DLR Insurance Group, Inc.

09/17/2026

If you have a side job watching dogs at your home, coverage if the dogs bite someone is excluded. The dog watching is a "commercial" exposure and therefore excluded under your policy!

09/08/2026

ACV( actual cash value coverage) on buildings and investment loans don't usually go together! You need to have "replacement cost" on the structure to qualify for a loan. Updates are key to having the building/home qualify for the replacement cost! Remember, "Documentation is Dynamic!"

09/02/2026

“Auto recalls affected nearly 24 million vehicles in the first half of 2026, more than doubling the number of recalled automobiles year over year and on pace to rack up the largest total in five years.”

The above quote is from an article I read recently. Personally, I’ve had two recalls this year alone!

I post this because there is no reason to NOT get them. Although it might cost you time, they are free! If they are recalling it, there is a problem. Don’t put you or your family in a situation that could have been avoided!

09/01/2026

Investor Clients:

If you are in a partnership, please let us know that. We can use any of the insurance scores for rates. Last week it made about a 10% difference on a rental property!

08/31/2026

A client emailed us and said he was getting rid of his escrow account. He would be responsible for his insurance payments directly. I am not advocating to go in either direction on this particular issue. You do what is best for you!

An escrow account does provide legal protection in the event of the mortgage company is late on the payments. Florida law gives up to 90 days per State Statute to get money to insurers and they have to reinstate back to cancellation date.

On self-payers there is no law. The payment is due at the due date. Some insurance companies allow for several weeks to 30 days to receive payment. Every company is different!

08/28/2026

All home insurance policies have limits for individual pieces of jewelry. The limit can be as low as $500!

A personal articles policy will insure those “heirlooms” in the event something happens to them. We were able to help a client with one this week! If there are pieces you think you need to insure, please call us!

08/21/2026

A company called us to put on a new employee to their commercial auto policy!

The downside was that the future employee made the policy go up by 50% because of that particular employee's driving record. The new person got the job but, is not driving any of the fleet vehicles because of driving history.

Before you say "You're Hired," call us to see if it makes sense for everyone involved!

08/19/2026

08/05/2026

I spoke with an attorney friend of mine and he is involved in litigation concerning an e-bike. New laws were enacted in FL on July 1!

Any e-bike outside of these speed limits and/or greater than 750 watts may need to be registered in FL. Check with the State if you think it pertains to you. It can also affect insurance coverage in the event of an accident! VERY IMPORTANT.

Classifications:

Class 1 E-bike Speed Limit in Florida
Pedal-assist only (no throttle).
Motor assistance up to 20 mph.
Widest access on paths and trails.

Class 2 E-bike Speed Limit in Florida
Pedal-assist + throttle (can propel without pedaling).
Motor cuts off at 20 mph.
Similar access to Class 1 in most areas.

Class 3 E-bike Speed Limit in Florida
Pedal-assist only.
Motor assistance up to 28 mph.
Riders must be 16+.
Allowed on roads and bike lanes, but restricted on many shared paths/trails.

New Laws:

Pedestrian Safety Rules: On shared pathways (not adjacent to roadways, e.g., park trails), yield to pedestrians and give an audible signal (bell, voice, horn) before passing.

Speed Limits Near Pedestrians: On sidewalks or pedestrian-designated areas, do not exceed 10 mph if a pedestrian is within 50 feet.

Shared Path Regulations: Reinforces yield/signal; no broad class bans statewide, but locals can restrict.

New Enforcement & Data: Creates the Micromobility Device Safety Task Force (under DHSMV) to review laws, recommend improvements, and report by October 2026. Requires tracking e-bike crashes/incidents.

08/04/2026

For the 2nd time in past two months, we are dealing with a probate situation on a home we insure.

This can create major headaches for your loved ones when you are gone. A little planning can avoid these long processes. Have the hard conversations with your loved ones while you are here, so they don't have to do it in the legal system!