FAQ
At Morrow Insurance Group, our team in Lutz, FL has been helping individuals, families, and businesses across the Tampa Bay area navigate their insurance options since 1905. Whether you are comparing flood and homeowners coverage, exploring employee benefits for your small business, or trying to understand what your auto policy covers when you are on the job, we hear the same questions from clients in Lutz, FL, Land O’Lakes, FL, Wesley Chapel, FL, Odessa, FL, and Carrollwood, FL every day. The FAQ section below covers the decisions-stage questions our Hillsborough County clients ask most often before calling our office. If your question is not answered here, our licensed agents are ready to walk you through your options.
Do I need separate flood insurance if I already have homeowners insurance in Lutz, FL or Land O'Lakes, FL?
Yes. Standard homeowners insurance policies do not cover flood damage, and properties in Lutz, FL and Land O’Lakes, FL carry meaningful flood risk given their low-lying terrain and proximity to wetlands in Hillsborough County. Flood insurance is a separate policy, typically issued through the National Flood Insurance Program or a private carrier. Morrow Insurance Group helps Tampa Bay area homeowners review their flood zone designation and choose the right flood insurance coverage to close that gap before storm season.
Does my auto insurance cover me if I use my personal vehicle for work, deliveries, or rideshare in the Tampa Bay, FL area?
In most cases, a standard personal auto policy excludes coverage for accidents that occur while you are using your vehicle for commercial purposes, including deliveries, rideshare driving, or regular business errands. If you drive for work in Hillsborough County or anywhere in the Tampa Bay, FL area, you may need a commercial auto endorsement or a separate commercial vehicle policy. Morrow Insurance Group in Lutz, FL can review your current auto insurance policy and recommend the right coverage so you are protected on and off the clock.
What does windstorm insurance cover that a standard homeowners policy does not in Florida?
Florida homeowners policies increasingly exclude or limit coverage for wind-related damage, especially in coastal and high-risk inland areas of Hillsborough County. A separate windstorm insurance policy covers structural damage to your roof, walls, windows, and attached structures caused directly by wind events, including named storms. For homeowners in Lutz, FL, Odessa, FL, Wesley Chapel, FL, and surrounding Tampa Bay communities, Morrow Insurance Group can evaluate whether your current homeowners insurance leaves a windstorm gap and help you secure the right policy before hurricane season.
What contractors insurance coverages are typically required to pull permits for construction work in Hillsborough County, FL?
Hillsborough County generally requires contractors to carry active general liability insurance and workers compensation coverage before a permit will be issued for most construction projects. Depending on your trade and project type, you may also need a surety bond, commercial auto coverage for work vehicles, and inland marine coverage for tools and equipment. Morrow Insurance Group works with contractors across the Tampa Bay, FL area, including Wesley Chapel, FL, Carrollwood, FL, and Lutz, FL, to assemble the contractors insurance package that meets county requirements and protects your business on every job site.
