Insurance and Trust

10/17/2026

We’re heading to the 2026 PRMA Summit!

Our team will be attending the Private Risk Management Association Summit in Indianapolis this weekend!

We’re looking forward to connecting with other professionals in the private risk management space, learning from industry experts, and bringing new ideas back to the clients we serve.

Stay tuned for a recap after the conference!
https://www.privateriskmanagement.org/

PRMA is the leading professional association for insurers, brokers, and service providers serving successful individuals and families.

10/12/2026

What Is a 4-Point Inspection?

If you own an older Florida home, you may hear the term “4-point inspection” when shopping for homeowners insurance.

A 4-point inspection for homeowners insurance typically evaluates four major systems of the home:

• Roof

• Electrical

• Plumbing

• HVAC

Insurance carriers may use this information to evaluate the condition and insurability of an older home. However, 4-point inspection requirements vary by insurance carrier, property, and policy.

If you’re buying an older home or shopping for Florida homeowners insurance, it’s helpful to know what documentation your specific carrier requires before assuming a 4-point inspection is necessary.

Understanding the requirements ahead of time can help make the insurance process smoother and avoid unnecessary surprises.

10/09/2026

🍂 Fall is a great time to give your home a quick maintenance check.

Small issues around your home can sometimes turn into bigger, more expensive problems if they’re overlooked.

For Florida homeowners, consider checking:

• Roof and gutters for damage or debris
• Plumbing for leaks or signs of water damage
• HVAC system and filters
• Smoke and carbon monoxide detectors
• Tree limbs that could pose a risk to your home
• Exterior doors and windows for damage or gaps
• Water shut-off locations so you know where to find them in an emergency

Homeowners insurance is there for covered losses, but it isn’t a substitute for routine home maintenance.

Taking a little time to check your home now can help you catch small problems before they become bigger ones later.

10/07/2026

For Florida homeowners, your roof’s age and condition can play an important role in your homeowners insurance options.

When applying for Florida homeowners insurance, insurance carriers may ask for the roof’s age, documentation, photos, or a roof inspection depending on the property and the carrier’s underwriting requirements.

An older roof doesn’t automatically mean you can’t get homeowners insurance, but it may affect which insurance companies are available and what documentation is required.

If you’re buying a home, renewing your homeowners insurance, or shopping for a new policy, knowing your roof’s age and having documentation of its condition can help make the insurance process smoother.

Understanding your roof and your Florida homeowners insurance requirements before you need coverage can help you avoid surprises along the way.

Contact Insurance and Trust to learn more!
813.933.7333

10/01/2026

🍦 2 DAYS TO GO! 🍦

This Saturday, we’re bringing the community together for FREE ice cream, games, prizes, and good company!

Whether you’re an IAT client, a neighbor, a friend, or just looking for something fun to do with the family, everyone is welcome.

📅 Saturday, October 3
⏰ 12–2 PM
📍 Insurance and Trust
https://iat.bz/community-events/

Come by, grab some ice cream, and spend the afternoon with us!
We’ll see you Saturday!

Explore community events hosted and supported by Insurance and Trust. See upcoming events, connect with our team and learn more about our involvement in the Tampa Bay community.

09/30/2026

Insurance is personal.

Behind every policy is something that matters to someone — a home, a vehicle, a business, a family, or a collection they’ve worked hard to build.

At Insurance and Trust, we believe insurance should feel personal, too. Our team is here to help with everything from quoting and policy management to endorsements, renewals, and coverage reviews — while taking the time to explain your options along the way.

We’re proud to be a Tampa-based independent agency, and even prouder of the relationships we’ve built with our clients and community.

09/28/2026

Florida Hurricane Deductibles: What to Know!

Florida homeowners may have more than one deductible on their policy.

Depending on the policy, a hurricane deductible can apply when damage is caused by a qualifying hurricane event. This deductible is typically calculated differently from a flat-dollar AOP (All Other Perils) deductible, which can apply to other covered losses.

Your deductible can also affect your premium. Choosing a higher deductible may help lower your insurance premium, but it also means paying more out of pocket if you have a covered claim.

Take a few minutes to look at your declarations page and identify the deductibles that apply to your home. Understanding these amounts ahead of time can help you know what to expect if you ever need to file a claim.

813.933.7333
https://iat.bz/services/homeowners-insurance/

09/26/2026

One Week Until the IAT Ice Cream Social!

We’re officially one week away!

Join Insurance and Trust on Saturday, October 3, from 12–2 PM for an afternoon of ice cream, games, prizes, and community.

Bring your family, invite a friend, and come enjoy a little time with your neighbors. Everyone is welcome!

Saturday, October 3 | 12–2 PM
813.933.7333
Free ice cream • Games • Prizes • Community

We hope to see you there!

09/23/2026

What Happens When You Request an Insurance Quote?

Getting an insurance quote is about more than plugging a few details into a calculator.

At IAT, we gather the information needed to understand your situation, compare available options, and review the coverage with you so you know exactly what you’re considering.

There can be a lot of moving pieces when it comes to insurance. Our job is to help make those pieces easier to understand and help you feel confident in the coverage you choose.

813.933.7333

09/21/2026

🌧️ Does homeowners insurance cover flooding?