What is the Florida Habitational Renewal Partner Toolkit?

It is one public resource that helps Florida property managers, community association managers, lenders, mortgage brokers, board advisers, attorneys, inspectors, engineers, and reserve professionals send an apartment owner or association board to the correct renewal-prep lane. It is for commercial residential property, not renters insurance or an individual condo owner's HO-6 policy.

Should a property manager use the apartment lane or the association lane?

Use the apartment and multifamily lane when one owner or ownership group insures rental buildings. Use the condo association and HOA lane when a board or association is responsible for a master-policy program. A manager serving both account types can share this toolkit and let the owner or board choose the matching lane.

Can a lender or mortgage broker share this toolkit with a borrower?

Yes. The toolkit is public and requires no account or email. The borrower should still send the actual written lender requirements, mortgagee wording, evidence deadline, flood determination, loan number, and any program-specific instructions. The toolkit does not override the loan documents.

Does the toolkit replace legal, engineering, inspection, reserve, or lender advice?

No. It organizes insurance documents and handoffs. Governing documents, contracts, current law, written lender instructions, policy forms, board decisions, and the reports and advice of qualified professionals control their respective questions.

Does a complete packet guarantee a quote, renewal, price, or lender acceptance?

No. A complete packet organizes the information insurers and lenders commonly request. The actual renewal, coverage, and price still depend on the property, condition, losses, requested coverage, insurer guidelines, and written lender requirements.

Can I print or save the partner quick guide without giving Greene my email?

Yes. Use the Print Quick Guide button and choose your browser's Save as PDF option if you want a digital copy. The share, copy, and print tools do not ask for an account or email.

Florida apartment and condominium community for habitational renewal planning

Free partner resource · Share or print

Florida Habitational Renewal Partner Toolkit

Give apartment owners and association boards the right renewal resources without mixing owner, board, lender, inspection, and insurance responsibilities into one confused packet.

Built for property managers, CAMs, lenders, mortgage brokers, attorneys, inspectors, engineers, and other Florida property professionals. No document upload is required to start.

Open the Partner Toolkit Check Packet Readiness

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Florida habitational partner toolkit: the short version

Use the apartment and multifamily lane when one owner or ownership group insures rental buildings. Use the condo association and HOA lane for a board's master-policy program.
Share one public link, print the quick guide, or send the owner or board directly to the matching checklist, readiness score, lender guide, SOV template, or renewal resource.
The toolkit organizes documents and responsibility. It does not guarantee coverage, pricing, renewal, market access, legal compliance, engineering acceptance, or lender approval.

One public link. No account or email is required to use the resources.

Start with the ownership structure

Apartment owner or association board?

Both insure commercial residential property, but the documents, decision-makers, inspections, governing responsibilities, and insurance needs are different.

Owner lane

Apartment and multifamily renewal resources

Use this lane for apartment buildings, garden communities, multifamily schedules, duplexes, triplexes, quadplexes, and other rental buildings insured by an owner or ownership group.

Apartment Renewal Checklist

Build the packet around the current policies, SOV, rent roll, loss runs, roofs, inspections, flood records, lender terms, and proposal comparison.

Open checklist

Printable Apartment Checklist PDF

Use the branded checklist in an owner meeting, renewal review, acquisition review, or lender conversation.

Open PDF

Statement of Values Guide and Template

Organize one row per building and label the source of each value, roof detail, occupancy fact, and rental-income figure.

Build the SOV

Apartment Lender Requirements

Match the named insured, mortgagee wording, values, rental income, wind, flood, liability, umbrella, and evidence deadline to the actual loan instructions.

Review lender items

Apartment Cost and Renewal Comparison

Compare premium per unit and per $100 of scheduled value without pretending one statewide per-door price fits every property.

Compare the renewal

Renewal Readiness Score

Run the twelve-question apartment score to identify missing documents, open decisions, and the person responsible for each next item.

Check the packet

Ready to compare pricing?

Start with the property basics. Uploading an existing packet can reduce follow-up, but it is optional.

Check Apartment Pricing Send Renewal Packet

Board and CAM lane

Condo association and HOA renewal resources

Use this lane for a condominium association or HOA master policy, board decision, management handoff, lender request, inspection file, or association renewal presentation.

Condo Master-Policy Document Checklist

Build a board-ready packet with the current master policies, schedules, loss records, flood documents, inspections, governing documents, and proposal notes.

Open checklist

Condo Association Renewal Comparison

Put up to three proposals side by side across property values, deductibles, flood, liability, D&O, crime/fidelity, conditions, and open board questions.

Compare proposals

Printable Condo Checklist PDF

Use the branded document list for board meetings, management handoffs, lender requests, and renewal planning.

Open PDF

Renewal Readiness Score

Run the association score to check board timing, building records, losses, flood, applicable inspections, proposal comparison, and document ownership.

Check the packet

Condo Association Market Outlook

Prepare a board discussion around property, wind, flood or RCBAP, D&O, crime, inspections, reserves, deductibles, and renewal decisions.

Open board guide

Condo Renewal Premium Explainer

Explain what may be behind a large master-policy change before treating the premium alone as the whole renewal story.

Compare the renewal

Association Hurricane Claim Checklist

Keep policies, damage records, emergency work, board decisions, contractor files, and claim communications organized after a storm.

Open claim checklist

Ready to check association pricing?

Start with the board or management contact and property basics. Existing policies and renewal documents can be added when they are ready.

