Florida Insurance Calculators

Florida Citizens Glide Path Rate Cap Calculator

Check whether your Citizens Property Insurance renewal complies with the F.S. § 627.351(6)(a)(6) annual rate-increase cap — the 'glide path' that steps the statutory ceiling from 10% in 2022 to 15% in 2027 and beyond. The cap applies to homestead primary residences only; under 2022 SB 2A, non-homestead vacation homes and rentals are priced at actuarially-sound rates with no annual ceiling. This calculator compares your prior-year and proposed renewal premiums against the year-specific cap, computes the maximum allowed renewal, and reports any overage Citizens cannot collect.

Florida Wind Mitigation Insurance Credit Calculator

Compute the Florida wind-mitigation insurance credit you qualify for under F.S. § 627.0629. The discount applies to the windstorm portion of your premium and is based on construction features documented on Florida OIR Form OIR-B1-1802. Stacked discounts can approach 60% of windstorm premium on the best-rated homes.

Florida Hurricane Deductible Calculator

Quantify your Florida hurricane deductible in dollar terms — and the trade-off between higher deductible and lower windstorm premium. Florida law (F.S. § 627.0625) requires a separate hurricane deductible computed as a percentage of dwelling Coverage A, not the loss amount. For a $400K dwelling at a 5% deductible, the per-event out-of-pocket is $20,000 before the carrier pays anything. This calculator compares the 2% statutory minimum, 5%, 10%, and flat-$2,500 options on dollar-deductible, net claim payment, and annualized premium.

Florida Hurricane Shutter & Impact Glazing ROI Calculator

Quantify the payback period and lifetime ROI of installing hurricane-rated opening protection on a Florida property. Florida's wind-mitigation discount under F.S. § 627.0629 grants a substantial premium reduction for impact-rated glazing or TAS-tested hurricane shutters. This calculator computes install cost, annual windstorm-premium savings, simple payback, 5/10/20-year cumulative ROI, and NPV at a user-entered discount rate — and compares storm panels (cheapest) vs accordion shutters (mid) vs roll-down shutters vs impact glazing (premium) head-to-head.

Florida HO-6 Loss-Assessment Coverage Sizing Calculator

Florida condo unit owners learned the hard way after Hurricane Ian: an HO-6 policy with $10,000 of loss-assessment coverage is not enough when the master policy's hurricane deductible is a 5% slice of a $50M building. F.S. § 718.111(11)(d) makes that deductible a common expense, allocated by share percentage; this calculator sizes the HO-6 loss-assessment limit you should carry to absorb both your hurricane-deductible share and a buffer for non-hurricane special assessments. Output: a target HO-6 loss-assessment limit and the gap if you're currently underinsured.

Florida Replacement Cost Value (RCV) Calculator

Size the Coverage A (dwelling) limit on your Florida homeowner's policy. RCV is the cost to rebuild the dwelling structure at current Florida material and labor prices — not the land, and not the market value. Florida-specific because coastal construction costs run 30%-50% higher than national averages post-2022, because the Florida HO-3 standard policy carries an 80% coinsurance clause that prorates partial-loss payouts on underinsured policies, and because the hurricane deductible is a percentage of Coverage A. This calculator estimates RCV from square footage, construction class, region, and features, flags underinsurance against the 80% coinsurance threshold, and quantifies the coinsurance penalty on a hypothetical partial loss.

Florida 4-Point Inspection Cost & Eligibility Calculator

Estimate whether your Florida home needs a 4-point inspection, what it will cost (typical range $75-$175 statewide), and how each major component — roof, electrical, plumbing, HVAC — is likely to be graded by your carrier. Carrier-class age thresholds (30+ years for Citizens and strict admitted-market carriers; 40+ for most other admitted carriers; 25+ for surplus lines) determine when the inspection is required. Component-life rules drive a Pass / Conditional / Decline verdict — FPE/Zinsco/Challenger panels and polybutylene plumbing are automatic declines across the Florida market.

Florida Flood Insurance Premium Estimator (NFIP Risk Rating 2.0)

Estimate your Florida flood insurance premium under FEMA's Risk Rating 2.0 methodology (effective October 2021). The new pricing reflects property-specific flood risk — distance to water, first-floor elevation, foundation type, replacement cost, and prior claims — rather than the blunt zone-based legacy rates. This planning estimator produces a low / typical / high range, breaks the premium into structure / contents / fees / surcharges, models the 18% statutory glidepath cap under 42 U.S.C. § 4015(e), and surfaces the savings potential of filing an Elevation Certificate. Anchored to 42 U.S.C. § 4001, FEMA Risk Rating 2.0, F.S. § 627.715, and the FEMA Flood Insurance Manual.

Florida Citizens vs Private Market Insurance Premium Estimator

Compare your likely Citizens Property Insurance premium against the typical Florida admitted private-market premium for the same property — and find out which way the 20% rule resolves. Citizens, the state-backed insurer of last resort, is statutorily constrained to be at most 20% below any available admitted private-market quote (F.S. § 627.351(6)(a)5) and is capped at +10% per year for existing policyholders (F.S. § 627.351(6)(n)6). This calculator models the Citizens premium, the typical private-market premium, the 20% eligibility threshold, the year-2 capped Citizens premium, and the 5-year and 10-year cumulative cost difference under the post-2022 Florida property-insurance market. Anchored to F.S. § 627.351(6), OIR Rule 69O-137, and Florida OIR Annual Citizens Reports 2024-2026.

