Editorial Standards
How we research, review, update, and correct the content we publish — written by licensed Florida agents, not anonymous freelancers.
Why we publish this
Insurance is a "Your Money, Your Life" topic. The decisions people make based on what they read online — what limits to carry, what flood zone treatment to ask for, whether a workers' comp class code is right — affect whether a family or a business ends up made whole after a loss.
We treat the content on this site the way we'd want one of our own clients to be treated: with named, accountable authors, real review by license-holders in the relevant specialty, and a stated way to flag mistakes when we make them.
Who reviews our content
Every article is reviewed before publication by the license-holder responsible for that specialty.
Al Greene
Senior reviewer for compliance-sensitive items
Reviews any article that interprets Florida statute, references rate filings, or makes a load-bearing claim about coverage. Final sign-off on hurricane and named-storm content before each season.
Joe Greene
Reviews commercial and business insurance content
Anything tagged business-insurance, contractor-insurance, commercial-property, workers-comp, commercial-auto, surety, cyber, or industry-specific (HVAC, restaurant, trucking, etc.) is reviewed by Joe before publication.
Jenna Greene
Reviews personal lines content
Anything tagged personal-insurance, home, auto, flood, condo, renters, umbrella, or watercraft is reviewed by Jenna before publication. She handles the bulk of personal lines quoting, so what she catches is what would actually trip up a real client.
How we research and source
When an article describes how Florida insurance actually works, the underlying source is typically one of the following. Where a specific statute, filing, or bulletin is doing the load-bearing work, we try to point to it in the article.
Florida Statutes, Title XXXVII (Insurance Code)
Specifically Chapters 624, 626, 627, and 631. We point to a section number when an article rests on a specific statute.
Florida Office of Insurance Regulation (OIR)
Rate filings, market conduct findings, and approved policy forms are pulled from public OIR records.
Florida Department of Financial Services (DFS)
License verification, agent and agency lookups, and Division of Consumer Services bulletins.
National Association of Insurance Commissioners (NAIC)
Cross-state comparisons, market share data, and complaint indices.
FAIA and IIABA bulletins
Trade association summaries of statutory changes, market conditions, and carrier withdrawals — useful for dating events accurately.
Our own claims and quoting experience
When an article describes how a claim is typically handled or how a carrier underwrites a risk, that comes from the work we do every day for clients across Florida.
How we keep content current
- Periodic review of evergreen content: articles that aren't tied to a specific year get revisited as the underlying market or statute shifts. Year-bearing articles (2026 market guides, annual cost ranges) are updated as fresh data points become available.
- Storm season: hurricane, named-storm, flood, and wind-mitigation content is one of the things we look at heading into each Florida storm season.
- Statutory changes: when Florida law meaningfully changes (PIP repeal, Citizens depopulation rules, My Safe Florida Home program updates, surplus lines tax changes, etc.) we revise the affected articles and update their
updatedAtdate. - Carrier-specific changes: when a carrier withdraws from Florida, suspends new business, or has a material rate filing approved, we revise articles that reference them.
- Sitemap dates: the
lastmodvalues in our sitemap reflect the most recent meaningful edit to each page, derived from git history — not file timestamps.
Editorial independence
We're an independent agency that places business with more than 20 carriers. Our editorial recommendations reflect what is, in our experience, the right coverage for the situation described — not which carrier we'd prefer to write the policy for.
When an article mentions a specific carrier by name (Citizens, Progressive, Travelers, etc.), the mention is for context — the carrier's market position, a public rate filing, a documented underwriting practice — not an endorsement.
We don't accept paid placements or sponsored content. No outside party has the ability to commission, edit, or veto an article on this site.
What our content is not
The honest scope of what a published article can do for you.
We don't quote binding rates online.
Premium ranges in our cost articles are typical of the Florida market for the conditions described. Your actual rate depends on underwriting and only becomes binding on a real quote.
We don't predict claims outcomes.
Coverage examples illustrate how a policy generally responds, not how your specific carrier will adjudicate a specific claim. The policy form and the facts of the loss control the outcome.
We don't substitute for legal or tax advice.
Articles touching on liability, contracts, business structure, or tax treatment are general background. For advice on your situation, talk to a Florida attorney or CPA.
We don't recommend specific coverage without knowing you.
Recommendations in our content are baseline — what most Florida clients in similar situations carry. The right answer for you depends on your assets, your risks, and what you're trying to protect. That's a conversation, not a blog post.
Corrections policy
If you find an error in something we've published — a mis-cited statute, an outdated rate range, a wrong characterization of how a carrier handles a risk — tell us and we'll fix it.
Email joe@greeneinsurance.com with the article title in the subject and the specific passage you're flagging.
Material errors — anything that could lead a reader to a wrong coverage decision — are corrected and the article's updatedAt date is refreshed so the change is visible in the sitemap and in any cached copies search engines hold. Typos and clarifications are fixed silently.
We don't run a help desk for the website, but Joe reads the inbox and will get back to you as soon as we can verify what needs to change. Anything that could be safety- or claims-critical jumps the queue.