Jaymukund Inc Dba Central Florida Insurance Agency
740 Florida Central Pkwy, Ste 2028, Longwood, FL 32750
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740 Florida Central Pkwy, Ste 2028, Longwood, FL 32750
View this agency's profile to learn more about their services.
2180 W State Road 434, Suite 2150, Longwood, FL 32779
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Longwood residents.
Longwood homeowners pay $5,000+ annually. Get hurricane, flood coverage strategies, windstorm discounts, and Citizens alternatives for Central FL.
Car InsuranceGet Longwood auto insurance quotes and learn Florida's no-fault PIP requirements. Compare rates, find discounts, and understand coverage options for 2026.
While not legally required outside high-risk zones, flood insurance is strongly recommended in Longwood. The city's proximity to the Little Wekiva River, Lake Brantley, and other waterways means flood risk exists even in moderate zones. About 25% of flood insurance claims come from outside high-risk areas, and NFIP policies in low-to-moderate-risk zones often cost just a few hundred dollars annually—far less than the potential thousands in uninsured flood damage.
If you're non-renewed and can't find coverage in the private market, Citizens Property Insurance Corporation will provide coverage as Florida's insurer of last resort. While Citizens is typically more expensive and may have higher deductibles and coverage limitations, it ensures you won't be left without protection. Work with an independent agent who can shop multiple carriers to exhaust private market options before moving to Citizens.
Florida law mandates discounts for specific windstorm mitigation features, with potential premium reductions ranging from 10% to 45%. On a $5,000 annual premium, a 30% discount saves you $1,500 per year. The inspection typically costs $75-150, meaning it can pay for itself in the first year. Features like hurricane straps, impact-resistant windows, and newer roofs with proper wind ratings generate the most significant discounts.
Replacement cost coverage pays to rebuild or replace damaged property at today's prices without deducting for depreciation. Actual cash value pays replacement cost minus depreciation, which can be substantial for older items. For example, a 15-year-old roof damaged in a storm might cost $20,000 to replace, but actual cash value might only pay $8,000 after depreciation. Replacement cost coverage costs more but provides significantly better protection.
Most Florida insurers won't write new policies on homes with roofs older than 15-20 years, and some have reduced that to 10-12 years. If your roof is older, you may face non-renewal or be required to replace it to maintain coverage. However, a recent roof replacement (especially with impact-resistant materials) can actually lower your premiums significantly and make you more attractive to insurers, often qualifying for discounts of 15-25%.
This depends on the damage amount relative to your deductible and potential premium increases. Many Florida homeowners policies now have percentage deductibles (2-5% of dwelling coverage) specifically for hurricane damage, which can be $4,000-10,000 or more. Filing multiple claims can lead to non-renewal or significant rate increases. Generally, only file claims for losses that significantly exceed your deductible and that you cannot afford to cover yourself.
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