Wind & Hail – Damage from any "wind event" or hail event will trigger this deductible.

Named Storm – Damage from a storm which has been given a "name" by the National Weather Service or US Hurricane Center will trigger this deductible. Ex- Tropical Storm or Hurricane "Andrew"

Hurricane – Damage from a "Hurricane" as categorized by the National Weather Service or US Hurricane Center will trigger this deductible.

With our roots in South Carolina going back to 1981, PC&L Agency has agreements with multiple carriers and brokerage firms that wish to expand their footprint along the SC Coast - even in the SC Wind and Hail Association zones. We have similar agreements with carriers that wish to increase their footprint in Florida. Several have great interest in The Villages and Orlando areas. Great premiums, lower deductibles, better coverage and pay options are yours to be had.

In Florida, Citizens Insurance was developed in 2002 by the Florida Legislature as a not-for-profit, tax-exempt, government entity designed to provide property insurance to eligible Florida property owners unable to find insurance coverage in the private market. Citizens' goal is uttimately de- population as is the case for most "last resort pools". Lower coverage limits and restrictive underwriting are a few of the reasons that Citizens is a carrier of last resort. Citizens sometimes has lower up-front costs, however if Citizens must pay more in claims than ti has in reserves they can and will assess a Citizens Policyholder Surcharge of up to 15% of the annual premium. If this is not enough to cover the losses, additional emergency assessments of up to 10% of the annual premium can be charged on top of that. That would of course be during a time of disaster when most people would be tight on money.

Many carriers writing in Florida, including Citizens have a limit on the personal liability coverage. The current limit is in many cases only $100,000 with no option to increase. Most standard policies prefer to write a minimum of $300,000. Coverage for jewelry is also limited to $1,000 with no option to increase. Under a 2022 LF law all Citizens policyholders whose policies include wind coverage must also purchase separate flood insurance. This should be fully enacted by 2027.

The goal for PC&L Agency with our Florida locations is to assist in the depopulation of Citizens Insurance while providing a cost-effective option with sound coverage. As stated, we have assembled a group of brokers and carriers that are willing and able to increase their footprint in the Florida area. Our long-term navigation of the coastal insurance market along with our strategic alliances in the US and Lloyds of London markets has provided us with a great pool of insurance providers to choose from. Most of these markets are focused on expanding in The Villages and Orlando.