FL Insurance Solutions
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The owners of FL Insurance Solutions, Laura Hafner and John Mikell, have been working in the insurance industry for more than 20 years. But in 2011, these two took a leap of faith and purchased what was Harvey Insurance Agency Inc located in Interlachen, FL. Taking this step meant fulfilling a dream to own their own agency and build the type of business that focused on the people they serve. Laura
04/29/2026
🚨 **Florida Homeowners – Pay Attention to This** 🚨
A recent report from Weiss Ratings revealed that several large insurance companies are closing **50% or more of homeowner claims with NO payment**.
Let that sink in.
In Florida alone, the following carriers were listed:
▪️ Citizens Property Insurance – 61%
▪️ State Farm Florida – 53%
▪️ Slide Insurance – 50%
And several national carriers weren’t far behind.
Now—before anyone jumps to conclusions—this doesn’t always mean claims were “wrongfully denied.” Some claims fall below deductibles, some aren’t covered, and some are withdrawn.
**BUT… here’s the real issue 👇**
Most homeowners don’t fully understand:
✔️ What their policy actually covers
✔️ How high their deductible really is (especially hurricane/wind)
✔️ What it takes to get a claim paid
And that’s where people get hurt.
💡 **At FL Insurance Solutions, our job isn’t just to sell you a policy—it’s to make sure you understand it before you ever need it.**
We help our clients:
âś… Choose the RIGHT coverage (not just the cheapest)
âś… Understand deductibles and exclusions
âś… Navigate claims when something happens
âś… Avoid surprises when it matters most
Because the worst time to find out you’re not covered… is AFTER a loss.
📞 If you want a second opinion on your current policy, we’ll review it with you—no pressure.
**Locals helping locals. That’s what we do.**
— FL Insurance Solutions
Call us today 386-325-2081
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Contact the business
Address
Palatka, FL
32177
Opening Hours
| Monday | 9am - 5pm |
| Tuesday | 9am - 5pm |
| Wednesday | 9am - 5pm |
| Thursday | 9am - 5pm |
| Friday | 9am - 5pm |
