Del Toro Insurance
Fomentando el camino hacia la industria de los seguros
América TV captó todo lo que fue el fórum y la celebración de los 25 años de Del Toro Insurance. Con Del Toro Insurance tienes todo lo que necesitas para estar bien asegurado y además crecer profesionalmente con tu propia franquicia. Si eres emprendedor y quieres asegurar tu futuro empresarial con una marca consolidada!! Esta es tu oportunidad, completa el formulario y uno de nuestros agentes se estará comunicando contigo con todas las dudas que tengas para emprender tu negocio.
Annual Convention of the FAIA
June, 2024
As part of our participation in the 2024 Convention of the Florida Association of Insurance Agents FAIA held in Orlando, Del Toro Insurance held a seminar to promote the growth of the insurance industry through franchises. Entrepreneurs and business owners participated in the event.
Del Toro Insurance 25th Anniversary
Del Toro is a family business and that has defined much of the path it has traveled to this day. The main reason for starting out in this industry has been to contribute to a community that needs us and with which we feel an eternal commitment. Growth would not have been possible without the support and permanent exchange with our community whom we have tried to serve with immense respect.
On the other hand, we have tried to provide a service that is also deeply rooted in family values because we consider that targeting the well-being of families in a society that is transforming day by day is essential. We have simply delivered transparency, honesty, trust and loyalty, which I believe have really been the key to being able to treasure the preference of our clients over the years.
Time really passes very quickly. We began our journey in a small office located in the west of the county. Today we are a solid company with a commercial presence throughout the state of Florida and an increasingly large group of franchisees who have opted to be part of the Del Toro family, making our business model their own. To our pride, the vast majority have been families that have turned to entrepreneurship and that, today, replicate those values of transparency, honesty, trust and loyalty to their clients.
Jan 16, 2024
Florida is a beautiful state, but it also has some extreme weather issues that have the potential to cause damage to homes and condos, both on the coast and further inland. Windstorm insurance in Florida is one of the property-casualty insurance options that offer coverage when damages are wind-related. This can include gale-force winds, tornadoes, and wind damage from hurricanes that exceed 35 miles per hour.
Most home insurance companies generally offer windstorm insurance as a rider or an additional policy coverage to standard home or condo insurance quotes in Florida. It is designed to compensate the home or condo owner for property damage, also known as physical damage that occurs to both personal items as well as the property.
Additional wind insurance helps avoid the problems with standard policies not covering “vis major” or natural occurrences with superior force. These events cannot be prevented and are also not directly caused by the insured.
It is important to note that this type of condo and home insurance does not cover damages from water or flooding.
How It Works
Talking with Del Toro Insurance, your local insurance company in Florida serving Hialeah Garden, FL, Margate, FL, Homestead, FL, Palmetto Bay, Cutler Bay, Hialeah Gardens, FL, North Miami Beach, Coral Gables, Hialeah, FL, Naples, FL, and Miami FL, will help you understand the importance of windstorm insurance.
The policy may be an add-on to your existing policy, or it can be purchased as a separate type of condo and home insurance. Adding this will change your home insurance premium in Florida, which is a factor to consider. In most policies, there is a wind deductible, which is typically set at a percentage of the value of the residence.
As with any insurance, the amount paid through the claim will depend on the terms of the insurance coverage. When getting condo insurance quotes in Florida that include windstorm coverage, be sure to confirm you are comparing either actual cash value or replacement cost coverage.
What is Covered?
As mentioned above, this insurance covers damages to the structure and physical damage as well as wind damage to your possessions. Individuals living in condos can be insured for coverage for roof, windows and siding, loss of use of the home, personal property loss, and tree damage and debris cleanup. In some cases, other structures such as fences, sheds, garages, and even gazebos or other outside structures may be covered.
Remember, there will be an additional flood insurance premium in Florida if you live an a geographic area that is prone to flooding or has flooded in the past.
Factors Affecting the Cost
As with any type of insurance, different factors impact the cost of windstorm insurance for a home in Florida. The location of your condo and the distance from the shoreline are always factors that are outside of your control. The loss history of the property can dramatically increase the premium if there is a history of wind damage claims.
The construction materials used in the condo and the property’s age are also considered. Newer buildings tend to be constructed with more durable materials that withstand wind and storms. Older buildings may also have structural problems, increasing the risk of damage in windy conditions.
Choosing high coverage limits and low deductibles also increases the cost of this type of insurance.
Del Toro Insurance is a home insurance company with a focus on customer service. We help our customers throughout the state find affordable wind insurance for their condos and homes.
To talk to an agent, drop by one of our offices or call us at 305-335-8676 for a quote.
FAQ:
Is windstorm insurance mandatory for condo owners?
The laws in Florida require all condo associations to have windstorm insurance. However, condo owners are not mandated to have insurance, but lenders may require it for mortgages.
What is the difference between replacement cost and actual cash value coverage for windstorm damage?
Actual cash value pays out the current value of the damaged item or structure less any depreciation. Replacement value pays out on the cost to repair or replace without factoring in depreciation.
What is a deductible and how does it affect my windstorm insurance premium?
The deductible is the amount the homeowner pays before the insurance pays. Higher deductibles lead to lower premiums.
How can I file a windstorm insurance claim?
The team at Del Toro Insurance can assist you in filing a windstorm claim through our convenient claims process.
How can Del Toro Insurance help me with my windstorm insurance needs?
Call us today at 305-335-8676 to talk to an agent and discuss your windstorm insurance needs.
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