Last updated: April 23, 2026
Your 45-Day Countdown: What Happens Each Week
Most Florida homeowners read the non-renewal notice, set it aside, and assume they have plenty of time. They don't. The 45-day window shrinks fast once you factor in inspection requirements, underwriting review, and the time it takes to compare quotes across multiple carriers. Here is exactly what you should be doing — and what is happening behind the scenes — during each phase of that window.about
Days 1–7
Confirm & Act Immediately
Read the notice carefully and write down the exact policy expiration date — not the notice date. Call a licensed Florida agent the same week. Your lender has already been notified and is watching the clock. Request quotes from at least three carriers. High-risk properties (coastal, older roofs, prior claims) need extra lead time.
Days 8–21
Compare & Bind Coverage
Review quotes with your agent. Understand what each policy covers — dwelling replacement cost, personal property, liability, and loss of use. Some carriers require a 4-point inspection or wind mitigation report before binding. Schedule those inspections now, not in week 4. Binding coverage in this window gives you the most options and the best rates.
Days 22–35
Finalize & Notify Your Lender
Once you bind a new policy, send the declarations page to your mortgage servicer immediately. Do not assume they will see it automatically. Confirm in writing that the new policy is on file and that no force-placed coverage will be initiated. Keep a copy of the confirmation.
Days 36–45
Danger Zone — Options Narrow
If you have not bound coverage by day 35, your options are narrowing. Some standard carriers will not write a policy with fewer than 10 days before a prior policy expires. Citizens Property Insurance may still be available as the state-backed insurer of last resort. Call immediately — do not wait for the expiration date.