{"id":243,"date":"2025-03-17T14:52:08","date_gmt":"2025-03-17T14:52:08","guid":{"rendered":"https:\/\/suninsuranceservices.com\/?page_id=243"},"modified":"2025-09-12T01:28:51","modified_gmt":"2025-09-12T01:28:51","slug":"glossary","status":"publish","type":"page","link":"https:\/\/suninsuranceservices.com\/es\/glossary\/","title":{"rendered":"Glosario"},"content":{"rendered":"\n<!-- ========================= FLORIDA INSURANCE GLOSSARY (SEO + UX) ========================= -->\n<!-- Icons (Font Awesome) -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.5.0\/css\/all.min.css\" crossorigin=\"anonymous\" referrerpolicy=\"no-referrer\" \/>\n\n<style>\n  :root{\n    --ink:#1f2937;          \/* text *\/\n    --muted:#6b7280;        \/* secondary text *\/\n    --bg:#ffffff;           \/* page bg *\/\n    --card:#f7f6fb;         \/* card bg (sun\/lavender tint) *\/\n    --accent:#F59222;       \/* Sun Insurance orange *\/\n    --accent-ink:#4A1A5C; 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border-radius:12px; padding:14px 16px; margin:10px 0; }\n  summary{ cursor:pointer; font-weight:800; list-style:none; }\n  summary::-webkit-details-marker{ display:none; }\n\n  \/* Accessibility helpers *\/\n  .sr-only{ position:absolute; left:-9999px; top:auto; width:1px; height:1px; overflow:hidden; }\n<\/style>\n\n<section class=\"glossary-section\" id=\"fl-insurance-glossary\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTermSet\">\n  <meta itemprop=\"name\" content=\"Florida Insurance Glossary\" \/>\n  <h1 class=\"glossary-title\">Florida Insurance Glossary: Home, Auto, Flood &#038; More<\/h1>\n  <p class=\"glossary-subtitle\">\n    Easy-to-understand, Florida-specific definitions for homeowners, condo, renters, flood, and auto insurance (including hurricanes, PIP, UM, and more).\n  <\/p>\n\n  <!-- Search \/ controls -->\n  <div class=\"glossary-controls\" role=\"search\">\n    <div class=\"glossary-search\">\n      <i class=\"fa-solid fa-magnifying-glass\" aria-hidden=\"true\"><\/i>\n      <label for=\"glossary-filter\" class=\"sr-only\">Search glossary<\/label>\n      <input id=\"glossary-filter\" type=\"search\" placeholder=\"Search terms like 'hurricane deductible', 'PIP', 'flood'\u2026\" aria-describedby=\"glossary-count\" \/>\n    <\/div>\n    <button class=\"glossary-reset\" type=\"button\" id=\"glossary-reset\">Clear<\/button>\n  <\/div>\n  <div id=\"glossary-count\" class=\"glossary-count\" aria-live=\"polite\"><\/div>\n\n  <!-- Glossary grid -->\n  <div class=\"glossary-grid\" id=\"glossary-grid\">\n    <!-- Each card is a DefinedTerm with an anchorable id for deep links -->\n    <article class=\"glossary-card\" id=\"coverage-a-dwelling\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"coverage a dwelling homeowners home structure florida wind fire theft\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-home\"><\/i><span itemprop=\"name\">Coverage A \u2013 Dwelling<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Covers the structure of your Florida home against covered perils (e.g., wind, fire, theft). Make sure limits reflect current rebuild costs; consider <a href=\"#replacement-cost\">Replacement Cost<\/a> instead of ACV.<\/p>\n      <meta itemprop=\"url\" content=\"#coverage-a-dwelling\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"coverage-b-other-structures\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"coverage b other structures detached garage shed fence\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-warehouse\"><\/i><span itemprop=\"name\">Coverage B \u2013 Other Structures<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Detached structures (garage, shed, fence). Typically 10% of Coverage A; can be increased if needed.<\/p>\n      <meta itemprop=\"url\" content=\"#coverage-b-other-structures\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"coverage-c-personal-property\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"coverage c personal property contents furniture electronics clothing\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-box-open\"><\/i><span itemprop=\"name\">Coverage C \u2013 Personal Property<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Belongings like furniture, electronics, clothing. Consider a home inventory and <a href=\"#jewelry-scheduling\">scheduled items<\/a> for higher-value property.<\/p>\n      <meta itemprop=\"url\" content=\"#coverage-c-personal-property\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"coverage-d-loss-of-use\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"coverage d loss of use additional living expense ale temporary housing meals\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-utensils\"><\/i><span itemprop=\"name\">Coverage D \u2013 Loss of Use (ALE)<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Pays for temporary housing, meals, and living costs if a covered loss makes your home uninhabitable.