Timeline and current program
The tool checks whether the deadline, expiring policies, renewal terms, nonrenewal notices, and open carrier questions are together.
Free · No email · Answers stay in your browser
Florida Habitational Renewal Readiness Score
Find the missing files and decisions in an apartment, multifamily, condo association, or HOA insurance renewal packet before the deadline gets tight.
This score measures packet organization. It does not predict carrier approval, price, coverage adequacy, or lender acceptance.
Florida habitational renewal readiness: the short version
- A strong starting packet includes the current policies and renewal offer, property schedule, occupancy records, requested loss runs, roof and inspection files, flood information, lender terms, deadlines, and a proposal comparison.
- Choose apartment/multifamily or condo association/HOA so the score uses the right occupancy, inspection, governance, lender, and quote questions.
- Answer twelve questions about the current program, property schedule, losses, roofs, inspections, flood, lender terms, proposal comparison, and packet ownership.
- The result shows five category scores and a plain-language list of what to collect or assign next. It is not an underwriting score.
Free browser-only self-assessment
Check your Florida habitational renewal packet
Twelve questions. No email gate. Your answers stay in this browser and are not sent to Greene.
Choose apartment or association to see the right occupancy, inspection, governance, lender, and quote questions.
What the score checks
One Renewal Record, Five Places Where Gaps Usually Hide
The score is intentionally simple. Every answer is worth two, one, or zero points. There are no hidden weights and no automated underwriting model behind the result.
Property schedule and occupancy
It checks the SOV or building schedule, values, unit counts, occupancy, rent roll or association records, and management contacts.
Losses, roofs, inspections, and repairs
It asks about loss runs, open claims, roof and system records, photos, applicable reports, recommendations, and completed-work proof.
Wind, flood, and lender requirements
It checks for flood-zone or elevation records, flood policies, lender wording, deductible rules, and evidence deadlines where they apply.
Proposal comparison and packet ownership
It checks whether proposals use the same assumptions and whether each missing item has one owner, one due date, and one final packet.
Owner path
Apartment and multifamily renewal packet
Start with the current policies, SOV, rent roll, loss runs, roofs, system updates, inspections, flood records, lender requirements, and the actual deadline.
Board and CAM path
Condo association and HOA renewal packet
Start with the master policies, building schedule, governing-document insurance responsibilities, loss runs, flood records, and applicable inspection, reserve, repair, lender, and board-decision files.
Renewal packet mistakes
A clean folder can still hide a bad comparison
Document readiness helps the conversation move. It does not replace a policy, coverage, lender, legal, or engineering review.
- Comparing premiums before confirming the buildings, values, limits, deductibles, and requested coverages match.
- Sending an old SOV, roof year, unit count, ownership name, rent roll, or association schedule.
- Waiting for a carrier or lender to discover missing flood, inspection, repair, or mortgagee documents.
- Keeping losses, policies, building records, board files, and recommendations in separate inboxes with no one responsible for the complete set.
- Treating a clean score as proof that the coverage is adequate or that a carrier will approve the account.
Source notes and boundaries
The score asks for records only when they apply
Flood, lender, inspection, reserve, and structural documents vary by property and account. The tool qualifies those requests when they apply, when someone has requested them, or when the record is available.
FEMA flood insurance overviewFEMA Flood Map Service CenterFlorida Statute 718.112 — bylaws and reservesFlorida Statute 553.899 — milestone inspectionsFlorida DBPR condo inspections and SIRS resourcesFannie Mae multifamily insurance requirements
Association responsibilities can depend on current Florida law and governing documents. Lender and carrier requirements vary. Use qualified legal, engineering, lending, and insurance professionals for decisions in their respective fields.
Renewal readiness questions
What the score means—and what it does not
Habitational renewal tools and guides
Florida Habitational Insurance Hub
Choose the apartment-owner, condo or HOA association, property-manager, or complex-property insurance path.
Apartment Renewal Checklist and PDF
Build the owner packet around the SOV, rent roll, losses, roofs, inspections, flood records, lender terms, and quote comparison.
Condo Master Policy Document Checklist
Organize the association's master policies, governing documents, values, flood records, inspections, reserves, and loss runs.
Commercial Property Statement of Values
Use the editable SOV template to organize each building, value, roof, occupancy, income, flood, and lender detail.
Apartment Insurance Lender Requirements
Match written loan requirements with property values, lender wording, rental income, wind, flood, liability, and evidence documents.
Apartment Building Insurance Cost in Florida
Compare renewal ratios, property values, deductibles, wind, flood, loss history, and proposal differences.
Turn the score into a renewal packet review
Send the current policies, schedule, losses, roof or inspection records, flood documents, and lender or board requirements you already have. Mark the rest as missing so the next step is clear.