policy exclusions Archives - Policyholder Advocacy Group

Where in Your Renewal Does It Say Water Damage Stops at $10,000?

Posted on November 4, 2026November 4, 2026 by Libby Tucker

A cheaper homeowners insurance policy can cap water damage at $10,000 and matching at 1%. Check four lines before you renew....

Insurance Shrinkflation: Your Florida Policy Covers Less Than It Used To

Posted on October 12, 2026October 25, 2026 by Libby Tucker

Premiums keep climbing. Coverage keeps shrinking. The Florida Association of Public Insurance Adjusters calls it insurance shrinkflation, and its timeline of Florida policy changes runs more than three decades. How Coverage Shrank 1992: percentage hurricane deductibles appear 1999 and 2000: collapse coverage cut, mold exclusions spread 2008: managed repair programs put the insurer’s contractors in ...