<\/p>\n      <meta itemprop=\"url\" content=\"#coverage-d-loss-of-use\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"coverage-e-personal-liability\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"coverage e personal liability injury property damage lawsuit\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-user-shield\"><\/i><span itemprop=\"name\">Coverage E \u2013 Personal Liability<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Protects you if someone is injured or their property is damaged and you\u2019re legally responsible. Consider an <a href=\"\/umbrella-insurance\">umbrella policy<\/a> for higher limits.<\/p>\n      <meta itemprop=\"url\" content=\"#coverage-e-personal-liability\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"coverage-f-med-pay\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"coverage f medical payments guests regardless of fault\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-briefcase-medical\"><\/i><span itemprop=\"name\">Coverage F \u2013 Medical Payments<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Pays minor medical costs for guests injured on your property, regardless of fault.<\/p>\n      <meta itemprop=\"url\" content=\"#coverage-f-med-pay\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"hurricane-deductible\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"hurricane deductible percentage 2% 5% named storm florida\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-wind\"><\/i><span itemprop=\"name\">Hurricane Deductible<\/span> <span class=\"glossary-badge\">FL<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">A percentage (often 2\u20135%) applied to covered hurricane losses. Triggers based on state-defined hurricane events; confirm your policy\u2019s trigger language.<\/p>\n      <meta itemprop=\"url\" content=\"#hurricane-deductible\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"flood-insurance\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"flood insurance nfip private storm surge rising water\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-water\"><\/i><span itemprop=\"name\">Flood Insurance<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Home policies exclude flood (rising water). Buy <a href=\"\/flood-insurance\">NFIP or private flood<\/a> coverage; lenders may require it in FEMA flood zones.<\/p>\n      <meta itemprop=\"url\" content=\"#flood-insurance\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"storm-surge\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"storm surge coastal flooding hurricane\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-water\"><\/i><span itemprop=\"name\">Storm Surge<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Abnormal sea-level rise during storms. Generally not covered by homeowners; requires <a href=\"#flood-insurance\">flood insurance<\/a>.<\/p>\n      <meta itemprop=\"url\" content=\"#storm-surge\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"windstorm-pools\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"windstorm pool state backed citizens depopulation residual market\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-umbrella-beach\"><\/i><span itemprop=\"name\">Windstorm Pools<\/span> <span class=\"glossary-badge\">FL<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">State-backed or residual market options for high wind\/hurricane risk areas. In Florida, see <a href=\"#citizens-property-insurance\">Citizens<\/a>.<\/p>\n      <meta itemprop=\"url\" content=\"#windstorm-pools\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"pip-personal-injury-protection\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"pip personal injury protection florida auto no fault 10000 medical\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-car-crash\"><\/i><span itemprop=\"name\">Personal Injury Protection (PIP)<\/span> <span class=\"glossary-badge\">FL Auto<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Florida auto \u201cno-fault\u201d coverage that helps pay medical expenses (and some lost wages) after a crash, typically up to $10,000, regardless of fault.<\/p>\n      <meta itemprop=\"url\" content=\"#pip-personal-injury-protection\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"uninsured-motorist\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"uninsured motorist um bodily injury hit and run\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-user-injured\"><\/i><span itemprop=\"name\">Uninsured Motorist (UM)<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Covers injuries if you\u2019re hit by an at-fault driver with no liability insurance (or hit-and-run). Consider stacking if you have multiple vehicles.<\/p>\n      <meta itemprop=\"url\" content=\"#uninsured-motorist\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"underinsured-motorist\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"underinsured motorist uim limited liability\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-car-burst\"><\/i><span itemprop=\"name\">Underinsured Motorist (UIM)<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Pays above the at-fault driver\u2019s low limits when your injuries exceed their coverage.