For Florida homeowners

Know what your homeowners policy covers before you need it.

Upload your policy. PolicyScan reads it and explains your limits, deductibles, and hurricane, water and mold terms in plain English, with the questions worth asking your agent.

Get your free snapshot See a sample report

Free, no card required. Takes about two minutes.

Sample report

Full analysis

Example Insurance Co.

Homeowners (HO-3) · Bradenton, FL

Elevated exposure

58 / 100

Dwelling limit: $350,000
Hurricane deductible: $7,000 (2%)
Mold limit: $10,000
Roof: Actual cash value

High · Worth asking your agent

Hurricane deductible is $7,000

Ask: What would it cost to lower my hurricane deductible to a flat amount?

Built by a restoration pro

Made by the owner of a Florida water and mold restoration company who kept meeting homeowners surprised by their policy after the damage.

Private by default

Your file is stored privately, only you can see your reports, and nothing is shared with insurers.

Shows its work

Exclusions come with the policy wording they're based on, so you can check them yourself.

How it works

Three steps, a few minutes

1
Upload your policy
A PDF of your full policy or just the declarations page. A clear phone photo works too.
2
We read every page
PolicyScan pulls out limits, deductibles, endorsements and exclusions, and quotes the wording it found.
3
Get a report anyone can understand
In a few minutes: what's covered, what isn't, what you'd pay in real situations, and the words explained, by email and in your dashboard.

What we look for

The terms that surprise Florida homeowners after a loss

Hurricane deductibles

Often 2% to 10% of your dwelling limit, not the flat amount on your regular deductible.

Slow leaks

Many policies exclude water that leaked for 14 days or more, even if you couldn't see it.

Mold caps

Mold cleanup is frequently limited to $10,000 or less, whatever the size of the loss.

Roof payouts

Actual-cash-value roof endorsements subtract depreciation from an older roof.

Flood

Storm surge and rising water are excluded from standard homeowners policies.

Code upgrades

Ordinance or law coverage decides who pays to bring repairs up to current building code.

For businesses

Built for the people homeowners call first

Restoration companies

Know the coverage before you start the job

• Run the homeowner's policy at intake and see deductibles, water and mold limits in minutes
• Hand them a clear report with your company name, phone and license on it
• Fewer surprises about what they'll owe; tag every report with the job number

$99 /month for 25 jobs · about $3.96 per job

See restoration plans

Property managers

Every property's coverage in one list

• Scan each property's policy at onboarding and again at renewal
• See expiration dates in one place, export to CSV, get reminders 30 days out
• Send owners a branded, plain-English report of their coverage

$79 /month for up to 100 doors, billed yearly · about $0.79 per door

See property manager plans

Pricing

Start free. Pay only for what you use.

Understand your own policy

For homeowners, condo owners, renters and landlords with a property or two. Pay per report; no subscription.

Free Snapshot

$0 one per account

The key facts from your declarations page, in plain words.

Insurer, policy number and dates
Home coverage amount and premium
Short plain-English summary
No card needed

Start free

Full Report

Home Bundle

$34.99 one-time

$11.66 per report

Three full reports: home, flood and auto, or this year's policy vs. last year's.

3 Full Reports to use anytime
Renewal reminder 30 days before each policy expires
Save $9.98 vs. single reports

Secure payment by Stripe. One-time payments; nothing renews.

FAQ

Questions people ask

Is this insurance advice?

No. PolicyScan explains what your document says, in plain English. It doesn't recommend coverage or predict whether a claim will be paid. For that, talk to your insurance company or a licensed agent; the report gives you specific questions to ask.

What should I upload?

The full policy PDF gives the most complete report. The declarations page alone (usually the first one or two pages) is enough for the free snapshot. Your insurer's website or app usually has both.

Which policies does it handle?

It is built for homeowners, condo, renters and landlord policies, with extra attention to Florida terms. It will also read flood, auto and umbrella policies, with less detail.

What happens to my document?

Files are stored privately and encrypted at rest, only you can see your reports, and we never sell or share your data with insurers. We don't use your documents to train AI models. You can ask us to delete everything at any time.

How do business plans work?

Restoration plans are monthly and priced per job; property manager plans are yearly and priced per door. Each includes a set number of Full Reports, your company branding on every report, job or property labels, CSV export and renewal reminders. Need more in a busy month? Add a 10-Report Pack. Cancel anytime from your dashboard.

How accurate is it?

It reads the document closely and quotes the wording it relies on, but AI can misread poor scans or unusual forms. Always check anything important against your policy, and tell us if something looks wrong.

Hurricane season is the wrong time to read your policy.

Find out what yours says now. The snapshot is free and takes about two minutes.

Get your free snapshot