Nelson’s Insurance Services explains the raising of rates and non-renewals of home insurance


Florida is experiencing an exodus, but it’s not from residents relocating; rather, it’s an exodus of home insurance companies. While this would be concerning in any state, it is particularly worrisome in Florida ahead of the Atlantic hurricane season, which started on June 1.

Nelson’s Insurance Services wants to help homeowners gain a better understanding of why the Florida home insurance crisis is happening and what you can do to prepare for the possibility of receiving a cancellation or nonrenewal notice on your homeowner’s insurance policy.

Florida has always presented a risky market to home insurance companies due to the high threat of widespread weather-related damage, but the current predicament is caused by several factors that are complex and unique.

Risk will always be a consideration for home insurance companies in Florida. The state’s shape and geographic location mean that it could get hit from either side by a hurricane. Because the peninsula is so thin, even homes in the interior counties aren’t entirely protected.

To make matters worse, this year, NOAA predicts an above-normal 2022 Atlantic hurricane season. If any storm hits Florida, which is likely, considering that Florida has been hit by more hurricanes than any other state, it could push the struggling home insurance market into a downfall due to increased home repair expenses, and unfortunately, the potential of fraudulent roof and home repair claims.

How can you lessen your risk of nonrenewal? If you live in Florida, having a plan could help you lessen your risk of receiving an insurance nonrenewal. There’s nothing you can do to prevent your company from pulling out of the state, but there are steps you can take to make your home as insurable as possible:

Keep your roof updated and in good shape: Inspect your roof regularly and repair minor damage as it happens.

Install wind mitigation features: State law requires Florida home insurance companies to offer discounts for certain wind protection features, such as hurricane straps and other roof-bracing measures. These features lessen the risk of severe damage to your home, thus making your property more attractive to insurers.

Maintain your property: Generally, maintaining your property will make finding insurance coverage easier. Along with checking your roof, also regularly check the rest of the exterior features of your home for damage. You should also make sure no large tree branches or other potential hazards overhang your home, as these could put you at risk of roof damage in a windstorm.

The professionals at Nelson’s Insurance Services can help make sure you are adequately covered. They have the experience and knowledge to assist you with all your insurance needs. Those years of experience and familiarity with different insurance carriers ensure they’ll find you the best coverage to protect you, your family, and your investments. They offer homeowners and rental insurance, along with personal auto, on and off-road vehicles, and watercraft.

As independent insurance agents, Nelson’s Insurance Services works with a variety of commercial insurance companies to find the coverage that fits your specific type and size of business, while staying within your budget. They can also provide employee benefits, such as group health plans and benefits.

So, even though there’s no way to predict what the future will look like, you’ll know you’re protected. Bryan and Debbie Nelson founded Nelson’s Insurance Services in 1997 to offer the best insurance services to their community and beyond.  Feel free to visit Nelson’s Insurance Services at their office located at 10 N Park Avenue.  You may contact them at or call them at 407-886-7553 for a free, no obligation quote for all your insurance needs.