August Insurance Review Checklist for Florida Households and Business Owners
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Peak hurricane season is the wrong time to discover a gap. Use this checklist before September to confirm your coverage still matches your life.
Household Review
Fifteen minutes now prevents the conversation nobody wants to have with an adjuster.
- Confirm Coverage A matches current rebuild cost
- Verify roof settlement is replacement cost if eligible
- Check hurricane deductible in dollars, not percent
- Confirm auto bodily injury is above state minimum
- Match uninsured motorist to bodily injury limits
- Add or verify flood coverage and the 30-day waiting period
Business Review
Commercial exposures change faster than personal ones, especially payroll and equipment.
- Update building and business personal property values
- Confirm business income limit and restoration period
- Verify workers' comp class codes and subcontractor certificates
- Check additional insured endorsements against contracts
- Review cyber and hired/non-owned auto
Documentation That Speeds Claims
Photograph every room and the roof, store receipts for major purchases, and keep a copy of your declarations page off-site or in the cloud.
Frequently Asked Questions
How long does an annual insurance review take?
Most reviews take 20 to 30 minutes by phone, and we can pull most information from your existing declarations pages.
Can SunGate review policies written elsewhere?
Yes. Send the declarations pages and we will return a written coverage comparison at no cost.
Talk to a Licensed Florida Agent
SunGate Insurance Agency is a locally owned and operated independent agency in Lake Mary, Florida, serving clients across the state. Send us your current declarations page or a competing proposal and we will show you exactly what changed — in writing. Call 407.878.7979 or start with our quote calculator.
Questions about your coverage?
Our licensed agents compare carriers to find the right protection at the right price.