Fravi Insurance Services

Insurance FAQs

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These insurance FAQs address some of the most common questions our customers ask. If you don’t see your question here, give us a call—we’re happy to help. Our bilingual team can explain coverage options, compare quotes across carriers, and guide you toward the right protection. Reach out today to safeguard your home, car or business with confidence.

Home Insurance FAQs

No. Standard homeowners policies exclude flooding, whether from storm surge, overflowing rivers or heavy rain. To protect your home against rising water, you need a separate flood policy through the National Flood Insurance Program (NFIP) or a private carrier. More than 40 percent of NFIP claims come from homes outside high‑risk flood zones, so flood insurance is worth considering even if you’re not on the coast.

Florida homeowners policies usually include two deductibles. The hurricane deductible is a percentage of your dwelling coverage—commonly 2 %–5 %—and applies when a named storm causes damage. The “All‑Other‑Perils” (AOP) deductible is a fixed dollar amount (such as $1,000 or $2,500) that applies to other losses like fire, theft or burst pipes. Understanding both helps you decide how much risk you’re comfortable shouldering.

Yes. Most Florida homeowners policies include Loss of Use coverage (also called Additional Living Expenses, or Coverage D), which pays for reasonable temporary housing, meals, and other increased living costs while your home is being repaired due to a covered loss. Your personal belongings are also generally covered under Coverage C (personal property) wherever you are staying, as long as the location is not another residence you own. Talk to your agent to confirm your specific coverage limits and any exclusions that may apply.
You should report a claim as soon as possible after a loss. Insurers often prioritise claims by severity, especially after a hurricane. In Florida, property insurance companies must pay or deny a claim (or part of a claim) within 90 days after receiving notice unless factors beyond their control cause delays.

Most Florida homeowners policies cover wind damage from named storms, but you may have a higher hurricane deductible. Coastal properties or homes insured through certain state‑run programs might require a separate windstorm or excess hurricane policy. Ask your agent how wind coverage works on your policy.

Auto Insurance FAQs

To register a vehicle in Florida, you must have at least $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PDL). PIP pays your medical expenses and lost wages regardless of fault, while PDL covers damage you cause to someone else’s property.

PIP covers 80 % of reasonable medical expenses and 60 % of lost wages up to $10,000, and provides a $5,000 death benefit. It applies to you, relatives living in your home, certain passengers, and pedestrians or bicyclists in Florida accidents. To qualify for benefits, you must receive initial medical treatment within 14 days of the accident.

No. Bodily Injury Liability (BIL) coverage—which pays for injuries you cause to others—is generally optional. However, drivers convicted of DUI must carry $100,000 per person / $300,000 per accident in BIL and at least $50,000 in property damage coverage for three years after license reinstatement.
Generally, yes — but the car owner’s insurance is primary. In Florida, liability coverage follows the vehicle first, not the driver. If you borrow someone’s car with permission, their policy pays first in the event of an accident; your own policy acts as secondary (excess) coverage. Similarly, if you let someone drive your car, your policy is typically primary. Check your policy for specifics.
Collision and comprehensive insurance pay for damage to your car from collisions and non‑collision events (fire, theft, vandalism, windstorm, flood, hitting an animal). Uninsured motorist coverage protects you if you’re hit by a driver with no insurance. Medical payments coverage helps pay medical bills beyond PIP. Discuss these options with your agent to decide what fits your budget and risk tolerance.

Business Insurance FAQs

Almost always. Florida law requires most employers to purchase workers’ compensation coverage. Workers’ comp provides benefits for job‑related injuries, regardless of fault, and it generally shields employers from injury lawsuits. Coverage can also be mandatory under certain contracts or licenses.
Workers’ compensation pays for medical expenses, disability benefits and death benefits related to occupational injuries or illnesses. Employees receive benefits without needing to prove employer negligence, which helps them recover while limiting lawsuits.
No. Florida doesn’t mandate general liability (GL) coverage for all businesses. However, GL insurance often becomes mandatory under licensing rules (for example, contractors must carry specific limits), commercial leases and vendor contracts. Even when not required, GL coverage is recommended because it protects your business if someone claims bodily injury, property damage, or advertising injury.
A standard GL policy pays for medical bills and legal fees if someone is injured on your premises or if you damage someone’s property. It also covers personal and advertising injury (libel, slander, copyright infringement), completed operations (claims arising after you finish a job), small medical payments without proving fault and legal defense costs. Optional endorsements—such as liquor liability, pollution coverage or hurricane‑related liability—can be added based on your business’s needs.
If you or employees drive personal vehicles for work, a commercial auto policy or endorsement is generally needed. Personal auto policies may exclude coverage for business use, leaving you exposed in the event of an accident. Your agent can advise whether a separate policy or endorsement is appropriate based on how you use vehicles for business.

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