Florida cost & hiring guides

Straight answers on what work really costs in Florida — no fluff.

Wind Mitigation Inspection in Florida: What It Is & Why Insurers Want One

What a Florida wind mitigation inspection checks, the insurance discounts it can unlock under state law, what it costs, and the new 2026 OIR-B1-1802 form.

Repair or Replace Your AC? How to Decide in Florida (2026)

When to repair vs replace your air conditioner in Florida — the signs it is time for a new system, what the 2026 refrigerant change means, and how to get an honest assessment.

AC Installation Cost in Florida (2026 Guide)

What a new AC system really costs in Florida in 2026, what drives the price, and how to avoid overpaying.

Roof Replacement Cost in Florida (2026 Guide)

Florida roof replacement costs by material in 2026, what affects the price, and how to spot storm-chasing scams.

4-Point Inspection Cost in Florida (2026 Guide)

What a 4-point inspection is, why Florida insurers require it, and what it costs in 2026.

How to Find a Trusted Contractor in Florida

A homeowner’s checklist for hiring licensed, insured contractors in Florida and avoiding common scams.

Florida Home Insurance in 2026: What Changed & What It Means for You

A plain-English guide to Florida's 2026 home insurance market — the reforms, the Citizens rate cut, and the roof, inspection, deductible and flood decisions that set what you pay.

My Safe Florida Home 2026: Free Wind Inspection & Up to $10,000 in Grants

How the My Safe Florida Home program works in 2026 — the free wind mitigation inspection, the 2-for-1 matching grant up to $10,000, who qualifies, and how to apply.

Florida Roof Age & Home Insurance Rules (2026)

How roof age affects Florida home insurance in 2026 — the 15-year rule, your right to a remaining-useful-life inspection, and the ages that trigger non-renewal.

Florida's 25% Roof Rule in 2026: Repair vs Replace

How Florida's 25% roof replacement rule works in 2026 after SB 4-D, the 2007 building-code exception, and when you can legally repair instead of replacing the whole roof.

How to Pass a 4-Point Inspection in Florida (What Fails One)

What fails a Florida 4-point inspection — problem electrical panels, polybutylene plumbing, old roofs — and how to fix the red flags before your insurer sees them.

Citizens Property Insurance 2026: Who Qualifies & How It's Changing

Citizens Insurance eligibility in 2026 — the 20% rule, depopulation takeout offers, the rate decrease, and how to move back to the private market.

Florida's Hurricane Deductible Explained (2026)

How Florida hurricane deductibles work in 2026 — why they are a percentage (2%, 5%, 10%) of your insured value, applied per season, and when they kick in.

Assignment of Benefits in Florida: What Changed & How to Handle a Claim (2026)

Why Florida banned Assignment of Benefits (AOB) in 2022, what it means for your roof or water-damage claim now, and how to manage a property claim in 2026.

Florida Flood Insurance in 2026: What You Need & What Your Policy Won't Cover

Why Florida homeowners insurance never covers flood, who is required to carry flood insurance, FEMA flood zones, and NFIP vs private options in 2026.

Dropped by Your Insurer? Florida Non-Renewal Guide (2026)

What to do if your Florida home insurer non-renews you in 2026 — why it happens, the fixes that get you re-insured, and how to shop the recovering market.