Florida Auto Insurance Coverage Calculator (PIP, PD, BI, UM/UIM)

Estimate a Florida private-passenger auto insurance premium across the statutorily-mandated PIP and PD coverages and the practically-required BI and UM/UIM coverages. Florida is a no-fault state under F.S. § 627.736 — the statutory floor is PIP $10,000 + PD $10,000, and Bodily Injury Liability is not required by state mandate (Florida is one of only two states without a BI minimum as of 2026, after Governor's veto of the 2024 HB 1573 no-fault repeal). The calculator models the statutory-minimum premium, the agent-recommended 100/300 BI premium, stacked UM (default unless rejected in writing under F.S. § 627.727), full coverage with collision and comprehensive, the compliance verdict, and the F.S. § 627.737 tort-threshold note that governs when a Florida driver can sue.

Florida Sinkhole Coverage Calculator

Decide whether to carry optional sinkhole loss coverage on your Florida homeowner's policy — or rely only on the statutorily-mandatory catastrophic ground cover collapse coverage. Florida law (F.S. § 627.706) bundles a narrow catastrophic-collapse trigger into every residential policy (~$30-$80/year, four-element trigger including a government condemnation order) and offers optional sinkhole loss coverage on top ($300-$1,500/year typical) covering structural damage without the four catastrophic-collapse elements. This calculator estimates premium for both options, quantifies the savings from rejecting (Form CFO-PI-2017), flags the F.S. § 627.707 geological-inspection hurdle to re-add coverage later, and frames the per-event exposure against the typical $50K-$300K settled-claim range. Sinkhole Alley (Hernando, Pasco, Hillsborough, Polk) is the highest-risk band; the rejection-vs-coverage trade-off plays out very differently there than in the Panhandle.

Florida Reroof Wind-Mitigation ROI Calculator

Quantify the insurance-side ROI of bolting wind-mitigation upgrades onto a Florida residential reroof. A reroof is a once-in-20-30-year opportunity to upgrade three of the five wind-mit credit categories under F.S. § 627.0629 — roof deck attachment, roof-to-wall attachment, and secondary water resistance — at substantially reduced incremental cost. This calculator computes the baseline reroof cost, the incremental cost of each wind-mit upgrade, the resulting annual windstorm-premium savings, simple payback on the upgrade alone, 10/20/30-year cumulative ROI, and NPV at a user-entered discount rate. The reroof itself is treated as a sunk dollar — the ROI math is on the upgrade decision, not the reroof decision.

Florida Hurricane Catastrophe Fund Reimbursement Calculator

Compute the Florida Hurricane Catastrophe Fund (FHCF) per-event reimbursement, aggregate season reimbursement, insurer net retained loss, and the FHCF's downstream contribution to the consumer windstorm premium under F.S. § 215.555. The FHCF is the state-mandated reinsurance pool that every admitted Florida residential property insurer (and Citizens) is statutorily required to participate in — its three-layer reimbursement structure (90% / 75% / 45%) above each insurer's per-event retention is the single largest reason Florida residential premiums are not even higher than they already are. Anchored to F.S. § 215.555, F.S. § 215.555(4)(b) retention math, F.S. § 215.555(4)(c) program-capacity cap, and SBA FHCF Annual Reports 2024-2026.

Florida Personal Umbrella Insurance Calculator

Size a Florida personal umbrella policy and estimate its annual premium. A personal umbrella sits above the auto Bodily Injury Liability limit and the homeowner's personal liability limit and pays third-party liability claims after the underlying limits are exhausted. Florida households face elevated liability exposure under the F.S. § 627.737 tort-threshold framework, the F.S. § 627.727 UM offering rule, and the well-documented gap in Florida Constitution Art. X § 4 homestead protection that does not shield the homestead from a personal-injury tort judgment. The calculator computes the rule-of-thumb recommended limit (net worth + 10 years of gross income), estimates the annual premium by tier ($1M / $2M / $5M / $10M) with Florida-specific risk loads for boat owners, pool owners, young drivers, and prior at-fault claims, and reads two structural verdicts — whether underlying limits meet typical carrier requirements, and whether the umbrella is large enough to protect current and future assets.

Florida Boat Insurance Calculator

Estimate an annual Florida boat insurance premium from hull value, vessel length, use type, storage type, and hurricane zone — then compare against the typical Florida market range. Florida is the highest-density recreational-boating state, with roughly 1,000,000 registered vessels; boat insurance is not state-mandated under F.S. § 327, but USCG-documented vessels (46 CFR Part 67), marina dock contracts, and lender mortgages almost universally require liability and hull coverage. Hull rates band by Florida hurricane zone (Tier 1 coastal SE, Tier 2 GoM, Tier 3 NE Florida, Inland) and storage type (in-water, lift, dry-storage, trailered). A documented hurricane haul-out plan filed with the carrier yields a 5%-15% premium reduction on the hull portion.

Florida Workers Compensation Calculator

Determine whether a Florida business is required to carry workers' compensation insurance under F.S. Chapter 440 and estimate the annual premium. Florida's coverage triggers are the toughest in the country for construction-industry employers — a single non-exempt employee triggers F.S. § 440.10 from day one — and moderate for non-construction employers at 4+ employees. The calculator reads the coverage-trigger verdict against F.S. § 440.02(15) and § 440.02(17), prices the NCCI Florida class-code manual premium against payroll, applies the experience modifier with the new-employer 1.00 floor under NCCI rule, layers the combined ~3% Florida assessment / surcharge stack, and surfaces the F.S. § 440.107 non-compliance penalty (two times premium over the preceding two years, or $1,000, whichever is greater) for every required-but-uncovered risk.

