If you own a Florida condo or you're buying one, there's a gap between what your association's master policy covers and what you're personally responsible for — and many owners don't find out where the gap is until it's too late to fix it. In this episode, host Nicole Saunches sits down with Jill Quinn of Florida All Risk Insurance — a 26-year insurance industry veteran with hands-on experience as a licensed catastrophe claims adjuster (including Hurricane Irma and Hurricane Michael) — to walk through exactly what a condo owner's individual policy needs to cover, line by line, and what's happening in the Florida insurance market right now.

About the Guest

Jill Quinn has spent 26 years in the Florida insurance industry — first as a licensed sales representative with Allstate and AAA, then as a state-licensed claims adjuster handling catastrophe property claims for carriers including State Farm and Tower Hill. She worked the field after Hurricane Irma (2017) and handled pre-litigation claims after Hurricane Michael (2018), later moving to the carrier side as a territorial sales manager overseeing 500+ agents across six Florida counties before returning to sales with Florida All Risk Insurance. Her background spans sales, claims, underwriting, and the carrier perspective — a rare combination in the industry.

Contact Jill Quinn:

• Phone: 727-315-1003
• Facebook: Jill Insures Florida
• Website: floridaallrisk.com

What's Covered (Timestamps Approximate)

• [00:00] Why the gap between the association's master policy and your own coverage matters more in Florida than almost anywhere else
• [01:00] Jill's 26-year path from sales to catastrophe claims adjuster to territorial sales manager
• [04:00] The current Florida insurance underwriting climate — 20+ new carriers, Citizens down to ~2% market share
• [06:00] What people relocating to Florida don't know to ask about (separate policies for separate perils)
• [07:30] Why premiums keep rising even in quiet storm years (rebuild costs, materials, reinsurance — not just storm losses)
• [09:30] Regulatory changes: shrinking claim-settlement timelines and the move away from assignment-of-benefits litigation
• [12:00] Master policy vs. HO6: where the association's coverage ends and yours begins
• [14:00] Flood damage vs. water damage — and why the distinction catches people off guard
• [16:00] Personal liability coverage, explained through a real condo scenario
• [17:30] Medical payments to others vs. liability — what's the difference
• [18:30] Personal property coverage and when to schedule high-value items separately
• [20:00] Additional living expenses (loss of use) — what it reimburses and why to save receipts
• [21:00] Loss assessment coverage: a real example using a hypothetical Hurricane Milton scenario and a $1M association deductible split across 100 units
• [23:30] The #1 misunderstanding that derails condo purchases or catches existing owners off guard
• [24:30] Wind mitigation inspections — how they work and how much they can save a condo unit owner
• [28:30] Buying into a condo building that hasn't completed its state-required milestone inspection

Key Takeaways

• The association's master policy covers the building's structure and common areas. Your own HO6 policy covers your unit's interior finishes, personal property, liability, and loss assessment.
• In a condo, water damage — not fire — is the most common claim, and it's frequently caused by a neighboring unit.
• Loss assessment coverage only responds to assessments tied to a covered loss, not every assessment your association issues — which is why knowing the master policy's hurricane deductible and the association's reserves matters.
• A wind mitigation inspection filed in the unit owner's name (not just the association's) can unlock discounts of $1,000 or more, especially tied to wind opening protection on doors and windows.
• Nearly 3,000 buildings statewide still haven't completed their post-Surfside milestone inspections — and that can affect whether a carrier will even write a policy on a unit in that building.

Related Episodes in This Series

This episode is the third in a three-part series on Florida condo ownership:

1. Florida Condo Financing in 2026: Why Your Mortgage Can Be Denied After You're Approved (with Doug Wagner, CrossCountry Mortgage) Podcast: https://selling-st-pete-with-nicole-saunches.captivate.fm/episode/florida-condo-financing-2026-mortgage-denied/ Blog: https://www.sellingstpetefl.com/posts/florida-condo-financing-in-2026-why-your-mortgage-can-be-denied-after-you-re-approved
2. What Changed Since SB 4D — and the Condo Red Flags Attorneys Actually Watch For (with David Reider, Berlin Patten Ebling) Podcast: https://selling-st-pete-with-nicole-saunches.captivate.fm/episode/what-changed-since-sb-4d-and-the-condo-red-flags-attorneys-actually-watch-for/ Blog: https://www.sellingstpetefl.com/posts/buying-a-florida-condo-in-2026-here-s-the-red-flag-checklist-an-attorney-actually-uses

Coming Up

A future episode with Jill Quinn will cover hurricane deductibles in depth — how they work differently from standard deductibles, why documenting every storm matters even below your deductible, and what buyers relocating to Florida need to know about flood insurance before they start touring buildings.