<\/p>\n      <meta itemprop=\"url\" content=\"#underinsured-motorist\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"rental-reimbursement\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"rental reimbursement transportation expense temporary vehicle\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-car\"><\/i><span itemprop=\"name\">Rental Reimbursement<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Helps pay for a rental while your vehicle is repaired after a covered loss.<\/p>\n      <meta itemprop=\"url\" content=\"#rental-reimbursement\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"gap-coverage\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"gap guaranteed asset protection auto loan lease acv\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-hand-holding-dollar\"><\/i><span itemprop=\"name\">GAP Coverage<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Covers the difference between your vehicle\u2019s loan\/lease balance and its <a href=\"#actual-cash-value\">ACV<\/a> after a total loss.<\/p>\n      <meta itemprop=\"url\" content=\"#gap-coverage\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"actual-cash-value\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"actual cash value acv depreciation\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-scale-balanced\"><\/i><span itemprop=\"name\">Actual Cash Value (ACV)<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">What property is worth today (depreciated). Often lower claim payout than <a href=\"#replacement-cost\">Replacement Cost<\/a>.<\/p>\n      <meta itemprop=\"url\" content=\"#actual-cash-value\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"replacement-cost\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"replacement cost rcv no depreciation rebuild\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-rotate\"><\/i><span itemprop=\"name\">Replacement Cost (RCV)<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Pays to repair\/replace at today\u2019s prices without subtracting depreciation (subject to limits\/conditions).<\/p>\n      <meta itemprop=\"url\" content=\"#replacement-cost\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"additional-living-expense-ale\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"ale additional living expense hotel meals rental home uninhabitable\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-hotel\"><\/i><span itemprop=\"name\">Additional Living Expense (ALE)<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Hotel, meals, and extra costs if a covered loss makes your home unlivable.<\/p>\n      <meta itemprop=\"url\" content=\"#additional-living-expense-ale\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"deductible\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"deductible out of pocket per claim percentage flat\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-file-invoice-dollar\"><\/i><span itemprop=\"name\">Deductible<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Your out-of-pocket amount before insurance pays. Florida policies often have separate <a href=\"#hurricane-deductible\">hurricane deductibles<\/a>.<\/p>\n      <meta itemprop=\"url\" content=\"#deductible\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"exclusions\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"exclusions what is not covered policy endorsement\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-ban\"><\/i><span itemprop=\"name\">Exclusions<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Losses the policy does not cover unless added by endorsement (e.g., flood, earth movement, wear and tear).<\/p>\n      <meta itemprop=\"url\" content=\"#exclusions\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"water-backup\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"water backup sewer drain sump overflow endorsement\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-toilet\"><\/i><span itemprop=\"name\">Water Backup Coverage<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Adds coverage for water that backs up through sewers\/drains or overflows from a sump\u2014commonly excluded without this endorsement.<\/p>\n      <meta itemprop=\"url\" content=\"#water-backup\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"inland-marine\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"inland marine scheduled property high value in transit\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-truck-ramp-box\"><\/i><span itemprop=\"name\">Inland Marine<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Covers portable\/high-value items (equipment, fine arts) on the go or off-premises.<\/p>\n      <meta itemprop=\"url\" content=\"#inland-marine\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"independent-agent\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"independent insurance agent multiple carriers options\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-user-tie\"><\/i><span itemprop=\"name\">Independent Insurance Agent<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Shops multiple insurers to match your needs and budget. <a href=\"\/quote\">Ask us for a Florida comparison quote<\/a>.