Florida Roof Age Insurance Eligibility Calculator

Test whether a Florida home's roof is insurable at all, and on what terms, given roof age and material. The post-Ian Florida market hard-declines most asphalt-shingle roofs at 25 years, switches roof-loss settlement from Replacement Cost to Actual Cash Value at 15 years (SB 4-D 2022), and permits a separate 2% roof deductible at 10 years (HB 1183 2022). This calculator produces a carrier-by-carrier eligibility verdict (Admitted-strict / Admitted-standard / Citizens wraparound / Surplus-lines), the expected RCV vs ACV settlement type, a reroof-timing recommendation (now vs next renewal vs wait until storm), and a dollar comparison of the typical $15K-$30K reroof against the modeled annual premium surcharge for keeping the aging roof.

Florida Auto Diminished Value Claim Calculator

Estimate a Florida third-party auto diminished value claim using the industry-standard 17c formula. Florida recognizes the loss in a repaired vehicle's market value as a property-damage tort claim against the at-fault driver's third-party carrier (NOT against the claimant's own PIP / no-fault policy). The four-year statute of limitations under F.S. § 95.11(3)(a) governs filing; F.S. § 627.7407 frames the third-party claim mechanism; F.S. § 627.736(10) preserves the DV claim from the no-fault regime. The 17c formula multiplies a 10% base-loss-of-market-value figure by a damage-severity multiplier (none / minor / moderate / major / severe) and a mileage-band multiplier (six bands from under-20K to over-100K miles). The calculator surfaces the 17c estimate, the formula breakdown, the SOL status, a comparison to typical Florida settled-claim ranges, and a stage-aware recommendation (demand-letter timing, negotiation guidance, or attorney-escalation cue).

Florida Notary Bond & E&O Cost Calculator

Estimate the full cost to become or renew a Florida notary public under F.S. Chapter 117 — the mandatory $7,500 surety bond required by F.S. § 117.01(7), the Department of State filing fee and any county surcharge, the seal and journal required by F.S. § 117.05, the optional Errors & Omissions insurance that protects the notary personally (the $7,500 bond protects the public, not the notary), and the optional Remote Online Notarization (RON) registration and platform subscription enabled by F.S. § 117.201-.305. The calculator surfaces total upfront cost, four-year cost across the F.S. § 117.01(2) commission term, an annual income projection against the F.S. § 117.05(2)(b) $10-per-signature statutory cap, and the RON setup ROI multiple for notaries weighing the platform-fee uplift.

Florida Equine Liability Insurance Calculator

Estimate the annual cost of a Florida equine liability stack for hobby owners, casual boarders, small commercial barns, and large commercial operations. Florida is a top-three equine state by registered horses and by commercial operations — the Marion County (Ocala) thoroughbred industry, the Wellington (Palm Beach) hunter-jumper and dressage industry, plus statewide boarding, lesson, and trail-ride operators. The Florida Equine Activity Liability Act (F.S. § 773) grants meaningful inherent-risk immunity under F.S. § 773.02, but four well-defined exceptions in F.S. § 773.04 (faulty tack, negligent matching, latent dangerous condition, willful conduct) and the F.S. § 773.05 signage and waiver requirement create exposure that commercial Equine General Liability ($1M-$5M occurrence), a Care, Custody, Control endorsement for boarder's horses, and Major Medical / Mortality coverage on the horses themselves are designed to backstop. The calculator decomposes the total premium and reads an F.S. § 773 immunity-gap severity verdict against the activity mix.

Florida Business Owners Policy (BOP) Calculator

Estimate the total annual Business Owner's Policy (BOP) premium for a small Florida business. A BOP packages commercial general liability, commercial property (building and / or contents), and business interruption (BI) into one small-commercial form — typically for businesses under 100 employees and under $5M in revenue. Florida-specific structure drives the math: the standard BOP form EXCLUDES windstorm and hail on commercial property in Tier 1 and Tier 2 coastal counties, so wind / hurricane must be added as an endorsement or written separately through Citizens Property Insurance Corporation's Commercial Lines Account or the surplus-lines market; Tier 1 coastal Florida BOP rates run 1.5×-2.0× the inland baseline on the property portion; Tier 1 small businesses commonly carry a 5% wind / hurricane deductible (with a $5,000-$25,000 flat-dollar floor); BI is typically written as a 72-hour-waiting-period, 12-month actual-loss-sustained form; and cyber liability is now widely offered as a $300-$1,500/yr bundled rider.

Florida Slip-and-Fall Negligence Claim Value Calculator

Estimate the settlement value of a Florida slip-and-fall premises-liability claim against a business establishment under F.S. § 768.0755 (the transitory foreign substance statute, 2010) and F.S. § 768.81 as amended by HB 837 (2023, modified comparative negligence with a 50% bar). Florida imposes the strictest slip-and-fall burden of proof in the country: the plaintiff must prove the business had actual or constructive knowledge of the dangerous condition AND failed to remedy it. Constructive knowledge is proved by showing the condition existed for such a length of time that the business should have discovered it in the exercise of ordinary care, OR by showing the condition occurred with such regularity it was foreseeable. HB 837 (2023) shifted Florida from pure comparative negligence to modified comparative negligence — a plaintiff found greater than 50% at fault recovers nothing. The calculator computes the gross claim value (special damages + medicals × 2-5x severity multiplier for general damages), applies the comparative-fault reduction, surfaces the HB 837 bar verdict, and reads the F.S. § 768.0755 notice-burden assessment against the Florida case-law working floor for length-of-time sufficiency.

