Posts made in September 2017

~Hurricane Claim? We Are Here To Help~

Gulf Coast Underwriters is here for you, even if we are not your current agent. We have in our office a list of every Florida property carrier along with their phone number and website address. In some cases we even have the email address for reporting claims. In most cases for personal lines policies (such as home or auto) the carriers prefer the direct report by insured method while in most cases for commercial (business personal property or building) the loses are reported to the agency and we forward to the carrier.

Here are few common carriers for personal lines that may be helpful for you:

AMICA Insurance 800-242-6422

Avatar Insurance 877-233-3237 option 1

Bankers 800-765-9700 or by email at

Citizens Property 866-411-2742

Edison 888-683-7971

Federated National 800-293-2532

Foremost 800-274-7865 (personal) and 800-435-7764 (commercial)

GEICO 800-841-3000

Heritage Property 855-415-7120 option 1

Olympus 866-281-2242 or by email at

Progressive 800-776-4737

Southern Fidelity 866-674-7342

Southern Oak 877-900-2280

If you have coverage through a carrier not listed and need their phone number please do not hesitate to contact our office.








~Office Closing in advance of Hurricane Irma~

With the approaching storm, Gulf Coast Underwriters will be closing both our Tampa and Merritt Island offices at noon today. Based on the current forecast track and models we will also be closed on Monday. This storm has been and proves to be very unpredictable. The photo above is the Euro model for land impact and is not indicative of where landfall will be. It’s just a projection point right now. No matter where Hurricane Irma makes landfall, every part of the state will be impacted. We want to keep our employees and their families safe and out of harms way. We will re-open on Tuesday to handle claims if conditions permit us to be at the office.

We encourage you to take inventory of your assets, taking photos and videos of your personal and commercial property with comments and details about the items including their cost. Make sure you back up your photos to the Cloud in case we lose power with the storm. This will help with claim reporting and documentation of your losses. Stay safe out there.



Time to Prepare If You Haven’t Already – Hurricane Season

While Hurricane Irma is still over 1,000 miles away it is not time to panic but it is time to prepare. Sharing this information from the NOAA website.

Two keys to weather safety are to prepare for the risks and to act on those preparations when alerted by emergency officials. These are essential pieces to the Weather-Ready Nation.

Refer to the Federal Emergency Management Agency’s (FEMA) for comprehensive information on hurricane preparedness at home and in your community.

Some highlights on how to prepare and take action are available below:

Gather Information

Know if you live in an evacuation area. Assess your risks and know your home’s vulnerability to storm surge, flooding and wind. Understand National Weather Service forecast products and especially the meaning of NWS watches and warnings.

Contact your local National Weather Service office and local government/emergency management office. Find out what type of emergencies could occur and how you should respond.


Keep a list of contact information for reference.

Image of Preparedness Checklist

  • Emergency Management Offices
  • County Law Enforcement
  • County Public Safety Fire/Rescue
  • State, County and City/Town Government
  • Local Hospitals
  • Local Utilities
  • Local American Red Cross
  • Local TV Stations
  • Local Radio Stations
  • Your Property Insurance Agent

Risk Analysis

Online hazard and vulnerability assessment tools are available to gather information about your risks.

Image of an Example Disaster Supply Kit

Plan & Take Action

Everyone needs to be prepared for the unexpected. Your friends and family may not be together when disaster strikes. How will you find each other? Will you know if your children or parents are safe? You may have to evacuate or be confined to your home. What will you do if water, gas, electricity or phone services are shut off?

Supplies Kit

Put together a basic disaster supplies kit and consider storage locations for different situations. Help community members do the same.

Emergency Plans

Develop and document plans for your specific risks.


Quickly Ensure your Home & Property is Secure from Damage


Health & Environment

Follow guidelines to guard your community’s health and protect the environment during and after the storm.


Image of Interstate Traffic in an Evacuation

  • Review the FEMA Evacuation Guidelines to allow for enough time to pack and inform friends and family if you need to leave your home. FOLLOW instructions issued by local officials. Leave immediately if ordered!
  • Consider your protection options to decide whether to stay or evacuate your home if you are not ordered to evacuate.
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  • Determine multiple safe evacuation routes inland.
  • Keep copies of important papers such as identification and insurance policies with you.
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When waiting out a storm be careful, the danger may not be over yet…

Be alert for:

  • Tornadoes – they are often spawned by hurricanes.
  • The calm “eye” of the storm – it may seem like the storm is over, but after the eye passes, the winds will change direction and quickly return to hurricane force.


  • Wait until an area is declared safe before returning home.
  • Remember that recovering from a disaster is usually a gradual process.


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