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Proud Member Of Florida Home Builders Association
Florida projects need a location-specific insurance conversation. Bring the site address, storm plans, and construction schedule, whether you build inland or near the coast.
The statewide Florida building community
The Florida Home Builders Association represents Florida’s homebuilding industry and works on its economic and regulatory environment. Its official website connects visitors with state resources and local home builders associations.
FHBA appears in The Southern Agency’s existing membership directory. This state-level listing is separate from the Okaloosa-Walton county association listing; geography alone does not establish insurance terms for either group.
Insurance considerations
Wind and flood are separate questions
Ask about wind restrictions and deductibles for the exact site. Review flood separately, including materials stored in low-lying areas; inland locations can also have flood exposure.
Storm delays and site protection
Describe how materials will be secured and when work may stop. Review policy conditions, extension needs, and any limits on delay-related costs before storm season disrupts the schedule.
Crews and subcontractors
Bring payroll by trade and details of subcontracted work. Confirm the Florida requirements that apply to your operation rather than relying only on a certificate supplied at the start of a job.
Industries
Florida’s building businesses include new-home builders, project coordinators, and remodelers. Start with the work performed, then add the details of the Florida site.
- Single-Family Home BuilderFor Florida residential builders assessing project values, weather exposures, and the shift from an active site to a completed home.
- General ContractorFor Florida contractors coordinating trades, site protection, and subcontractor requirements under their construction agreements.
- Residential RemodelerFor renovations to Florida homes, with attention to occupied property, existing structures, and materials delivered before installation.
Policy types
Wind, flood, and construction coverage depend on the location and policy form. These guides support a review; they are not an FHBA insurance program or a promise of availability.
- Builders Risk InsuranceReview the Florida address, wind terms, project duration, and storm-protection conditions, including what happens if completion is delayed.
- Commercial Flood InsuranceDiscuss rising-water exposure for the site and stored property, and ask about flood terms without assuming the construction policy includes them.
- General Liability InsuranceDescribe new construction, renovation, and subcontracted work so jobsite claims and completed operations can be reviewed against the policy.
- Workers Compensation InsuranceReview Florida crew duties, payroll, and subcontractor arrangements, and confirm applicable requirements with the people responsible for compliance.
- Inland Marine InsuranceIdentify deliveries, off-site storage, and mobile equipment, including where materials will be kept when a storm approaches the jobsite.
Questions members ask
Do inland Florida projects need a flood discussion?
Yes. Review the actual site and storage locations, drainage, and flood exposure. Distance from the coast alone does not determine whether rising water is addressed by an insurance policy.
Will builders risk pay for every storm delay?
Do not assume so. Covered causes of loss, waiting periods, exclusions, and any delay-related provisions depend on the policy. Ask about extensions if the construction schedule changes.
Is this the same association as BIAOW?
No. FHBA is the statewide Florida organization; BIAOW serves the Okaloosa-Walton building community. The Southern Agency lists both separately. This page does not offer association-specific insurance benefits.
