Guides
The tracker answers what carriers are doing. These answer what you can do about it. No lead forms, no quotes, no referrals: this site does not sell insurance and takes no money from carriers.
- Your insurance was not renewedIf you just got a notice
What a non-renewal notice actually means, how long you have, and the order to do things in. Start here if you are holding a letter.
- If federal flood insurance lapses December 11
A lapse does not cancel your policy or stop claims. It stops new policies, coverage increases, and renewal offers. What to check before the deadline, and what happened the last two times.
- Can your insurer drop you after a disaster?
What a moratorium suspends, how long the real ones have actually lasted (a year in California, five weeks in Louisiana), and the four things it does not cover.
- Can you even insure that house?
How to check insurability before you are committed, including the CLUE report and what underwriters look at. Cheapest moment to find out is before the offer.
- DIC and wrap policies
A FAIR Plan usually covers fire and little else. This is the companion policy that fills the rest, and how the two fit together.
- The nationwide data call
Regulators collected ZIP-level homeowners data covering 2018 to 2025. What was gathered, and when any of it becomes public.
- Florida's roof deductible
Capped by statute at the lesser of 2 percent of the dwelling limit or half the cost to replace the roof, rejectable in writing, and it does not apply to hurricane damage.
- Will a quiet hurricane season lower your bill?
NOAA is forecasting a below-normal Atlantic season. What actually moved availability this year instead, and why storm count was never the mechanism.
The non-renewal playbook, by state
Deadlines, the residual-market program, and the department to complain to all differ by state. These vary only on facts we have verified for that state; where a statutory detail is not confirmed, they point at the regulator rather than guess.