Fifteen sections of landlord preparedness, drawn from three SWFL storm seasons — insurance line-items, tenant letter templates, Florida statute timelines, inspection checklists, vendor commitments, and insurer deadlines. Preview the contents below, then drop your email to download the full PDF.
What the AOI, deductible, wind/hail exclusion, and replacement-cost endorsement actually mean for SWFL carriers.
The four damage categories (wind, water, surge, wind-driven rain) and how each maps onto your policies.
Why a 2%–5% named-storm deductible can dwarf your premium saving — and how to price it in.
A fill-in-the-blanks letter telling tenants what to secure, what you'll handle, and what to do with mail/packages.
Worded for both shelter-in-place counties (Sarasota/Collier) and evacuation counties (Lee/Charlotte/Hillsborough).
3-day pay-or-quit, 7-day cure, 15-day appeal — the deadlines that actually drive your eviction playbook.
Non-payment, lease violation, end-of-term — the writ differences that cost 30+ days when you guess wrong.
15-day letter, interest-bearing accounts, and what triggers forfeiture vs. return.
Palm fronds, roof tiles, screen enclosures, gutters, AC condensers, propane — the ten things insurance adjusters look for first.
Electrical, plumbing, HVAC, drywall moisture — the inspection order that catches hidden damage before mold sets in.
A one-page commitment letter your roofer, tree service, and mitigation vendor sign before June 1 — locks in response time.
The only five numbers SWFL landlords actually need when the power is out and voicemail is full.
A short script for telling tenants why the bill is 2× normal and how to push back on the most common line items.
First Notice of Loss within 24–72 hours, sworn proof of loss at 60 days, and the inspection-request timeline.
Why you file insurance first, FEMA second, SBA last — and the trap if you reverse it.