Practical guides and answers to common Florida insurance questions.
NWS Miami upgraded Coastal Miami-Dade to a Coastal Flood Warning through Wednesday. Tuesday is the east-coast annual peak. How ZIP 33160 should read significant flooding, a 40 mph wind advisory, and a quiet Atlantic.
Read ArticleNWS Miami upgraded Coastal Miami-Dade to a Coastal Flood Advisory through Saturday. Josephine is post-tropical off Nantucket. How ZIP 33160 should read this weekend’s king-tide flood against a hurricane deductible that never started.
Read ArticleAssumption mail is in transit. The Oct. 5 choice deadline has passed. NHC’s 40% Josephine outlook is not a freeze. How ZIP 33160 should read the November 5 packet before king tide.
Read ArticleNHC’s October 19 outlook is a non-tropical low with a 40% subtropical chance. Fla. Stat. 627.4025 still needs an NHC hurricane and a Florida warning. How ZIP 33160 should read this week’s rip currents versus flood.
Read ArticleOIR’s −12.8% HO-4 average took effect October 11. Josephine is still unused. How Sunny Isles Beach tenants should read a statewide cut against the October 27 king-tide peak — and a flood wait that already misses it.
Read ArticleCity STR enforcement started October 1. The Atlantic is quiet. The October 27 king-tide peak is not. How Sunny Isles Beach hosts should read the license, association consent, and why a personal HO-6 is not guest liability.
Read ArticleCitizens reopened new and increased coverage at 5 a.m. ET October 10 after a Destin Category 2 landfall. How Sunny Isles Beach owners should bind again — and why king-tide flood still isn’t a Panhandle wind claim.
Read ArticleIsaias is the first Atlantic hurricane of 2026 and a northern-Gulf landfall. Citizens paused new and increased coverage statewide October 7. How Sunny Isles Beach owners should read a Panhandle warning against a king-tide weekend.
Read ArticleTropical Storm Isaias formed October 7. How Sunny Isles Beach HO-3 owners should read Florida’s 25% vs 50% ordinance-or-law offers against HVHZ rebuilds — and why NFIP’s $30k ICC is not a substitute.
Read ArticleA Gulf trough is 70% to develop this week. Citizens’ Dec. 1 forms can drop wind coverage if required flood lapses. How Sunny Isles Beach HO-3 owners should read the 14-day authorization — and why HO-6 still gets the new short-term rental definition.
Read ArticleOctober 2 still has no Atlantic hurricane. Fay is a remnant low. How Sunny Isles Beach homesteaders should read the $700k grant cap — and why Collins Avenue condos use the association-only Condo Pilot.
Read ArticleSeptember 2026 closed with no Atlantic hurricane. Hanna is a remnant low east of Bermuda. How Sunny Isles Beach snowbirds should read vacant vs unoccupied HO-6, the 90-day PIP clock, and October king tides.
Read ArticleA 330-day hurricane drought is still a Coverage D conversation. How Sunny Isles Beach owners should read HO-3 and HO-6 loss of use versus NFIP’s hotel gap during September–October king tides.
Read ArticleOIR approved four more HO decreases on September 22 for 62,000 policies. Gonzalo is a Cabo Verde fish storm. How Sunny Isles Beach owners should read statewide averages against HVHZ, flood, and a Citizens renewal.
Read ArticleTropical Storm Fay is a distant fish storm. King tides start September 24. How Sunny Isles Beach drivers should read comprehensive vs PIP, garage flooding, and why NFIP never covers the car.
Read ArticleA record-quiet Atlantic week is still a 30-day NFIP wait. How Sunny Isles Beach owners should compare the $250k/$100k federal caps, private and supplemental flood, additional living expenses, and the September 24 king-tide window.
Read ArticleA record-quiet Atlantic peak is the window to size the HO-6 limit that pays a storm assessment. How Sunny Isles Beach owners should read a 2026 letter — SIRS and 25-year recertification vs. the $2,000 statutory floor.
Read ArticleA record-quiet Atlantic peak does not cover a ground-floor storefront. What a BOP includes — and why flood, liquor liability, and workers’ compensation sit outside it — for Collins Avenue businesses in ZIP 33160.
Read ArticleCitizens already requires flood for $400k+ Coverage A homes — including Zone X. HO-6 condos stay exempt. How Sunny Isles Beach homeowners should use a record-quiet 2026 peak, NFIP’s Dec. 11 extension, and the January 1, 2027 remaining phase-in.
Read ArticlePeak hurricane season is quiet so far in 2026 — which is the NFIP waiting-period window. How Sunny Isles Beach tenants should read HO-4 coverage, contents-only flood, hurricane deductibles, and lease additional-insured rules.
Read ArticleFlorida’s OIR-B1-1802 form changed April 1, 2026, and Citizens revised HO-4/HO-6 credit tables July 1. How Miami-Dade HVHZ homes and Collins Avenue condos should document inspections — and what the 15-year roof-age rule still does.
Read ArticleThe October 20, 2026 Citizens assumption is next — choice deadline October 5. How the 20% takeout rule works for coastal condo owners, and what to compare besides the estimated premium.
Read ArticleCitizens cut many personal-line rates in 2026, but condo association master policies went up. How Sunny Isles Beach owners should read HO-6 relief, July 1 commercial-residential increases, and SIRS assessments.
Read ArticleFlorida auto rates are falling in 2026, but PIP is still required. A Sunny Isles Beach guide to comparing coverage — not just the headline premium — for Miami-Dade drivers.
Read ArticleWind, storm surge, and flood are often three different insurance conversations. A 2026 guide for Sunny Isles Beach homeowners and condo owners on hurricane deductibles, Miami-Dade's HVHZ, and what to review before peak season.
Read ArticleFlorida condominium owners face a unique coverage situation — your unit, belongings, and liability may not be covered by your association's master policy. Here's what to understand about HO-6 insurance in Sunny Isles Beach and across Florida.
Read ArticleA common misconception. Standard homeowners and condo policies generally do not cover flooding from external water sources. Here's what South Florida property owners need to know about flood insurance.
Read ArticleFlorida operates under a no-fault insurance system, making PIP coverage an important part of auto insurance for Sunny Isles Beach and South Florida drivers. Here's a plain-language overview.
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