Florida Real Estate Broker E&O Insurance Calculator

Estimate the total annual Errors & Omissions (E&O) insurance premium for a Florida real estate licensee or brokerage under F.S. Chapter 475. Florida does not statutorily mandate E&O — Chapter 475 is silent on the question — but virtually every active Florida brokerage requires E&O on every sales associate and broker associate as a condition of affiliation, and most national franchises (Re/Max, Keller Williams, Coldwell Banker, Berkshire Hathaway HomeServices, EXP) impose the requirement at the franchise level. The calculator compares the per-licensee individual-policy stack against a brokerage-wide policy, applies the Florida Realtors statewide group plan discount (typically 20%) for FAR members, models the post-Surfside (2021) coastal-Florida underwriting tightening at brokerage-tier mid-points, and surfaces the cheaper structure with a plain-English recommendation. Outputs the total annual premium, the per-licensee math, the brokerage-policy math, and the FAR group plan dollar savings.

Florida Insurance Agent E&O Calculator

Estimate the total annual Errors & Omissions (E&O) insurance premium for a Florida insurance licensee or agency under F.S. Chapter 626. Florida does not statutorily mandate E&O — Chapter 626 is silent — but virtually every major appointing carrier (State Farm, Allstate, Travelers, Progressive, Nationwide, Chubb, Hartford, Citizens, AIG) requires a minimum $1M per-claim / $3M aggregate E&O policy as a precondition of issuing or maintaining an agent appointment. The calculator prices a 2-20 General Lines (P&C), 6-20 General Lines (health), 2-15 life agent, or multi-class licensee, compares the per-agent individual-policy stack against an agency-wide policy, applies the PIA Florida / IIABA Florida statewide group plan discount (typically 15%), models the post-Ian (2022) and 2024-season coastal-Florida P&C underwriting tightening at a 1.4x coastal loading, and surfaces the cheaper structure with a plain-English recommendation.

Florida Personal Watercraft (Jet Ski) Insurance Calculator

Estimate an annual Florida personal-watercraft (PWC / jet ski / WaveRunner / Sea-Doo) insurance premium from hull value, model year, use type, operator age, prior accident history, F.S. § 327.395 boating safety course completion, liability limit, theft coverage, towing rider, and storage type. Florida has the highest density of registered PWCs in the United States and the highest PWC injury rate per the FWC Boating Accident Statistical Report, which is what shapes the standalone-PWC-policy market — typically $200-$700/yr depending on hull value, coverage, and storage. F.S. § 327 does NOT impose a state mandate for PWC liability insurance (parallel to the Florida boat-insurance posture), but lenders, marina dock contracts, and the typical homeowner's-policy PWC-exclusion drive most owners to a standalone policy. The F.S. § 327.395 boating safety course is a Florida statutory requirement for operators born on or after January 1, 1988 and is a meaningful underwriting discount across the Florida PWC market.

Florida Commercial Auto Insurance Calculator

Estimate a Florida commercial auto insurance annual premium across the GVW classes, the use-type class codes, the BI per-accident limits, the hazmat loading under F.S. § 320.0822, the Florida coastal-tier loading, and the optional physical-damage adder. Florida commercial auto rate filings sit under F.S. § 627.0651 and are reviewed annually by Florida OIR. F.S. § 627.7415 permits the combined-single-limit option for commercial fleets. F.S. § 320.02 sets the commercial-vehicle financial-responsibility floor at BI $25,000 per person / $50,000 per accident plus PD $10,000. Interstate for-hire motor carriers must carry the federal MCS-90 endorsement under 49 C.F.R. § 387 with minimums ranging from $750,000 for general freight to $5,000,000 for certain hazmat classes — and the calculator surfaces the applicable MCS-90 floor for every heavy long-haul-trucking quote.

Florida Mini-COBRA Health Insurance Continuation Calculator

Estimate the monthly and 18-month cost of continuing employer-sponsored health coverage under F.S. § 627.6692 (Florida Mini-COBRA) and compare to the ACA marketplace and any available spousal employer plan. Florida Mini-COBRA extends continuation rights to employees of Florida employers with fewer than 20 employees — the gap below federal COBRA's 20-employee threshold under 29 U.S.C. § 1161 — at up to 102% of the full group premium (100% premium plus a 2% administrative fee) for up to 18 months. The 30-day election window under F.S. § 627.6692 is materially shorter than federal COBRA's 60-day window and is the most common source of accidental forfeiture, so the calculator surfaces the deadline prominently. The recommended-path output runs the three structural alternatives — Mini-COBRA, an ACA marketplace plan with any anticipated premium tax credit, and adding the household to a spouse's employer plan through the loss-of-coverage special enrollment period — and points at the lowest-priced viable path, with caveats about provider-network continuity, in-progress specialist relationships, and already-met deductible balances that often justify the higher Mini-COBRA premium when the prior plan is preferred.

Florida My Safe Florida Home (MSFH) Grant Calculator

Compute the total project funding available under Florida's My Safe Florida Home (MSFH) hurricane-mitigation grant program. The state matches every $1 of homeowner contribution with $2 of grant funding, up to a $10,000 state ceiling — so a homeowner who contributes $5,000 unlocks $15,000 in total project funding. The calculator runs the three-prong eligibility gate (owner-occupied homestead, insured value at or below $700,000, current MSFH inspection on file), reports the state-match and homeowner-share split, projects the annual windstorm-premium savings from the wind-mit credit captured by the upgrade, and computes the payback period on the homeowner's $5,000 contribution. Anchored to F.S. § 215.5586 and the current DBPR/DFS MSFH program rules.