<\/p>\n      <meta itemprop=\"url\" content=\"#independent-agent\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"customized-coverage\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"customized coverage endorsements increased limits\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-sliders\"><\/i><span itemprop=\"name\">Customized Coverage<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Endorsements or increased limits tailored to your risk (e.g., short-term rental, home office equipment, golf carts).<\/p>\n      <meta itemprop=\"url\" content=\"#customized-coverage\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"jewelry-scheduling\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"jewelry scheduling appraisal rider coins collectibles\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-gem\"><\/i><span itemprop=\"name\">Jewelry Scheduling<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Lists valuable items (jewelry, watches, collectibles) for higher limits and broader coverage; may require an appraisal.<\/p>\n      <meta itemprop=\"url\" content=\"#jewelry-scheduling\"\/>\n    <\/article>\n\n    <!-- Florida-specific additions to capture search demand -->\n    <article class=\"glossary-card\" id=\"citizens-property-insurance\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"citizens property insurance florida state backed last resort\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-building-columns\"><\/i><span itemprop=\"name\">Citizens Property Insurance (FL)<\/span> <span class=\"glossary-badge\">FL<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Florida\u2019s state-backed insurer for homeowners who can\u2019t find private coverage. Subject to eligibility, surcharges, and depopulation rules.<\/p>\n      <meta itemprop=\"url\" content=\"#citizens-property-insurance\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"wind-mitigation-inspection\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"wind mitigation inspection discounts shutters roof shape clips\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-shield-halved\"><\/i><span itemprop=\"name\">Wind Mitigation Inspection<\/span> <span class=\"glossary-badge\">Discount<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Inspection documenting features (roof shape, clips\/straps, shutters) that can reduce your Florida home premium with credits.<\/p>\n      <meta itemprop=\"url\" content=\"#wind-mitigation-inspection\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"ordinance-or-law\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"ordinance or law code upgrade coverage building code 25% 50%\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-hard-hat\"><\/i><span itemprop=\"name\">Ordinance or Law (Code Upgrade)<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Helps pay the extra cost to bring repairs up to current building codes after a covered loss (often 25% or 50% of Coverage A).<\/p>\n      <meta itemprop=\"url\" content=\"#ordinance-or-law\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"sinkhole-coverage\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"sinkhole catastrophic ground cover collapse florida\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-mountain-sun\"><\/i><span itemprop=\"name\">Sinkhole Coverage<\/span> <span class=\"glossary-badge\">FL<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Florida policies may limit base coverage to \u201ccatastrophic ground cover collapse.\u201d Broader sinkhole coverage can sometimes be added for an extra premium.<\/p>\n      <meta itemprop=\"url\" content=\"#sinkhole-coverage\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"aob-assignment-of-benefits\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"assignment of benefits aob contractors claim rights florida\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-file-signature\"><\/i><span itemprop=\"name\">Assignment of Benefits (AOB)<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">An agreement transferring claim benefits to a contractor. Florida has enacted reforms; review carefully before signing.<\/p>\n      <meta itemprop=\"url\" content=\"#aob-assignment-of-benefits\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"roof-age-requirement\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"roof age requirement florida underwriting shingle metal tile lifespan\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-house-chimney\"><\/i><span itemprop=\"name\">Roof Age Requirement<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Florida carriers often set max roof ages by material (e.g., shingle vs. metal). Older roofs can affect eligibility and pricing.