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.
Aug 18, 2023
Having a homeowners policy is required for those with mortgages, but even without a mortgage, having a homeowners insurance policy is the best way to protect your largest investment. Throughout the state of Florida, increasing storm frequency and severity make it essential to have insurance coverage in the event of a hurricane, tropical storm, or significant weather event.
As a leading insurance agency in Florida, Del Toro Insurance is here to help our existing customers and those who are dealing with unexpected losses in coverage. With Farmers Insurance announcing they are pulling out of state, over 100,000 homeowners are scrambling to find affordable coverage.
Knowing what to do if your coverage is dropped is essential in finding alternative insurance that provides the same level of security and protection in the event of damage to your home and possessions.
In general, insurance companies can cancel a homeowners’ insurance coverage if the homeowner fails to follow the terms of the policy. The most common issue in this category is if the homeowner fails to make a payment on the policy and does not catch up on the payment within thirty days.
Instances, where the homeowner files a fraudulent claim or inaccurately provides information for policy approval, can also result in the insurance agency canceling the coverage.
In some situations, the insurance company may require a home inspection to provide coverage. The policy can be canceled if the homeowner does not make the required improvements or repairs.
Other reasons for the cancellation of the policy have nothing to do with the homeowner. In these circumstances, the insurance agency or the state may make the decision to cancel the policy, even if the homeowner is current on payments and has done nothing wrong.
Many people throughout our service areas of Hialeah Gardens, Margate, Homestead, Palmetto Bay, Cutler Bay, Hialeah Gardens, North Miami Beach, Coral Gables, Hialeah, Naples, and Miami, FL, are facing insurance cancellation.
These individuals were insured by various providers that are no longer writing policies in Florida. These companies, including Farmers Insurance, serve notice they are pulling out of the state, and they must provide their policyholders with 120 days to find new coverage.
There are also fourteen insurance companies in liquidation in the state, which further narrows the market for those looking for replacement insurance policies. These companies are required to provide written notice to policyholders.
If you receive a cancellation or non-renewal notice, start by shopping the various insurance agencies and getting quotes for coverage. It is also helpful to have inspections on the property, including a four-point inspection and a wind mitigation inspection. A wind mitigation inspection is good for five years, and the inspection of the roof, plumbing, electrical, and HVAC system (four-point) is good for one year.
In the event you cannot find affordable insurance coverage after being dropped, you may qualify for Citizens insurance, although that may not be the best option for long-term coverage.
Let the team at Del Toro Insurance help you find the right homeowners’ insurance for your needs. Reach us online or call us at (305) 335-8676 to get started. We serve homeowners throughout Hialeah Gardens, Margate, Homestead, Palmetto Bay, Cutler Bay, Hialeah Gardens, North Miami Beach, Coral Gables, Hialeah, Naples, and Miami, FL.
The most common reasons are missed premium payments, fraudulent claims or application information, and failure to make necessary repairs to a property. In the last few years, insurance companies pulling out of Florida have also become a reality for many homeowners.
Ensure your premiums are paid in full and on time and consider hurricane mitigation options like hurricane clips and storm shutters as a way to keep and reduce the costs of the policy.
Yes, under specific conditions. The insurance company must provide advanced written notice to the policyholder if they are dropped from coverage.
The specific reasons for the drop in coverage will have a different impact on the ability to get new coverage. Talk to an insurance agent at Del Toro Insurance for the specifics of your coverage options.
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