Florida Public Adjuster Fee Calculator

Estimate the public adjuster fee, the net recovery to the homeowner, and the attorney-comparison net recovery on a Florida first-party insurance claim. Florida public adjusters represent policyholders in claim negotiations against their own carrier; their fees are capped by F.S. § 626.854 at 20% of the claim payment on standard claims, 10% of the claim payment for the first 12 months following a Governor's declaration of a state of emergency, and 20% on reopened / supplemental claims. F.S. § 626.8541 imposes written-contract and cancellation-right requirements. Post-Ian (2022) and the 2024 hurricane season drove substantial Florida public adjuster activity and recent legislation has tightened licensing. The calculator selects the correct statutory cap from the claim type, the emergency-declaration status, and the months elapsed since the declaration; computes the fee at the statutory cap and the resulting net recovery; and surfaces an attorney-comparison branch (33.33% default contingency, configurable) plus a non-prescriptive PA / attorney / DIY recommendation read.

Florida Insurance Policy Cancellation & Nonrenewal Calculator

Evaluate a Florida residential property insurance cancellation or nonrenewal under F.S. § 627.728, § 627.4133, and § 627.7283: notice-period compliance (10/45 days for cancellation under § 627.728(2); 120 days for nonrenewal under § 627.4133(2)(a)2), the F.S. § 627.728(3)(a) initial 90-day underwriting window, the § 627.4133(2)(d)(2) post-disaster moratorium that bars cancellation or nonrenewal of a hurricane- or wind-damaged dwelling during a governor-declared state of emergency, the statutory list of cancellation reasons under § 627.728(3)(b), and the pro-rata / short-rate return premium under F.S. § 627.7283. Reinforced by HB 119 (2022) and HB 837 (2023).

Florida Hurricane Deductible Buy-Back Rider Calculator

Quantify the annual cost and multi-year ROI of a Florida hurricane deductible buy-back rider — the optional endorsement that lowers a 10% or 5% percentage-of-Coverage-A hurricane deductible to a smaller percentage or to a flat $2,500 figure. F.S. § 627.0625 sets the deductible structure but does not regulate buy-back pricing; carriers price buy-backs competitively in Florida OIR rate filings, typically 5%-25% of windstorm premium depending on the depth of the buy-back. This calculator estimates the rider premium, the avoided per-event out-of-pocket, the probability-weighted ROI over the ownership horizon, and the separate liquidity case for households that cannot write the larger deductible check on demand.

Florida Workers Comp Washout Settlement Calculator

Estimate the lump-sum washout settlement value of a Florida workers' compensation claim under F.S. § 440.20(11), the most carrier-favorable settlement statute in the country. Florida § 440.20(11)(c) allows a represented claimant to close future indemnity, future medical, and reopener rights on a full-and-final basis in exchange for a lump-sum payment, with the Judge of Compensation Claims reviewing only the reasonableness of the attorney's fee — not the merits of the settlement. The calculator computes the claim's full value (past indemnity at 2/3 of AWW × weeks paid, future indemnity present-value at 2/3 of AWW × disability-rating × remaining weeks capped at the F.S. § 440.15(3)(c) 401-week permanent-partial maximum, and the carrier's future medical reserve), applies the typical 50-70% mediation-negotiation discount, runs the F.S. § 440.34 attorney's-fee sliding scale, and surfaces the federal SMART Act Medicare Set-Aside posture against the 30-month Medicare-eligibility lookback.

Florida Insurance Bad Faith Damages Calculator

Estimate the bad-faith damages exposure of a Florida insurance carrier under F.S. § 624.155 (statutory civil remedy against an insurer) and F.S. § 626.9541 (Unfair Insurance Trade Practices Act), including the parallel common-law third-party bad-faith doctrine (Boston Old Colony, Berges, Harvey) that makes a carrier liable for the full excess judgment when it rejects a within-limits settlement offer. Florida bad-faith practice is anchored to the mandatory 60-day Civil Remedy Notice (CRN) under F.S. § 624.155(3): the claimant files a CRN with the Florida Department of Financial Services, serves a copy on the insurer, and the insurer has 60 days to cure. HB 837 (2023) tightened the CRN particularity requirement and codified a mere-negligence safe harbor — mere negligence alone is insufficient to constitute bad faith. The calculator reads the CRN cure-window status, computes the excess-judgment exposure under the common-law theory, surfaces the statutory total-damages measure under F.S. § 624.155(8) (including attorney's fees and costs), and emits a recommendation (serve CRN, await cure, close file, file suit, or retain counsel on excess judgment).

Florida Auto UM Stacking Calculator

Compute stacked vs unstacked Florida Uninsured/Underinsured Motorist (UM/UIM) effective limits given vehicle count and per-vehicle UM limit, estimate the annual premium delta for electing stacking, and surface the F.S. § 627.727(2) auto-stacking trap that catches multi-vehicle Florida policies without a separate signed stacking-rejection form. Stacked UM under F.S. § 627.727(9) multiplies the per-vehicle UM limit by the number of vehicles on the policy — a 3-car household at 100/300 per vehicle has 300/900 of effective UM coverage. Typical Florida admitted-carrier uplift for stacking is 30 to 60 percent on the unstacked UM premium. If the named insured did not sign a written rejection of stacking, UM is automatically stacked by operation of law regardless of which rate tier was filed.

