DLR Insurance Group, Inc.

DLR Insurance Group, Inc. DLR Insurance Group partners with a wide variety of insurance carriers to ensure complete client satisfaction!

05/22/2026

Occasionally, we may have to ask clients if they have had any felonies depending on the company. We have asked the question several times this week. One person was very honest and said, "yes." I had to refer the application to the underwriter with an explanation of the circumstances. Within 20 minutes, I had an approval on the policy.

It is ALWAYS better to be honest on the application, then to have a claim potentially be denied because of misrepresenting your initial answers.

05/14/2026

A construction client asked us how much their insurance would change by accepting a contract. In the investigation phase, we found out that their current insurance would not cover them for what the contract entails. We have to get new insurance now because of it. The client’s question potentially saved them a coverage nightmare! ALWAYS ASK QUESTIONS!

05/07/2026

This post is for our Florida clients. Folks in other states may not know what this is concerning.

A client is getting a new roof. The contractor said the hurricane clips (where the truss sits on the wall) only had two nails in the metal connector and a third was needed for the wind mitigation discount. This is a true statement!

I asked her how much they were charging and she said it was, "$4000 to install the third nail." Typically, that sort of thing should only run about $1000-$2000. We told her to politely decline it and to get a second opinion on that portion of the quote.

Please call us if something does not seem right. That phone call likely saved her thousands of dollars!

05/02/2026

A client asked me yesterday if they should carry flood insurance because their area had faired pretty well in previous hurricanes.

I responded with, "100% of people with uncovered flood claims wished they had purchased flood insurance!"

05/01/2026

Seldom do we recommend changing your hurricane deductible from 2% to 5%. Usually, it does NOT save you that much money. But in an extreme case yesterday, it did.

Obviously, during a hurricane it will be more out of pocket for clients. But, the short term savings may be enough to potentially push clients to accept the risk.

It is not for everyone, but it may be for some!

04/30/2026

During a home insurance claim, we cannot move home carriers until all repairs have been made and the claim is closed!

04/17/2026

Not having insurance on your property, causes a lot of problems. The big one is when getting a loan, it can make the process longer and the cost of insurance much more expensive!

04/10/2026

A client received communication from her flood insurance company telling her that her home was a "Severe Repetitive Loss Property." This is a designation by the FEDERAL GOVERNMENT through FEMA based on losses from flood claims. The insurance company has zero say in it and must send this type of letter out. In the end, it usually results in higher flood insurance premiums because of the losses. Below, is the definition of this type of property.

What is a Severe Repetitive Loss Property?

A Severe Repetitive Loss property is an NFIP-insured building:

-That has incurred flood-related damage for which four or more separate claim payments have been made, with the
amount of each claim (including building and contents payments) exceeding $5,000, and with the cumulative amount
of such claim payments exceeding $20,000; or

-For which at least two separate claim payments (building payments only) have been made under such coverage, with
the cumulative amount of such claims exceeding the market value of the building.

In both instances, at least two of the claims must be within 10 years of each other, and claims made within 10 days of each
other will be counted as one claim.

In determining SRL status, FEMA considers the loss history since 1978, or from the original building's construction if it was built after 1978, regardless of any changes in the ownership of the building

We have sent clients to Chris over the last year or so. We have not heard a single complaint and all of them have said ...
04/09/2026

We have sent clients to Chris over the last year or so. We have not heard a single complaint and all of them have said great things about his work and pricing. Oh, and I was a client too!

Thank you for all of the good work you do for our clients!

When renting one of these, you are always asked weather or not you want the “Insurance” to cover any damages while using...
04/08/2026

When renting one of these, you are always asked weather or not you want the “Insurance” to cover any damages while using it. Some folks think that because they have their own insurance, they are covered and don’t need the insurance! Most policies have specific language that EXCLUDE coverage for vehicles this size. The language usually includes specific weights of the vehicles that would be covered. Our advice is to ALWAYS get the insurance unless you call us first, and we tell you what the policy says.

04/03/2026

I had a conversation with a client yesterday and it had to do with their auto and writing off the lease payments for taxes. While I am not a tax professional and nothing in the post should be construed as tax advice, we did have to address how insurance is affected.

Here are the three questions you should ask yourself:

1. Who is the vehicle titled too?
2. Who has access to the vehicle?
3. Is the vehicle used for business or personal use?

These are the same questions we will ask you and depending on your responses, it will guide us into the correct policy (commercial/personal) to put you in.

Could you have to pay more to be in the correct policy?

ABSOLUTELY!

Could it also mean the difference between a claim getting paid and a claim not getting paid because of use?

ABSOLUTELY!

Address

8470 Enterprise Circle, Ste 300
Bradenton, FL
34202

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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