Obtaining Insurance Without Closing Delays
Obtaining insurance without closing delays shouldn’t be stressful. But one of the most common causes of closing delays in Florida real estate transactions is last-minute insurance issues.
Recently, our team at Florida Insurance Agency had the opportunity to speak with real estate professionals at Better Homes and Gardens about how buyers can secure homeowners insurance without slowing down the closing process. The conversation reinforced something we see every day: early communication and proactive planning make all the difference.
If you’re a homebuyer or real estate agent in Florida, here’s what you need to know to avoid insurance-related closing delays.
Why Insurance Delays Happen Before Closing
In Florida’s insurance market, underwriting requirements are more detailed than in many other states. Inspections, roof age, wind mitigation reports, and prior claims history can all impact approval.
Common causes of closing delays include:
- Waiting too long to start the insurance process
- Older roofs that don’t meet underwriting guidelines
- Missing 4-point or wind mitigation inspections
- Incorrect property information on the application
- Prior claims that require additional review
- Lenders needing specific coverage forms or endorsements
When insurance is handled at the last minute, small issues can turn into major delays.
When Should Buyers Start the Insurance Process?
The best time to begin shopping for homeowners insurance in Florida is immediately after going under contract.
Ideally, buyers should:
- Contact an independent insurance agency right away
- Provide inspection reports as soon as they’re available
- Confirm roof age and major system updates
- Review coverage options before the final week of closing
Starting early gives underwriters time to review the property and prevents last-minute surprises.
How Real Estate Agents Can Help Prevent Insurance Delays
During our discussion with Better Homes and Gardens agents, we emphasized how agents play a key role in keeping transactions on track.
Here’s how agents can help:
- Encourage buyers to contact an insurance agency early
- Verify roof age before listing a property
- Recommend obtaining a 4-point inspection on older homes
- Communicate lender requirements upfront
- Work with an agency that understands Florida underwriting guidelines
Strong communication between the buyer, agent, lender, and insurance advisor creates a smoother path to closing.
Why Working With an Independent Insurance Agency Matters
At Florida Insurance Agency, we represent multiple carriers. That flexibility allows us to:
- Shop coverage options quickly
- Find solutions for homes with unique underwriting challenges
- Secure wind mitigation and inspection credits
- Structure policies to meet lender requirements
- Provide accurate binders and documentation on time
Because we specialize in both personal and commercial insurance throughout Florida, we understand the urgency of real estate timelines and work proactively to prevent delays.
Tips for Buyers in Florida’s Insurance Market
If you’re purchasing a home in Florida, keep these tips in mind:
- Don’t wait until the week of closing to secure insurance
- Be prepared to provide inspection reports
- Ask about wind mitigation credits
- Confirm replacement cost coverage
- Work with a local agency that understands Florida regulations
The earlier insurance is handled, the smoother your closing will be.
Partnering With Local Real Estate Professionals
We’re grateful for opportunities to connect with local brokerages like Better Homes and Gardens to share insights and strengthen partnerships. Real estate transactions involve many moving parts, and insurance should support the process — not slow it down.
When we work together, we create better outcomes for buyers, sellers, and agents alike.
Need Help Securing Insurance Before Closing?
If you’re buying a home or representing a client in Florida, our team is here to help you secure homeowners insurance efficiently and without unnecessary delays.
Contact Florida Insurance Agency today to get started early and keep your closing on schedule.