Florida Insurance Premium Financing Calculator

Compute the real cost of financing a Florida insurance premium through a licensed premium finance company (PFC) under the Florida Insurance Premium Finance Act, F.S. § 627.838-627.851. Florida-specific because coastal homeowners with $8K-$20K annual property insurance premiums under F.S. § 627.4133 increasingly cannot pay annually after the 2022-2025 carrier-retreat dynamic — the practical choices are pay annually, finance through a Florida-licensed PFC, or charge to a credit card. This calculator computes monthly payment, total finance charge, effective APR (including the flat monthly service charge allowed under F.S. § 627.840), the difference vs paying annually, and a comparison against the credit-card-pay-annually alternative. Flags an APR that exceeds the Florida-licensed-PFC practical ceiling so you can verify the lender is actually Florida-licensed and subject to F.S. § 627.840.

Florida Surplus Lines Tax Calculator

Compute Florida surplus-lines taxes and fees on any non-admitted (E&S) placement under F.S. § 626.913–626.937: the 5.00% Surplus Lines Premium Tax (F.S. § 626.932), the 0.06% FSLSO Service Fee (F.S. § 626.9325), and the $4 flat EMPA per-policy fee (F.S. § 252.372). Supports multi-state allocation under NRRA (2010) home-state rules, accounts for policy-level fees (policy fee, inspection fee, broker fee) in the taxable basis, and breaks out the effective rate as a percentage of premium so the insured can verify the surplus-lines agent's tax statement line-by-line.

Florida Citizens Glide Path Rate Cap Calculator

Check whether your Citizens Property Insurance renewal complies with the F.S. § 627.351(6)(a)(6) annual rate-increase cap — the 'glide path' that steps the statutory ceiling from 10% in 2022 to 15% in 2027 and beyond. The cap applies to homestead primary residences only; under 2022 SB 2A, non-homestead vacation homes and rentals are priced at actuarially-sound rates with no annual ceiling. This calculator compares your prior-year and proposed renewal premiums against the year-specific cap, computes the maximum allowed renewal, and reports any overage Citizens cannot collect.

Florida PIP Coverage Calculator

Estimate what Florida Personal Injury Protection (PIP) — the no-fault coverage required on every Florida-registered private-passenger auto under F.S. § 627.736 — actually pays on a specific accident. The calculator applies the $10,000 PIP limit, the EMC vs non-EMC medical bifurcation introduced by 2012 HB 119 (full $10,000 with an Emergency Medical Condition determination by a licensed provider; $2,500 sub-limit without), the 80% medical coinsurance (with 20% patient out-of-pocket), the 60% wage-loss benefit, the 80% replacement-services benefit per (1)(b), the F.S. § 627.739 optional $0 / $250 / $500 / $1,000 deductible, the separate $5,000 death benefit under (1)(c), and the F.S. § 627.736(1)(a) 14-day treatment-window forfeiture rule. Surfaces total PIP paid, per-benefit breakdown, patient out-of-pocket coinsurance, remaining PIP limit, exhaustion status, and the F.S. § 627.737 permanent-injury tort threshold that gates a third-party suit against the at-fault driver for pain and suffering.

Florida Wind Mitigation Insurance Credit Calculator

Compute the Florida wind-mitigation insurance credit you qualify for under F.S. § 627.0629. The discount applies to the windstorm portion of your premium and is based on construction features documented on Florida OIR Form OIR-B1-1802. Stacked discounts can approach 60% of windstorm premium on the best-rated homes.

Florida Hurricane Deductible Calculator

Quantify your Florida hurricane deductible in dollar terms — and the trade-off between higher deductible and lower windstorm premium. Florida law (F.S. § 627.0625) requires a separate hurricane deductible computed as a percentage of dwelling Coverage A, not the loss amount. For a $400K dwelling at a 5% deductible, the per-event out-of-pocket is $20,000 before the carrier pays anything. This calculator compares the 2% statutory minimum, 5%, 10%, and flat-$2,500 options on dollar-deductible, net claim payment, and annualized premium.

Florida Hurricane Shutter & Impact Glazing ROI Calculator

Quantify the payback period and lifetime ROI of installing hurricane-rated opening protection on a Florida property. Florida's wind-mitigation discount under F.S. § 627.0629 grants a substantial premium reduction for impact-rated glazing or TAS-tested hurricane shutters. This calculator computes install cost, annual windstorm-premium savings, simple payback, 5/10/20-year cumulative ROI, and NPV at a user-entered discount rate — and compares storm panels (cheapest) vs accordion shutters (mid) vs roll-down shutters vs impact glazing (premium) head-to-head.

Florida HO-6 Loss-Assessment Coverage Sizing Calculator

Florida condo unit owners learned the hard way after Hurricane Ian: an HO-6 policy with $10,000 of loss-assessment coverage is not enough when the master policy's hurricane deductible is a 5% slice of a $50M building. F.S. § 718.111(11)(d) makes that deductible a common expense, allocated by share percentage; this calculator sizes the HO-6 loss-assessment limit you should carry to absorb both your hurricane-deductible share and a buffer for non-hurricane special assessments. Output: a target HO-6 loss-assessment limit and the gap if you're currently underinsured.

