Regulatory Disclosures

Insurance Disclosures & Disclaimers

A plain-language guide to how to read everything on this website, and what to expect from us as an independent agency.

Your Policy Documents Always Control: If anything on this website ever appears to conflict with your issued insurance policy, the official policy declarations, forms, endorsements, exclusions, and conditions issued by your carrier strictly control.

Independent Agency Representation

Florida State Insurance Group, Inc. is a licensed independent insurance agency headquartered in Fort Lauderdale, Florida. We represent clients by shopping and placing coverage through multiple admitted and surplus lines insurance carriers. Carrier eligibility, guidelines, and premiums are set independently by each insurer.

Separate Nature of Flood Insurance

Standard homeowners, condo, and dwelling property insurance policies generally exclude damage caused by rising water, storm surge, and inland flooding. A separate flood insurance policy through the National Flood Insurance Program (NFIP) or an approved private flood carrier is required for rising water protection.

Claims Reporting Notice

This website does not accept, investigate, or process insurance claims. To report property damage or an accident, contact your insurance carrier’s claims department directly using the phone number listed on your policy declarations page. In an immediate life-safety emergency, call 911 first.

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