When Should You Update Your Home Insurance in Florida?

According to a recent study, 55% of all American homeowners say that they’ve never had to file a claim. And that’s a good thing. If you don’t need to file a claim, it means that your home isn’t damaged. And even if you get compensation for property damage, going through the hassle of making a claim and repairing your home is never fun. Most people also never think about updating their home insurance. But could this be the right decision for you? Here’s how to tell when to update your insurance in Florida:

Review Your Home Insurance Every Year

Although many people never think about their home insurance policy after their initial purchase, this really isn’t a “set it and forget it” kind of deal. Instead, your best bet is to review your home insurance every year. Every year, you have the option to renew your policy. It is very easy to simply say “yes” to renewal without really thinking about it — but a few minutes of thought and consideration can lead to serious savings.

Update Your Home Insurance After Renovations

After renovating your home, you should also consider updating your home insurance policy. Why? Because when you renovate your home, you increase its value. This means that your current policy might no longer be enough to cover losses.

Update Your Home Insurance to Cover New Risks

If you are concerned about new risks to your home, you should think about updating your home insurance. Unfortunately, many people feel a sense of anxiety about changing weather patterns in Florida. The sheer level of property damage caused by hurricanes within the past few years has been a major wake-up call for many people. The truth is that you might have the opportunity to get better, more reliable coverage by updating your policy.

One of the most important considerations is flood damage. Many “normal” policies do not include flood damage. It’s very important to read the fine print, as some policies provide flood coverage only in certain situations. The source of the water often matters; whether it’s from burst drains, overflowing sewers, or excess rainfall. 90% of all weather disasters involve some kind of flooding, according to a recent report.

One of the best ways to review the fine print is to get in touch with an insurance claims attorney. This route is especially helpful if you’re having trouble filing a claim — whether your claim has already been denied or whether you simply need help checking all the boxes.

Where Can I Find a Qualified Home Insurance Attorney in Florida?

If you’ve been searching for a home insurance attorney in Florida, look no further than Shochet Law Firm. We know that home insurance is a subject that is difficult to wrap your head around. Whether you have questions about updating your insurance, reading that pesky fine print, or filing a claim, we’re here to help. Book your consultation today to learn more about your legal options and get the compensation you deserve for property damage. Reach out now.


  1. https://www.realsimple.com/work-life/money/home-finance/update-home-insurance
  2. https://www.westlandinsurance.ca/news/when-should-you-update-your-home-insurance-policy/


Shochet Law Group

409 N. Main Street
Trenton, FL 32693
(352) 354-4518 or (877) 548-9888
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If you have further questions about this article or legal concerns, call 800-672-3103

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