Check Association Pricing

Partner handoffs

Keep Each Professional Focused on Their Role

A better-organized renewal does not require one person to know everything. It requires each document, decision, and professional opinion to reach the same shared record with a clear owner.

Property managers and CAMs

Set the deadline, confirm the owner or board contact, keep the current policies and schedules together, and assign every missing file. Use the apartment path for one owner's rental property and the association path for a condo or HOA master policy.

Clean handoff: Send the owner or board the matching lane link, not a mixed commercial-property document dump.

Lenders and mortgage brokers

Send the actual written insurance requirements, mortgagee wording, evidence deadline, loan number, flood determination, and any program-specific instructions with the property schedule.

Clean handoff: The written loan requirements control. A generic certificate request is not the whole insurance instruction set.

Attorneys and board advisers

Help the client identify the governing documents, approval process, meeting dates, contracts, and legal questions that belong with the insurance review.

Clean handoff: The toolkit organizes insurance questions. It does not replace legal interpretation or board counsel.

Inspectors, engineers, and reserve professionals

Provide the applicable report, recommendation list, repair status, photos, permits, and completion evidence in a form the owner, board, lender, and insurance team can trace.

Clean handoff: The report author controls the technical findings. Greene does not rewrite engineering or inspection conclusions.

Shared renewal timeline

Four moves before everyone starts chasing email threads

Write down the real decision date

Use the earliest renewal, lender, acquisition, refinance, board-meeting, or evidence deadline. Put one person in charge of the calendar.

Choose the correct property lane

Apartment and multifamily owners use the owner lane. Condo associations and HOAs use the board/CAM lane. Do not mix unit-owner HO-6 questions into the master-policy packet.

Assign every open file

Policies, schedules, values, occupancy, losses, roofs, inspections, flood, lender instructions, repairs, and proposal questions need a named owner and due date.

Compare the same assumptions

Before comparing price, confirm the locations, values, limits, deductibles, requested coverages, and evidence requirements line up.

Find the open items

Run the renewal packet score before the deadline gets tight

The browser-only score shows missing documents, open decisions, and next-item ownership. It is not an underwriting score.

Check Packet Readiness

Scope boundary

The source file and the right professional still control

This toolkit helps people organize and hand off insurance questions. It does not change a policy, loan document, governing document, contract, statute, board decision, inspection, engineering report, reserve study, or professional opinion.

Keep applicable reports, written instructions, and current documents attached to the packet. Do not summarize away the terms that another professional must interpret.

Official starting points

Property, association, flood, and lender references

Florida DFS commercial property overview

Florida consumer guidance on commercial property, business income, extra expense, ordinance or law, and policy-form differences.

Florida Statute 718.111

Current statutory text for Florida condominium association powers, duties, and insurance provisions. Counsel should interpret the law for the association.

Florida DBPR condominium inspections and SIRS

State education and resource material for milestone inspections and structural integrity reserve studies.

FEMA Flood Map Service Center

Official starting point for flood maps, map panels, and property-specific flood-zone research.

Fannie Mae Multifamily Guide

One program-specific example of how detailed multifamily insurance, valuation, flood, evidence, and servicing requirements can be.

Freddie Mac Multifamily Guide, Chapter 31

A second program example covering property and liability insurance, valuation, rental income, wind, flood, evidence, and continuing coverage.

Partner toolkit FAQ

Common apartment and association handoff questions

Choose the Property Type, Then Check Pricing

We can start with the property basics. If the current policy, SOV, loss runs, lender requirements, board packet, or inspection files are ready, add them to reduce follow-up.

Check Apartment Pricing Check Association Pricing Call 1-800-252-6885

Greene & Associates Insurance

Florida Habitational Renewal Partner Quick Guide

One handoff sheet for property managers, CAMs, lenders, boards, attorneys, inspectors, engineers, and renewal teams.

1-800-252-6885greeneinsurance.com

Apartment and multifamily owner lane

Use when one owner or ownership group insures rental buildings.

Current policies and renewal offer
SOV or building schedule and values
Rent roll, occupancy, and rental income
Loss runs, open claims, and repair proof
Roofs, systems, photos, and requested inspections
Flood and actual written lender requirements

greeneinsurance.com/resources/florida-apartment-building-insurance-renewal-checklist

greeneinsurance.com/quote/apartment-building

Condo association and HOA board lane

Use when a board or association is responsible for the master-policy program.

Current master policies and renewal proposal
Building schedule and current values
Governing-document insurance responsibilities
Loss runs, open claims, and repair proof
Applicable inspection, structural, reserve, and roof records
Flood, lender, management, and board-decision documents

greeneinsurance.com/resources/florida-condo-master-policy-document-checklist

greeneinsurance.com/quote/hoa

Clean partner handoff

Manager/CAM: Set the date, choose the property type, keep one shared packet, and assign every open item.

Lender: Send the written requirements, mortgagee wording, evidence deadline, loan number, and flood determination.

Attorney/board adviser: Identify the governing documents, approvals, meeting dates, contracts, and legal questions.

Inspector/engineer/reserve professional: Send the actual report, recommendations, repair status, photos, permits, and completion evidence.

Check packet readiness

The free browser-only score identifies missing documents, decisions, and next-item ownership.

greeneinsurance.com/resources/florida-habitational-renewal-readiness-score

Important: Organization does not guarantee eligibility, coverage, price, renewal, placement, legal compliance, engineering acceptance, or lender approval. Current policies, written requirements, governing documents, reports, and qualified professional advice control.