MacKinnon Law Group, P.A.
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Tampa, FL
Toll Free: 800-990-9924
Local: 813-751-0293
Asbury Park, NJ
Toll Free: 877-651-8766
Local: 732-898-3500
Tampa, FL: 800-990-9924
Asbury Park, NJ: 877-651-8766

Florida Flood Insurance and Hurricane Disaster Resources

The following links and resources are provided by the attorneys at MacKinnon Law Group in Tampa for the benefit of Florida individuals seeking information on property and casualty insurance and how to guard against floods, hurricanes and other disasters. For more information regarding Florida insurance and commercial property claims, or if you need help getting a claim covered and paid, contact MacKinnon Law Group for a free consultation with a qualified and experienced lawyer.

Florida Office of Insurance Regulation – This office is responsible for the regulation of the Florida insurance industry, including ensuring and enforcing compliance with Florida insurance law and regulations. Regulated entities include life and health, property and casualty, specialty lines and others. The Office monitors the statewide industry markets and also keeps tabs on individual company solvency and market conduct performance.

A.M. Best – A.M. Best is a credit rating agency that focuses on the insurance industry. Search for an insurer based on their name or the line of insurance you are interested in to learn about the carrier’s financial strength, which reflects their ability to meet their obligations to their insureds. A.M. Best ratings are easy to understand at a glance and range from A++ (Superior) to D (Poor). Companies rated E, F or S are either under regulatory supervision, in liquidation or have had their rating suspended. Any rating of B+ or above is considered secure, meaning the company has at least a good ability to meet its ongoing insurance obligations. Companies rated B or below are considered vulnerable and should probably be avoided.

West Florida Better Business Bureau (BBB) – Read business reviews about a particular insurance agency, or file a complaint about the carrier’s products or services, advertising, or privacy policies or practices.

FloodSmart.gov – The official site of the National Flood Insurance Program (NFIP). If you don’t have flood insurance through the NFIP, then you don’t have flood insurance. Visit the NFIP website to evaluate your flood risk and see whether you should purchase residential or commercial coverage. If you are a policyholder, find information about your policy, including filing a claim, as well as tips on flood preparation and recovery. You can also find a flood insurance agent in your area through the website.

National Association of Insurance Commissioners (NAIC) – This organization is governed by the chief state insurance regulators from across the country. Visit the Newsroom and click on the Consumer Alerts tab to learn important information about auto, health, home and life insurance. Some Consumer Alerts that may interest you in particular include: Disaster Preparedness, Flood Insurance Information, Hurricanes, Five Reminders about Your Insurance Coverage, Managing the Claims Process, and Basic Homeowners Insurance Does Not Cover Floods.

At the NAIC Insure U website, you can find helpful information on disaster preparedness and download a Home Inventory Checklist. You can even follow these links to download the checklist as a Smartphone app for iPhone or Android.

Visit the website for the American Red Cross to access a wealth of emergency tools and resources for disaster preparedness, including safety checklists for hurricanes and floods.

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