American Ingenuity has found the following to be the best approach when talking to insurance companies:
Due to the Hurricanes very few companies are selling Florida builder's insurance and Florida homeowners insurance. Florida Dome Owners can purchase insurance through the Florida Residential Causality Joint Association at 1-800-524-9023 or visit Citizens Property Insurance Corporation. Citizens Property Insurance Corporation is the State's homeowners' insurance safety net. It was created by the Legislature in 2002 to offer property coverage to Floridians without private insurance options.The State of Florida requires Insurance Companies to offer reduced rates to homes that have high wind mitigation features. The American Ingenuity dome meets and exceeds these requirements. One of our client's hurricane insurance premium went from $850 to $90 after he had his dome inspected and a Uniform Mitigation Verification Inspection Form was completed by a Qualified Inspector or Certified Builder.
The Insurance Information Institute's web site www.iii.org has a feature where you can find the names of insurance companies in your state. Their web site tool allows consumers to select the state in which they live and the type of insurance they are looking for. It provides a random listing of insurance companies in their state.
Another helpful web site, maintained by the State of Florida, is ShopandCompareRates.
The following are the names of insurance companies that have insured American Ingenuity Domes in the past or were considering insuring our domes. Bear in mind that the companies could have changed their minds or changed ownership and might no longer insure domes. If you have any updated information about other insurance companies or these companies, please email us by clicking on Contact Us.
Citizens Property Insurance Corporation for Florida Residents
Federated National: www.fednat.com/home/contact/ Insured an American Ingenuity dome in Florida in 2013. They are located in Sunrise, Florida. In August of 2014 an owner was tentatively approved, then denied. Per the customer part of the denial was due to it being a dome structure. We are unsure of the full circumstances for the denial; if the denial was done on an individual basis or if it is a regional/ countrywide policy practice. Please contact your local Federated National agent for additional clarification.
USF & G
PREFERRED RISK HOMEOWNERS
FARMERS ALLIANCE MUTUAL INS
STATE FARM INS
CORNER STONE INS
UNIVERSAL PROPERTY & CASUALTY INSURANCE
USAA (Have to be present or past member of the military before you can be a member of USAA)
Blankenship & Associates Insurance Services. The following quote came from Dia Blankenship in January 2011: