Who we connect you with

One partner, not a list of bidders

There is a common model in this industry where a form submission is sold simultaneously to five, eight or twelve companies, each of which then calls you. It is profitable for the website and miserable for the homeowner, and it is the reason people have learned not to fill in forms.

We do not do that. When you submit a request, your details go to exactly one independent licensed professional — chosen by your ZIP code and by which of the two things you told us you need. There is no auction. Your information is not offered to a panel. It is not resold afterwards to data brokers or marketing lists.

If no appropriate partner covers your ZIP code, we will tell you that instead of routing your details somewhere unsuitable so the referral counts. That happens, and saying so is cheaper than the alternative.

The two kinds of partner

The site captures two very different needs, and they go to two very different professions. Nothing crosses over: an insurance question is never routed to a contractor, and a water emergency is never routed to an insurance agency.

Partners are required to be independent businesses. We do not own them, they do not own us, and no partner has any say in what our editorial pages say. If a partner asked us to soften an article in exchange for volume, the answer would be no — and that is easier to promise honestly when the fee is flat and does not depend on outcomes.

The current partner roster

This is the list the consent language on our form refers to. If a company is not named here, we did not give them your information. The roster is updated whenever a partner is added or removed, and the date at the top of this page changes with it.

Exactly how we are paid

One sentence: the partner pays us a flat fee for each qualifying referral, and that fee is fixed and is not dependent on whether you buy anything.

Unpacking that, because the wording is deliberate:

• Flat. A set amount per referral, agreed in advance. Not a percentage.
• Per referral. Paid when a valid request is passed on and accepted, not when a sale happens.
• Not dependent on whether you buy. We are paid the same if you sign a contract, buy a policy, or end the call after twenty seconds. We receive no commission, no override, and no payment contingent on a sale.
• Never from you. You are not charged anything, at any point, for being connected. The fee does not change the price you are quoted.

This structure exists for a specific reason. Because we are not paid more when you buy, we have nothing to gain from pushing you toward a purchase — and under Florida law we could not steer you anyway. Section 626.112 of the Florida Statutes makes soliciting insurance, including comparing insurance products and advising on insurance matters, something that requires a licence. We do not hold one. So we explain how the programs work, and we hand the actual advising to someone who is licensed to give it.

What gets shared, and what does not

What the partner receives is what you typed into the form, plus the technical record that proves you consented:

• Your first and last name, ZIP code, phone number and email address.
• Which of the three options you selected on the form.
• A timestamp, the page you submitted from, and a record of the exact consent wording you agreed to. This exists to protect you as much as us: it means nobody can later claim you agreed to something you did not see.

What is not shared, and not collected: your address beyond the ZIP code, your Social Security number, your date of birth, your financial or banking details, and your policy or claim numbers. If any caller claiming to be our partner asks for those things during a first contact, treat it as a warning sign and verify their licence before continuing.

Full detail on collection, retention and your rights is in our Privacy Policy, and the opt-out mechanism is at Do Not Sell or Share My Personal Information.

How to withdraw consent

Consent is not a trap and it is not a condition of buying anything. Any one of these works on its own, and takes effect immediately:

1. Reply STOP to any text message you receive.
2. Tell the caller to stop contacting you. Verbally, on the call. That is sufficient, and no written follow-up is required.
3. Use our Do Not Sell or Share My Personal Information form, which also covers deletion requests.
4. Ask the partner directly to delete the details we passed to them. They are contractually required to honour it.

Withdrawing consent with us stops us passing your details on again. It does not automatically erase a relationship you have already started with a partner — for that, tell the partner as well, and they must comply.

How to verify a licence yourself

Do this before you sign anything or let anybody into your home. Both databases are free, public and authoritative, and neither takes more than a minute.

• Insurance agents and agencies — the Florida Department of Financial Services Licensee Search. Search by name, agency name or licence number, and check that the status is valid and the appointment is active.
• Restoration and construction contractors — the Florida Department of Business and Professional Regulation at myfloridalicense.com. Check the licence status, the licence type and that the name on the licence matches the name on the contract you are being handed.
• Insurance companies — the Florida Office of Insurance Regulation maintains public information on companies eligible to write flood coverage in Florida on its flood insurance page.

If a name does not appear in the right database, do not proceed. That single habit prevents most of what goes wrong after a Florida storm.

Common questions

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Related: About & editorial policy · Privacy Policy · Do Not Sell or Share My Personal Information · Terms of Use · Contact us · Get help