Florida Property Manager Resource Library

Everything you need to do before June 1st to protect your portfolio, document your properties, and be ready when a storm hits.

The specific challenges of preparing apartments and condos for hurricanes: common area inspection checklists, tenant communication plans, utility shutoffs, generator requirements under Florida law, and what to document before the storm.

A step-by-step walkthrough of the insurance claim process - what happens when, who to call, and how to avoid the most common mistakes.

Florida hurricane deductibles are percentage-based - a 2% deductible on a $400K home is $8,000 out of pocket. Here's how they work, when they trigger, and what to tell your owners before storm season.

The difference between a full payout and a lowball offer often comes down to documentation. Here's exactly what to capture and how.

Most property managers leave money on the table after storms. Here's exactly what to document, when to file, and how to dispute a low estimate.

Florida's 2022 reform cut the supplement window to 18 months. Here's when supplements apply, what triggers them, how to document hidden damage, and what to do when the insurer pushes back.

Florida's 2022 reform cut the filing window from 3 years to 1 year and supplements to 18 months. Miss a deadline and you lose the claim permanently. Here's every date that matters.

Florida's heat and humidity turn water intrusion into mold within 24-48 hours. Most policies cap mold coverage at $10,000 — far below actual remediation costs. Here's what your policy covers, the reporting rules that kill claims, and how to document mold damage correctly.

Florida has more sinkholes than any other state, but standard property insurance excludes sinkhole damage. Here's what's covered, how to file, and how to dispute a denial.

The 25% rule, ACV endorsements, post-reform deadlines - Florida roof claims are complicated. Here's what changed and how to protect your payout.

What to say to tenants within 24 hours of storm damage, Florida landlord legal obligations for habitability, how to handle displaced tenants, and template language for every communication.

Citizens, Universal, Heritage - navigating Florida's unique insurance market as a property manager. What you need to know.

Filing with Citizens is not the same as filing with a private insurer. The deadlines changed in 2022, the depopulation program has traps, and ACV vs. RCV on roofing can cost you tens of thousands. Here's the full breakdown.

Florida's 2022 AOB reform (SB 2-D) eliminated the one-way attorney fee provision that fueled AOB abuse. Here's what changed, how it affects storm claims today, and what contractors may still try to get you to sign.

FEMA flood zone designations explained, which zones require flood insurance for federally-backed mortgages, NFIP vs. private flood coverage for rentals, and how to look up any property.

Standard property insurance covers water damage but not flood damage — and in a Florida hurricane, the difference can mean tens of thousands of dollars. Here's how to tell which is which, what NFIP actually covers, and how to audit your portfolio for gaps.

Loss of rents coverage pays you when a covered peril makes your property uninhabitable — not when a tenant simply leaves. Here's how to calculate adequate limits, survive the waiting period, and document a claim the right way.

Florida's market runs on Demotech ratings, small domestic carriers, and Citizens as insurer of last resort. Here's what a Demotech A rating means, what happens when your carrier goes insolvent, and how to check a carrier before recommending it.

Your insurer sends their own adjuster. A public adjuster works for you. Here's the difference, when it matters, and how to choose.

How to vet contractors fast, track licenses and insurance, and make sure the right vendor shows up to the right property.

Mold begins in 24–48 hours in Florida heat. Here's how to hire the right water extraction contractor, verify IICRC certification, spot storm-chaser red flags, and collect documentation that supports your insurance claim.

AppFolio and Buildium are great for rent collection. They're terrible for managing 14 active insurance claims at once.