If you tried driving anywhere near the Brooks Bridge earlier this month, you already know the story. What should have been a quick 30-minute errand across Fort Walton Beach/Okaloosa Island/Destin …
Navigating Florida Flood Insurance: Why Shopping Around Matters More Than Ever
When it comes to protecting property in Florida, standard homeowners insurance policies notoriously leave out one major hazard: flood damage. Whether you are breaking ground on a new construction …
Received a Citizens Depopulation Notice? Here’s What to Do Next
Citizens Property Insurance Corporation (often called Citizens Insurance) is a state-run, nonprofit insurance company created by the Florida Legislature in 2002. It was designed to provide property …
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The National Flood Insurance Program Has Lapsed – Here’s What That Means for You as a Florida Homeowner
As of October 1, 2025, the National Flood Insurance Program (NFIP) has officially lapsed due to a federal government shutdown. That means many Floridians who depend on NFIP for flood coverage may …
Does Homeowners Insurance Cover Flooding in Fort Walton Beach?
Living in Fort Walton Beach, Florida, comes with many benefits—sunshine, beautiful coastlines, and a vibrant community. But for homeowners in our area, there’s also a unique risk: flooding. Whether …
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Flood Insurance Questions Answered: Do I Really Need It in Florida?
At Harris Insurance, one of the most common conversations we have with clients is about flood insurance. Many Florida homeowners are surprised to learn that their property may be more vulnerable than …
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