<\/p>\n      <meta itemprop=\"url\" content=\"#roof-age-requirement\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"sr22-fr44-florida\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"sr-22 fr-44 florida financial responsibility high risk dui\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-id-card\"><\/i><span itemprop=\"name\">SR-22 \/ FR-44 (Florida)<\/span> <span class=\"glossary-badge\">Auto<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">Certificates proving financial responsibility after certain violations. FR-44 typically requires higher liability limits than SR-22 in Florida.<\/p>\n      <meta itemprop=\"url\" content=\"#sr22-fr44-florida\"\/>\n    <\/article>\n\n    <article class=\"glossary-card\" id=\"flood-zone-elevation-certificate\" itemprop=\"hasDefinedTerm\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\" data-term=\"flood zone fema elevation certificate ec base flood elevation\">\n      <h3 class=\"glossary-term\"><i class=\"fas fa-map-location-dot\"><\/i><span itemprop=\"name\">Flood Zone &#038; Elevation Certificate<\/span><\/h3>\n      <p class=\"glossary-definition\" itemprop=\"description\">FEMA maps designate flood risk (e.g., AE, X). An Elevation Certificate documents your home\u2019s elevation vs. base flood to help rate flood insurance.<\/p>\n      <meta itemprop=\"url\" content=\"#flood-zone-elevation-certificate\"\/>\n    <\/article>\n  <\/div>\n\n  <!-- CTA -->\n  <div class=\"glossary-cta\">\n    <a href=\"\/quote\" aria-label=\"Get a Florida insurance quote\">Get a Florida Insurance Quote<\/a>\n  <\/div>\n\n  <!-- FAQs (high-intent questions) -->\n  <div class=\"faq\" id=\"fl-insurance-faq\">\n    <h2>Florida Insurance FAQs<\/h2>\n\n    <details>\n      <summary>Does homeowners insurance cover hurricane damage in Florida?<\/summary>\n      <div class=\"glossary-definition\">Yes, wind damage from hurricanes is typically covered, but your <a href=\"#hurricane-deductible\">hurricane deductible<\/a> applies and may be a percentage of your Coverage A limit.<\/div>\n    <\/details>\n\n    <details>\n      <summary>Is flood damage covered by home insurance?<\/summary>\n      <div class=\"glossary-definition\">No. You\u2019ll need separate <a href=\"#flood-insurance\">flood insurance<\/a> (NFIP or private) for rising water, storm surge, and overland flooding.<\/div>\n    <\/details>\n\n    <details>\n      <summary>What is PIP in Florida auto insurance?<\/summary>\n      <div class=\"glossary-definition\"><a href=\"#pip-personal-injury-protection\">PIP<\/a> helps pay medical costs (and some lost wages) for you and certain passengers after a crash\u2014regardless of fault.<\/div>\n    <\/details>\n\n    <details>\n      <summary>How can I lower my Florida home premium?<\/summary>\n      <div class=\"glossary-definition\">Complete a <a href=\"#wind-mitigation-inspection\">wind mitigation inspection<\/a>, keep your roof updated, consider higher deductibles, and ask about discounts (alarm, water-leak sensors, bundle home\/auto).<\/div>\n    <\/details>\n  <\/div>\n<\/section>\n\n<!-- ========================= Interactivity: client-side filter ========================= -->\n<script>\n  (function(){\n    const input = document.getElementById('glossary-filter');\n    const reset = document.getElementById('glossary-reset');\n    const grid = document.getElementById('glossary-grid');\n    const cards = Array.from(grid.querySelectorAll('.glossary-card'));\n    const counter = document.getElementById('glossary-count');\n\n    function norm(s){ return (s||'').toLowerCase().trim(); }\n\n    function update(){\n      const q = norm(input.value);\n      let visible = 0;\n      cards.forEach(card=>{\n        const hay = (card.dataset.term + ' ' + card.textContent).toLowerCase();\n        const show = !q || hay.includes(q);\n        card.style.display = show ? 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Make sure limits reflect current rebuild costs; consider Replacement&hellip; <a class=\"continue\" href=\"https:\/\/suninsuranceservices.com\/es\/glossary\/\">Continuar leyendo<span> Glosario<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","hide_page_title":"enabled","footnotes":""},"class_list":["post-243","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/suninsuranceservices.com\/es\/wp-json\/wp\/v2\/pages\/243","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/suninsuranceservices.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/suninsuranceservices.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/suninsuranceservices.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/suninsuranceservices.com\/es\/wp-json\/wp\/v2\/comments?post=243"}],"version-history":[{"count":25,"href":"https:\/\/suninsuranceservices.com\/es\/wp-json\/wp\/v2\/pages\/243\/revisions"}],"predecessor-version":[{"id":1119,"href":"https:\/\/suninsuranceservices.com\/es\/wp-json\/wp\/v2\/pages\/243\/revisions\/1119"}],"wp:attachment":[{"href":"https:\/\/suninsuranceservices.com\/es\/wp-json\/wp\/v2\/media?parent=243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}