Download: Project 3.mp4 (2.39 MB)

Project 3.mp4

Frequently Asked
Questions

Is UpFiles free?

Yes! UpFiles is totally free. By only signin up, you get 25 GB for free, which you can use to share files, and earn money at the same time!

No! As long as you adhere to our policies, you can upload and share any files without any limits whatsoever!

Absolutely. if you need extra storage, we offer huge amounts of storage for a cheap price, so you can store your files, and share them whenever you want to make money! (You can also use your earnings to upgrade your storage)

  1. 1. Open an account for free and get 25 GB of free storage
  2. 2. Upload your files. You can also group them into folders, so they are easier to manage.
  3. 3. Share them with others to make money. Our Payout Rates are the highest!
Best Homeowners Insurance In Florida – Forbes Advisor Best Homeowners Insurance In Florida – Forbes Advisor
Homeowners insurance covers damage to property caused by things like fires or theft. There are many different types of homeowner insurance policies. For example, some cover your house, whereas others include other structures such as sheds and garages. Your home insurance policy will depend on where you reside, how old your home is, and what building material it uses.
Florida opens Disaster Recovery Centers
The state of Florida opened two Disaster Recovery Centers on Friday. These centers are designed to help people affected by Hurricane Michael recover from the storm.

There are two Disaster Recovery Centers in Florida. One is in Tallahassee, and the other is in Panama City Beach. People can go there to register for assistance. They must bring proof of identity and insurance policy documents.

Bringing photos of damages is important because it helps FEMA determine how much money you deserve.
Cheap Florida Homeowners Insurance Cost Comparison

The average cost of homeowners insurance in Florida is $1,200 per year. But it doesn't have to be that way. There are ways you can save money on your policy without sacrificing coverage. Here are some tips to help you find cheap Florida homeowners insurance.

Ask about discounts on your homeowner’s insurance. You might qualify for a discount based on age, location, number of claims filed, etc. If you don’t know what qualifies, ask your agent.

Set up automatic payments from your Credit Card or Bank Account. Many companies offer discounted rates for customers who set up automatic monthly payments. This allows you to pay less each month while still maintaining full coverage.

Receive Your Statement Electronically. Some companies allow you to receive your statements online. This saves paper and postage costs. Plus, there is no longer a need to wait for a physical bill to arrive in the mail.
Latest Florida Homeowners Insurance Developments

Homeowners' insurance rates will likely go down because of the recent hurricanes. But it could take months before we know exactly how much lower they will be.

Insurance companies are still trying to figure that out. They've been working overtime since Hurricane Irma hit Florida.

The state's new law requires insurance companies to pay out homeowners' claims within 30 days of getting them. This is called "no-fault."

There are five insurers left in the state. All of them went bankrupt during the 2008 financial crisis.

Florida Insurance Guaranty Association is now handling those companies' claims.
Past Florida Home Insurance Developments
Florida's state-run insurer, Citizens Property Insurance Corp., has seen its numbers soar since Hurricane Irma hit the state in September 2017. Citizens' policyholders now make up nearly half of all homeowners insured in the state. But it wasn't always like this.

In 2013, Citizens Property Insurance Corp. had under 20,000 policies insuring properties in Florida. By 2016, that number grew to almost 30,000. Then came Hurricane Irma.

The storm caused $50 billion worth of damage across the state, including $5.6 billion in losses to Citizens Property Insurance Corp. alone.

Citizens Property Insurance Corp. is required by law to pay claims out of its reserves. So, the insurer began paying out claims faster than expected.

But the problem isn't necessarily the amount of money being paid out; it's how quickly those payments come in.

According to the Tampa Bay Times, Citizens Property Insurance Corp.'s reserve funds fell to less than $1 billion in early 2018. This meant that Citizens Property Insurance Corp. couldn't cover future claims.

And that's where things got interesting.
What to do if Your Florida Homeowners Insurance Company Goes Out of Business

Florida homeowners insurance companies must provide coverage for certain types of damage. If you find yourself without home insurance, it’s important to know what steps to take next.

If your insurer goes out of business, you could lose everything. You might even be able to keep some of your belongings if you file a claim within 60 days of your policy expiring. But there are limits to how much money you can receive under those circumstances.

FIGA will pay claims up tp $300,000. This includes covered damages such as water damage, fire damage, theft, vandalism, windstorm, earthquake, hail, snow, ice, smoke, falling objects, lightning, aircraft, riot and civil commotion, collapse of building, explosion, sinkhole, landslide, volcanic eruption, nuclear radiation, toxic mold, toxic substance, flood, tornado, hurricane, tropical storm, winter storm, wildfire, mudslide, sinkhole, drought, famine, war, terrorism, terrorist attack, nuclear accident, nuclear contamination, nuclear meltdown, nuclear power plant incident, nuclear war, nuclear explosion, nuclear test, nuclear testing, nuclear waste spill, nuclear weapon, nuclear device, nuclear detonation, nuclear fallout, nuclear weapons facility, nuclear reactor malfunction, nuclear reprocessing facility, nuclear fuel processing facility, nuclear fuel fabrication facility, nuclear research facility, nuclear power station, nuclear decommissioning facility, radioactive
How to file a homeowners insurance with the Florida Insurance Guaranty Association
If you are a homeowner in Florida, chances are good that you have been paying premiums to your insurer for many years. However, if your home suffers damage due to a covered loss, it could mean financial ruin. Fortunately, there is something you can do about this problem. You can join the Florida Insurance Guaranty Fund Association (FIGA), which protects against losses caused by insurers that become insolvent.

FIGA was established in 1990 to protect policyholders whose insurers go out of business. Assessments paid by participating insurers fund this fund. FIGA does not make payments directly to claimants; rather, it pays claims up to $250,000 per claimant. FIGA members include most major property/casualty insurers licensed to operate in Florida.
Florida Homes at Risk of Wildfires

Nearly four out of every 10 homes across Florida could face wildfire risk this year. This is according to a report published by insurance provider Allstate. In addition, drought conditions, higher temperatures, lower humidity, and increased fuel loads increase fire risks in the Sunshine State.

The report found that nearly half of Florida residents live within 5 miles of areas with a high potential for wildfires. More than one million people live in those areas.

Firefighters will be busy battling wildfires throughout the state this summer. There are already over 2,500 active wildfires burning across the state.