Wayne Lucas Insurance

🚗 Florida drivers: If you carry comprehensive coverage, windshield repairs or replacement are often covered with no deductible under Florida law.

A small chip today can become a big crack tomorrow.

Did you know Impact-resistant windows and doors can qualify you for insurance discounts but only if your insurer has a current Wind Mitigation Report.

To receive the full opening protection credit, all exterior openings must be protected. If you've upgraded your home recently, make sure your policy reflects it!

🌊 Did you know?

An Elevation Certificate shows how high your home sits relative to local flood levels. Even 1–2 feet above the Base Flood Elevation could significantly reduce your flood insurance premium.

Some homeowners may be paying more than they need to.

Not all water damage is treated the same.

- Flood water from outside your home requires flood insurance.
- Water backing up through drains or sewers requires a Water Backup endorsement.

In Florida, both are common and they're covered by different policies.