What to do if your Florida home insurance is not renewed.

First 24 hours

• Save the notice and write down the policy expiration date.
• Ask the insurer or agent for the exact reason in writing.
• Confirm whether a repair, inspection, mitigation step, or document can change the decision.
• Do not cancel the old policy until replacement coverage is bound and effective dates line up.

Florida issues to watch

In Florida, pay close attention to hurricane, wind, roof, mitigation discount, and nonrenewal signals. These can affect eligibility, premiums, deductibles, roof settlement, exclusions, or quote availability.

Use the Dropped Policy Help Center for an interactive checklist.

If a Florida insurer drops you

Common Florida reasons include roof age or condition, prior carrier insolvency forcing a move, claims history, and overall coastal exposure. Ask for the specific reason in writing, because a fixable issue (an inspection item or a missing mitigation form) is very different from a market exit.

Do not let coverage lapse. A gap can violate your mortgage terms and make replacement coverage harder to get, so keep the current policy active until a replacement binds.

Citizens Property Insurance as the last resort

Citizens Property Insurance Corporation is Florida's state-created insurer of last resort. Eligibility generally depends on not having a comparable private offer within a set percentage of the Citizens premium, and Citizens may send “takeout” offers that move you to a private carrier.

Citizens is not automatically the cheapest or broadest option, and assessment rules can apply after severe storm seasons. Treat it as a backstop while you keep shopping admitted carriers and independent agents.

Use Florida's official consumer help

The Florida Department of Financial Services runs an Insurance Consumer Helpline for complaints and questions, and the Office of Insurance Regulation publishes carrier and market information. Florida CFO homeowners overview.

Questions to ask before you shop

• Is this a nonrenewal, conditional renewal, repair requirement, or coverage restriction?
• Which deductible changed: all-perils, wind, hail, hurricane, wildfire, or another separate deductible?
• Did roof settlement change to actual cash value or an age-based schedule?
• Did the dwelling limit, water backup, ordinance or law, loss-of-use, or exclusion language change?
• Can a licensed agent quote equivalent coverage, not just a lower price?

Official Florida help

Use official consumer resources when the notice is unclear, deadlines are short, or you need complaint information.

Florida CFO homeowners overview

Share the signal anonymously

If you are comfortable contributing, RateReceipt can count your nonrenewal or restriction without asking for your address, ZIP code, insurer name, policy number, or documents.

Report a nonrenewal or coverage issue or open the Florida tracker.