Florida Replacement Cost Value (RCV) Calculator

Size the Coverage A (dwelling) limit on your Florida homeowner's policy. RCV is the cost to rebuild the dwelling structure at current Florida material and labor prices — not the land, and not the market value. Florida-specific because coastal construction costs run 30%-50% higher than national averages post-2022, because the Florida HO-3 standard policy carries an 80% coinsurance clause that prorates partial-loss payouts on underinsured policies, and because the hurricane deductible is a percentage of Coverage A. This calculator estimates RCV from square footage, construction class, region, and features, flags underinsurance against the 80% coinsurance threshold, and quantifies the coinsurance penalty on a hypothetical partial loss.

Florida 4-Point Inspection Cost & Eligibility Calculator

Estimate whether your Florida home needs a 4-point inspection, what it will cost (typical range $75-$175 statewide), and how each major component — roof, electrical, plumbing, HVAC — is likely to be graded by your carrier. Carrier-class age thresholds (30+ years for Citizens and strict admitted-market carriers; 40+ for most other admitted carriers; 25+ for surplus lines) determine when the inspection is required. Component-life rules drive a Pass / Conditional / Decline verdict — FPE/Zinsco/Challenger panels and polybutylene plumbing are automatic declines across the Florida market.

Florida Flood Insurance Premium Estimator (NFIP Risk Rating 2.0)

Estimate your Florida flood insurance premium under FEMA's Risk Rating 2.0 methodology (effective October 2021). The new pricing reflects property-specific flood risk — distance to water, first-floor elevation, foundation type, replacement cost, and prior claims — rather than the blunt zone-based legacy rates. This planning estimator produces a low / typical / high range, breaks the premium into structure / contents / fees / surcharges, models the 18% statutory glidepath cap under 42 U.S.C. § 4015(e), and surfaces the savings potential of filing an Elevation Certificate. Anchored to 42 U.S.C. § 4001, FEMA Risk Rating 2.0, F.S. § 627.715, and the FEMA Flood Insurance Manual.

Florida Citizens vs Private Market Insurance Premium Estimator

Compare your likely Citizens Property Insurance premium against the typical Florida admitted private-market premium for the same property — and find out which way the 20% rule resolves. Citizens, the state-backed insurer of last resort, is statutorily constrained to be at most 20% below any available admitted private-market quote (F.S. § 627.351(6)(a)5) and is capped at +10% per year for existing policyholders (F.S. § 627.351(6)(n)6). This calculator models the Citizens premium, the typical private-market premium, the 20% eligibility threshold, the year-2 capped Citizens premium, and the 5-year and 10-year cumulative cost difference under the post-2022 Florida property-insurance market. Anchored to F.S. § 627.351(6), OIR Rule 69O-137, and Florida OIR Annual Citizens Reports 2024-2026.

Florida Auto Insurance Coverage Calculator (PIP, PD, BI, UM/UIM)

Estimate a Florida private-passenger auto insurance premium across the statutorily-mandated PIP and PD coverages and the practically-required BI and UM/UIM coverages. Florida is a no-fault state under F.S. § 627.736 — the statutory floor is PIP $10,000 + PD $10,000, and Bodily Injury Liability is not required by state mandate (Florida is one of only two states without a BI minimum as of 2026, after Governor's veto of the 2024 HB 1573 no-fault repeal). The calculator models the statutory-minimum premium, the agent-recommended 100/300 BI premium, stacked UM (default unless rejected in writing under F.S. § 627.727), full coverage with collision and comprehensive, the compliance verdict, and the F.S. § 627.737 tort-threshold note that governs when a Florida driver can sue.

Florida Sinkhole Coverage Calculator

Decide whether to carry optional sinkhole loss coverage on your Florida homeowner's policy — or rely only on the statutorily-mandatory catastrophic ground cover collapse coverage. Florida law (F.S. § 627.706) bundles a narrow catastrophic-collapse trigger into every residential policy (~$30-$80/year, four-element trigger including a government condemnation order) and offers optional sinkhole loss coverage on top ($300-$1,500/year typical) covering structural damage without the four catastrophic-collapse elements. This calculator estimates premium for both options, quantifies the savings from rejecting (Form CFO-PI-2017), flags the F.S. § 627.707 geological-inspection hurdle to re-add coverage later, and frames the per-event exposure against the typical $50K-$300K settled-claim range. Sinkhole Alley (Hernando, Pasco, Hillsborough, Polk) is the highest-risk band; the rejection-vs-coverage trade-off plays out very differently there than in the Panhandle.

Florida Reroof Wind-Mitigation ROI Calculator

Quantify the insurance-side ROI of bolting wind-mitigation upgrades onto a Florida residential reroof. A reroof is a once-in-20-30-year opportunity to upgrade three of the five wind-mit credit categories under F.S. § 627.0629 — roof deck attachment, roof-to-wall attachment, and secondary water resistance — at substantially reduced incremental cost. This calculator computes the baseline reroof cost, the incremental cost of each wind-mit upgrade, the resulting annual windstorm-premium savings, simple payback on the upgrade alone, 10/20/30-year cumulative ROI, and NPV at a user-entered discount rate. The reroof itself is treated as a sunk dollar — the ROI math is on the upgrade decision, not the reroof decision.

