Personal Advice • Local Florida Knowledge
Florida homeowners insurance has become more complicated, and price is only part of the picture. Where the home is located, its age and construction, the roof, wind mitigation features, replacement cost, deductibles and the insurance company's underwriting requirements can all affect your options. I help homeowners sort through those issues and understand what they're actually buying.
- Personal Guidance Since 1984
- CPCU Professional Designation
- Florida & Nationwide Licensing
Serving Florida Homeowners Statewide
Roof • Wind • Coverage • Available Markets
Florida Homeowners Insurance That Starts With Your Property
No two Florida homes are exactly alike. Before discussing insurance companies or premiums, I want to understand the house and review the property information, inspections and mitigation documents you have available.
What I Look At
Roof Age & Condition
Roof age, condition, shape and other features that may affect underwriting.
Wind Mitigation & Openings
Impact windows, shutters and other wind-mitigation features documented on the property.
Location & Exposure
Location, distance to the coast, flood considerations and applicable hurricane or wind deductibles.
Available Insurance Companies
Which insurance companies may be willing to consider a home with those characteristics.
Received a Home Insurance Non-Renewal?
A non-renewal doesn’t necessarily mean you’re out of options, but timing matters. Properties with older roofs, coastal exposure, previous claims or other underwriting considerations may require additional time to evaluate.
Michael Hastava, CPCU
Insurance Advisor • Since 1984
Acrisure Resources
Why Work With Michael Hastava?
I’ve been in the insurance business since 1984 and hold the CPCU designation. Just as important, I still believe clients should be able to talk to the person reviewing their insurance. Through Acrisure, I also have access to a broad range of insurance companies and specialty markets.
40+ Years Experience
More than 40 years helping clients through changing insurance markets.
CPCU Designation
A respected professional insurance designation requiring advanced study and examinations.
Personal Advice
You’ll deal with me directly, not just an online quoting system.
Broad Market Network
Access through Acrisure to a broad range of Florida insurance markets.
Ready for a Second Opinion?
You don’t have to change insurance companies to have your coverage reviewed. Send me your current policy and I’ll take a look.
Confidential policy evaluation • No obligation • Direct personal response from Mike