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Boca Raton: (561) 674-0774 Melbourne: (321) 259-5900

Where are you located?

We are your neighborhood Insurance Agency.  Our Boca Raton address is 7251 West Palmetto Park Rd, Suite 206, Boca Raton, FL   33433.   We are on Palmetto Park Road, just west of Powerline Road. We are the first building past the Chevron Station on the north side of the road. Our name is on the top right corner of the building to make it easier for you to find us.

We have an office in Melbourne too. It is located at 100 Rialto Place, Suite 744. It is in the Rialto Building which is off of Babcock Road near the Airport Hilton.

Why should I have flood insurance if I am not in a flood zone?

As you have probably heard by now, your regular homeowner’s policy does not cover losses from a flood. A flood is defined as rising water. In Florida, at any time, we can have a rain storm drop 10 to 12 inches of rain in an hour. Unless you are on an elevated land area, like a mountain, this amount of rain in a quick time will accumulate rapidly and cause flooding, which could cause damage to your property. Don’t forget the rain associated with our hurricanes. The northeast corner of the storm produces a lot of rain too!

What should I do if I have a claim?

First, make sure everyone is okay and call the appropriate services if there are any injuries. For other types of claims, do your best to secure the property or area so no further damage will occur. Then call us or call the insurance carrier if you have their number handy. Most insurance companies like to speak directly with the insured when a claim occurs. They will let us know if you call them directly. Either way, we will monitor the whole claims process and update you until the claim is closed out.

What is the difference between Liability and Medical Payments on my policy?

Your liability policy protects you or your business from injuries or damage caused by your negligence. For the liability portion of the policy to respond, a lawyer needs to begin a lawsuit against you or your company. However, if your good friend or a business client who slips and incurs minor injuries on your premises, the medical payments portion of your policy will respond to pay up to $10,000 without involving lawyers, which helps you maintain your relationship with your friend or customer.

Why does Homeowners Insurance cost so much more in Florida than in other states?

Good question as Florida was recently named #1 in having the highest average premium for home insurance! Three reasons are given for this achievement. First, 8 of the top 12 costliest hurricanes in US history have hit the State of Florida.   Second, while insurance companies in other states usually exclude sinkhole coverage from their homeowner’s insurance policies, Florida requires it to be an offered coverage. One sinkhole recently swallowed up a whole house in Tampa. Third, Florida leads the nation in lightning strikes. Insurance companies factor these facts into their rate calculations. Florida also ranks high for scams, identify theft and litigation, which impacts insurance rates as well.

What is Law or Ordinance coverage?

Back in 1992, Hurricane Andrew hit Florida at a Category 5 hurricane. In addition to causing a lot of damage, its aftermath caused our building codes to be upgraded. All new construction and rebuilding had to be upgraded to the new code. If your home was built before the new codes took effect, and let’s say you had a fire destroy your home, your basic home insurance policy would pay to put it back the way it was before the fire. But with the new building codes, you are not allowed to build it back to the way it was, you now have to rebuild it better than it was. This coverage gives you an extra 25% or 50% of the policy limit to allow for the new codes. Without the coverage you will have to pay for it yourself.

Why should I get Uninsured or Underinsured Motorists Insurance on my auto policy?

Conservative estimates state that 26% of the drivers on Florida’s roads don’t have insurance and in some areas it is as high as 34%!   Crazy risky for those of us who are responsible drivers! Uninsured or Underinsured Motorists coverage will provide your policy limits to your damages or injuries should you have the unfortunate experience of a car accident with someone with no insurance or not enough insurance. If you have multiple cars on your policy, you can “stack” the coverage meaning your policy limits will be multiplied by the number of cars you have on the policy. Better Safe than Sorry!

Is Mack Insurance Group my insurance company?

No, we are the people who find you an insurance company. We are an independent insurance agency that represents over 140 different insurance companies and wholesalers which allows us to find the best coverage and price for your needs. We don’t set the premium rates. We don’t determine or adjust claims when they occur. But we are in your corner, fighting for the best outcomes for you.  We are there to give you Peace of Mind!

Why does my friend who lives with me and rents a room in my house have to get renters insurance?

There are several reasons why you want your friend to purchase a renter’s policy. Your policy covers you. If your friend invites someone over to your home while you are away, and they trip over something in your friend’s rented room and get hurt, their lawyer will sue everyone. If your friend has a renter’s policy, maybe the limit will satisfy the lawsuit and you won’t get dragged into the lawsuit. However, if you friend doesn’t have insurance, the lawyer will look to the homeowner as his next target. In addition, any of your friend’s personal belongings will not be covered should something happen to your home and damage their property.

What is the difference between sinkhole insurance and catastrophic ground collapse coverage?

Sinkhole Loss coverage protects your home from structural damage resulting from confirmed sinkhole activity. The determination of a sinkhole is very vague and was being abused by public adjusters and lawyers, so the companies made it an optional coverage that requires an inspection for the coverage to be approved. The inspections cost around $225. All the Florida policies automatically come with Catastrophic Ground Cover Collapse coverage. Catastrophic Ground Cover Collapse coverage applies when geological activity results in all of the following conditions:

  • Abrupt collapse of ground cover
  • A depression in the ground cover that is clearly visible to the naked eye
  • Structural damage to the building, including the foundation
  • It must be condemned and ordered by government authorities that it be vacated

There is no additional cost or inspection needed for this coverage.

For my auto registration, where can I find that 5 digit insurance company code?

The 5-digit code appears on your auto insurance ID card. If you cannot locate it, feel free to call us.

What is this Assignment of Benefits issue that is causing a spike in Home Insurance rates?

Assignment of Benefits started with good intentions.  When a policyholder had a claim, such as a water pipe breaking in the home and flooding a kitchen or other rooms, they would call a company or contractor to come out to dry out the flooded area and begin repairs.  They would also call their insurance company to report the claim. Before Assignment of Benefits, the insured person would have to pay the contractor a down payment for the work to begin and send the work estimate outlining the scope of work to be done to the insurance company.  The insurance company would agree or modify the work to be done, and then send the insured a check to reimburse the money paid to the contractor. The insured was aware of the process and the cost of the repairs. Then someone read the insurance policy and determined that the contractor could do the insured a favor by having them sign an Assignment of Benefits form which would give the contractor the right to “step into the shoes of the insured” and deal directly with the insurance company.  The benefit for the insured was that they no longer had to lay out any of their own money to pay for repairs. It worked fine for years. Over the past few years a few unscrupulous contractors and lawyers got together to take advantage of the system. Their customer would sign the Assignment of Benefits form, and the contractor would begin doing the work. The contractor then would inflate the costs or inflate the scope of the work and submit their bill to the insurance company. When the insurance company would challenge the costs or scope of work, the contractor’s lawyer would then sue the insurance company.  In Florida, if the case goes to court and the contractor is awarded just $1.00 more than what the insurance company offered to pay the contractor for their work, then the lawyers fees are also paid by the insurance company. It has become quite a scam for some. Now if the insurance company prevailed in court, then the contractor will come after the insured for the money that the insurance company did not pay, and will even put a construction lien on the insured’s home until they are paid.

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