Florida Hurricane Catastrophe Fund Reimbursement Calculator

Compute the Florida Hurricane Catastrophe Fund (FHCF) per-event reimbursement, aggregate season reimbursement, insurer net retained loss, and the FHCF's downstream contribution to the consumer windstorm premium under F.S. § 215.555. The FHCF is the state-mandated reinsurance pool that every admitted Florida residential property insurer (and Citizens) is statutorily required to participate in — its three-layer reimbursement structure (90% / 75% / 45%) above each insurer's per-event retention is the single largest reason Florida residential premiums are not even higher than they already are. Anchored to F.S. § 215.555, F.S. § 215.555(4)(b) retention math, F.S. § 215.555(4)(c) program-capacity cap, and SBA FHCF Annual Reports 2024-2026.

Florida Roof Age Insurance Eligibility Calculator

Test whether a Florida home's roof is insurable at all, and on what terms, given roof age and material. The post-Ian Florida market hard-declines most asphalt-shingle roofs at 25 years, switches roof-loss settlement from Replacement Cost to Actual Cash Value at 15 years (SB 4-D 2022), and permits a separate 2% roof deductible at 10 years (HB 1183 2022). This calculator produces a carrier-by-carrier eligibility verdict (Admitted-strict / Admitted-standard / Citizens wraparound / Surplus-lines), the expected RCV vs ACV settlement type, a reroof-timing recommendation (now vs next renewal vs wait until storm), and a dollar comparison of the typical $15K-$30K reroof against the modeled annual premium surcharge for keeping the aging roof.

Florida Slip-and-Fall Negligence Claim Value Calculator

Estimate the settlement value of a Florida slip-and-fall premises-liability claim against a business establishment under F.S. § 768.0755 (the transitory foreign substance statute, 2010) and F.S. § 768.81 as amended by HB 837 (2023, modified comparative negligence with a 50% bar). Florida imposes the strictest slip-and-fall burden of proof in the country: the plaintiff must prove the business had actual or constructive knowledge of the dangerous condition AND failed to remedy it. Constructive knowledge is proved by showing the condition existed for such a length of time that the business should have discovered it in the exercise of ordinary care, OR by showing the condition occurred with such regularity it was foreseeable. HB 837 (2023) shifted Florida from pure comparative negligence to modified comparative negligence — a plaintiff found greater than 50% at fault recovers nothing. The calculator computes the gross claim value (special damages + medicals × 2-5x severity multiplier for general damages), applies the comparative-fault reduction, surfaces the HB 837 bar verdict, and reads the F.S. § 768.0755 notice-burden assessment against the Florida case-law working floor for length-of-time sufficiency.

Florida Workers Comp Washout Settlement Calculator

Estimate the lump-sum washout settlement value of a Florida workers' compensation claim under F.S. § 440.20(11), the most carrier-favorable settlement statute in the country. Florida § 440.20(11)(c) allows a represented claimant to close future indemnity, future medical, and reopener rights on a full-and-final basis in exchange for a lump-sum payment, with the Judge of Compensation Claims reviewing only the reasonableness of the attorney's fee — not the merits of the settlement. The calculator computes the claim's full value (past indemnity at 2/3 of AWW × weeks paid, future indemnity present-value at 2/3 of AWW × disability-rating × remaining weeks capped at the F.S. § 440.15(3)(c) 401-week permanent-partial maximum, and the carrier's future medical reserve), applies the typical 50-70% mediation-negotiation discount, runs the F.S. § 440.34 attorney's-fee sliding scale, and surfaces the federal SMART Act Medicare Set-Aside posture against the 30-month Medicare-eligibility lookback.

Florida Insurance Bad Faith Damages Calculator

Estimate the bad-faith damages exposure of a Florida insurance carrier under F.S. § 624.155 (statutory civil remedy against an insurer) and F.S. § 626.9541 (Unfair Insurance Trade Practices Act), including the parallel common-law third-party bad-faith doctrine (Boston Old Colony, Berges, Harvey) that makes a carrier liable for the full excess judgment when it rejects a within-limits settlement offer. Florida bad-faith practice is anchored to the mandatory 60-day Civil Remedy Notice (CRN) under F.S. § 624.155(3): the claimant files a CRN with the Florida Department of Financial Services, serves a copy on the insurer, and the insurer has 60 days to cure. HB 837 (2023) tightened the CRN particularity requirement and codified a mere-negligence safe harbor — mere negligence alone is insufficient to constitute bad faith. The calculator reads the CRN cure-window status, computes the excess-judgment exposure under the common-law theory, surfaces the statutory total-damages measure under F.S. § 624.155(8) (including attorney's fees and costs), and emits a recommendation (serve CRN, await cure, close file, file suit, or retain counsel on excess judgment).

Florida PIP Coverage Calculator

Estimate what Florida Personal Injury Protection (PIP) — the no-fault coverage required on every Florida-registered private-passenger auto under F.S. § 627.736 — actually pays on a specific accident. The calculator applies the $10,000 PIP limit, the EMC vs non-EMC medical bifurcation introduced by 2012 HB 119 (full $10,000 with an Emergency Medical Condition determination by a licensed provider; $2,500 sub-limit without), the 80% medical coinsurance (with 20% patient out-of-pocket), the 60% wage-loss benefit, the 80% replacement-services benefit per (1)(b), the F.S. § 627.739 optional $0 / $250 / $500 / $1,000 deductible, the separate $5,000 death benefit under (1)(c), and the F.S. § 627.736(1)(a) 14-day treatment-window forfeiture rule. Surfaces total PIP paid, per-benefit breakdown, patient out-of-pocket coinsurance, remaining PIP limit, exhaustion status, and the F.S. § 627.737 permanent-injury tort threshold that gates a third-party suit against the at-fault driver for pain and suffering.