Florida Insurance Reality Check — Chad Pravlik, Selling Pinellas 2 Pasco

Question 1 of 5

Your report is ready to build

Where should we send your Reality Check?

Your personalized report appears right here on the next screen — and we'll have your answers on file so Chad can follow up with anything relevant to your situation.

First Name * Please enter your first name.

Last Name * Please enter your last name.

Email * Please enter a valid email address.

Phone * Please enter a valid phone number.

Please complete every field and check the consent box so we can send your report.

Your personalized report

Your Florida Insurance Reality Check

1 · What's driving your number

These are the factors Florida carriers weigh most heavily for a home like yours — and where your answers put you on each one.

2 · Inspections that matter

The 4-point inspection

A licensed inspector reviews the four systems insurers care about: roof, electrical, plumbing, and HVAC. Many Florida carriers require one before they'll write or renew a policy on an older home. It's not a full home inspection — it's the insurer's snapshot of risk. If a system is at end-of-life, expect the carrier to ask for repair or replacement before binding. Good news: a clean 4-point is often the key that unlocks more carrier options, and more options usually means better pricing.

The wind mitigation inspection

A licensed inspector documents how your home is built to resist wind — roof shape, how the roof attaches to the walls, how openings are protected, and more. Florida law requires carriers to offer discounts for verified wind-resistant features, so this one report can pay for itself many times over. If you've never had one, or yours is years old, it's usually the highest-value inspection a Florida homeowner can order.

3 · Credits you might be missing

Wind-mitigation credits reward how a home is built. If your home has any of these and they've never been documented by an inspection, you may be paying more than you should:

Roof shape — a hip roof (sloping on all sides) typically earns more credit than a gable roof, because wind flows over it instead of catching it.
Roof-to-wall connections — metal clips or hurricane straps tying the roof structure to the walls are one of the most valuable credits on the form.
Opening protection — impact windows and doors, or rated shutters for every opening, can unlock meaningful discounts.
Secondary water resistance — a sealed roof deck or peel-and-stick underlayment that keeps rain out even if shingles are lost in a storm.
Roof covering & deck attachment — a newer, code-compliant roof covering and stronger deck nailing patterns both count in your favor.

None of these can be claimed from memory — a carrier only honors what a wind mitigation inspection documents. That's exactly why the inspection matters.

5 · Questions worth asking any insurer

What is my hurricane deductible — and is it a percentage of the home's insured value rather than a flat dollar amount?
Is flood covered? (Standard homeowner's policies almost never include flood — it is a separate policy, and there is usually a waiting period before it takes effect.)
Which wind-mitigation credits is this quote already giving me — and which ones am I missing?
What inspections do you need from me, and by when, to keep this policy in force?
Is my roof scheduled (depreciated) or covered at replacement cost as it ages?
What happens to my premium if I replace the roof, add opening protection, or make other upgrades?
Are there discounts for a monitored alarm, water-leak sensors, or bundling with auto?

Want a second set of eyes before you commit?

If you're looking at a home and wondering what it will really cost to insure — or you're staring at a renewal or a non-renewal letter that doesn't add up — send it my way. Send me an address you're considering or a policy you're questioning, and I'll give you straight answers about what to check, what to ask, and what it means for your deal. No pressure, no sales pitch — just a clear read before you commit.

Call (724) 448-8631 Text me Email me More about me

— Chad Pravlik, Realtor® | Selling Pinellas 2 Pasco