A-701
- Title
- Questions & Answers
- Scale
- NTS
- Rev.
- 2026.10
Questions & Answers
Short answers, carefully qualified.
The questions we are asked most often, answered directly. Each answer is general information about how coverage commonly works (several answers describe Florida law specifically); your policy and insurer determine how it works for you.
A-701.1 Working with Citadel
Working with Citadel
What is private client insurance?
Private client insurance is coverage designed for households with high-value homes, significant collections, and larger liability exposures. Compared with a standard homeowners policy, private client programs typically offer higher limits, replacement-cost valuation based on an appraisal of the home, agreed-value coverage for scheduled valuables, higher umbrella limits, and coordination of homes, autos, and watercraft. Terms vary by insurer and are subject to underwriting.
Is Citadel Insurance an insurance company?
No. Citadel Insurance is an insurance agency: a trade name of Nymble Insurance, a licensed insurance agency based in Tampa, Florida. We advise on coverage and place it with insurers; the issuing insurer provides the coverage and pays claims under the policy.
Where does Citadel work?
Our office is at 400 N Tampa St, 15th Floor, Tampa, Florida 33602. We work with households across the United States, meeting in person, by phone, or by video.
How is Citadel paid?
Like most independent agencies, Nymble Insurance is typically paid by commissions from the insurers with which it places coverage. Commission rates vary by insurer and product, and you may ask about our compensation at any time.
Which insurers does Citadel work with?
We do not list insurers on this site until Nymble Insurance holds direct appointments with them. In a consultation we explain which parts of the market are realistic for your home, including specialist private client insurers, admitted insurers, surplus lines insurers, and flood insurers, and why.
What happens in a private consultation?
A consultation is a conversation by phone or video about your homes, collections, vehicles, and household, and the questions on your mind. If it would help, we review your current policies and explain in plain terms what is working and where the gaps may be. There is no obligation.
Can I buy or change coverage through this website?
No. Coverage cannot be bound, changed, or cancelled through this website or by email until a licensed agent confirms it in writing.
A-701.2 Homes & windstorm
Homes and windstorm
How should the dwelling limit on a high-value home be set?
The dwelling limit (Coverage A) should reflect the cost to rebuild the home to the same quality at current construction prices, not its market value, purchase price, or tax assessment. For custom, historic, and waterfront homes, a professional replacement-cost appraisal is the most reliable basis, reviewed as construction costs change.
What is a hurricane deductible in Florida?
A hurricane deductible is a separate deductible for hurricane losses, usually a percentage of the dwelling limit rather than a flat amount. Florida law (Fla. Stat. §627.701) requires insurers to offer deductibles of 2%, 5%, and 10% of the dwelling limit (and a $500 option, which need not be offered on homes with dwelling limits of $250,000 or more), and the hurricane deductible applies on a calendar-year basis rather than to each storm. On a home insured for $3,000,000, a 2% deductible is $60,000.
What is ordinance or law coverage?
Ordinance or law coverage pays the additional cost of meeting current building codes when a damaged home is repaired or rebuilt. Florida insurers must offer it at 25% or 50% of the dwelling limit (Fla. Stat. §627.7011). Older homes and coastal properties can face substantial code-upgrade costs.
Can a Florida insurer refuse a home because of its roof age?
Under Fla. Stat. §627.7011, an insurer may not refuse to issue or renew a homeowners policy solely because of the age of a roof that is less than 15 years old. For an older roof, the homeowner may have it inspected, and if the inspection shows at least five years of remaining useful life, the insurer may not refuse coverage solely because of roof age.
A-701.3 Flood
Flood
Does homeowners insurance cover flood in Florida?
No. Standard homeowners policies exclude flood. Flood coverage is purchased separately, through the National Flood Insurance Program or a private flood insurer, and an excess flood policy can sit above NFIP limits.
How much flood coverage does the NFIP provide for a home?
For a single-family residence, the NFIP’s maximum is $250,000 for the building and $100,000 for contents. NFIP policies generally take effect after a 30-day waiting period and do not pay additional living expenses. For a high-value waterfront home, excess or private flood coverage is usually needed to approach the home’s value.
Do I need flood insurance if my home is not in a high-risk flood zone?
Flood zones describe relative risk, not certainty, and storm surge and heavy rain can affect homes outside high-risk zones. Lenders require flood insurance in designated high-risk areas, and Citizens Property Insurance Corporation requires its personal residential policyholders to carry flood insurance. Whether to buy it elsewhere is a decision worth making deliberately.
A-701.4 Valuables & liability
Valuables and liability
Is jewelry fully covered by a homeowners policy?
Usually not. Standard homeowners forms apply special limits to theft of jewelry, watches, and furs; in the widely used ISO homeowners form the limit is $1,500 in total. Scheduling items at an agreed value, supported by appraisals, is the common way to insure them properly.
How much umbrella liability coverage is enough?
There is no formula. The right limit reflects your assets and income, the drivers in your household, property features such as pools and docks, watercraft, household staff, rental property, and public profile, weighed against the premium. For many significant households, that analysis leads to limits well above $1 million.
Does an umbrella policy include uninsured motorist coverage in Florida?
Not automatically. Florida’s requirement to offer uninsured motorist coverage applies to primary auto policies, not to umbrella policies (Fla. Stat. §627.727). Some umbrella insurers offer excess uninsured/underinsured motorist coverage as an option.
Are the Insights articles advice about my policy?
No. They are general information about how coverage commonly works, not legal, tax, or financial advice, and not a description of any specific policy. Coverage depends on the insurer and the terms of the policy as issued.
A-701.5 By article
More questions, answered in our articles
Each Insights article ends with its own questions and answers. They are collected here by series.