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Del Toro Insurance
July Del Toro Insurance linkedin

One of our Managers at Del Toro Insurance has just joined to our Distinctive Franchise System becoming in the owner of her own business !!! Congratulations on this great partnership!!.

July Del Toro Insurance linkedin

A Friday 12th of wonderful news!! A new franchisee joined our Distinctive Franchise System. The Chilean Community Welcome to the Del Toro family!.

July Del Toro Insurance linkedin

On the eve of July 4, what better news than continuing to expand our Distinctive Franchise System in West Palm Beach. Welcome to the Del Toro family.

June Del Toro Insurance linkedin

Second new franchisee of this blessed Tuesday, join our Distinctive Franchise System. Welcome to the Del Toro family.

June Del Toro Insurance linkedin

Another new franchisee has joined right now to our Distinctive Franchise System. Welcome to the Del Toro family.

June Del Toro Insurance linkedin

Just a few minutes ago, a new franchisee joined our Distinctive Franchise System. The Ecuadorian community welcomes the Del Toro family.

June Del Toro Insurance linkedin

The family continues to grow, minutes ago other new franchisees have just joined our Distinctive Franchise System. Welcome to Del Toro family.

June Del Toro Insurance linkedin

Today, as part of our participation in the Annual Convention of the Florida Association of Insurance Agents (FAIA) held in Orlando, Del Toro Insurance held a seminar this morning to promote the growth of the insurance industry through franchises. Entrepreneurs and business owners participated in the event.

May Del Toro Insurance linkedin

Taking a big step and adding new services, two entrepreneurial businesswomen join our family. Welcome Gordon & Oropeza to Del Toro Insurance family.

Del Toro Insurance Youtube

Del Toro Insurance

Fomentando el camino hacia la industria de los seguros

América TV captó todo lo que fue el fórum y la celebración de los 25 años de Del Toro Insurance. Con Del Toro Insurance tienes todo lo que necesitas para estar bien asegurado y además crecer profesionalmente con tu propia franquicia. Si eres emprendedor y quieres asegurar tu futuro empresarial con una marca consolidada!! Esta es tu oportunidad, completa el formulario y uno de nuestros agentes se estará comunicando contigo con todas las dudas que tengas para emprender tu negocio.

Annual Convention of the FAIA
June, 2024

Del Toro Insurance 25th Anniversary

Del Toro is a family business and that has defined much of the path it has traveled to this day. The main reason for starting out in this industry has been to contribute to a community that needs us and with which we feel an eternal commitment. Growth would not have been possible without the support and permanent exchange with our community whom we have tried to serve with immense respect.
On the other hand, we have tried to provide a service that is also deeply rooted in family values because we consider that targeting the well-being of families in a society that is transforming day by day is essential. We have simply delivered transparency, honesty, trust and loyalty, which I believe have really been the key to being able to treasure the preference of our clients over the years.
Time really passes very quickly. We began our journey in a small office located in the west of the county. Today we are a solid company with a commercial presence throughout the state of Florida and an increasingly large group of franchisees who have opted to be part of the Del Toro family, making our business model their own. To our pride, the vast majority have been families that have turned to entrepreneurship and that, today, replicate those values of transparency, honesty, trust and loyalty to their clients.

Homeowners Insurance Florida

Cases of Homeowners Insurance Fraud in Florida Have Skyrocketed

Sep 23, 2023

A darker trend has emerged beneath the surface in the Sunshine State of Florida, where warm beaches and vibrant culture meet. A startling surge in homeowners insurance fraud has shadowed the picturesque landscape.

As the palm trees sway in the balmy breeze, a different kind of storm is brewing—one fueled by deceit, manipulation, and the quest for ill-gotten gains. This alarming rise in fraudulent claims paints a puzzling picture of paradise, where even the tranquil abodes are not immune to the lure of illicit schemes. Read on to find out.

What Common Methods Do Fraudsters Use to Commit Homeowners Insurance Fraud in Florida?

Fraudsters employ a range of cunning methods to exploit homeowners insurance in Florida. One prevalent tactic involves inflating property damage claims following natural disasters like hurricanes or floods. They might submit doctored or exaggerated repair invoices, seeking reimbursement for nonexistent or unrelated expenses.

Another ploy is staging fake accidents within the insured property, like slip-and-fall incidents, to claim compensation for supposed injuries. Some fraudsters deliberately cause damage to their own homes, passing it off as accidental to cash in on insurance payouts.

Occupancy fraud is rampant, where property owners falsely declare a vacant home as their primary residence to secure lower insurance rates. Additionally, criminals might engage in “paper disasters,” fabricating losses by claiming items were stolen when they were never owned.

Impact on Honest Homeowners: Balancing Premium Costs and Coverage Options in Florida

The aftermath of homeowners insurance fraud wields a double-edged impact on authentic policyholders in Florida. Escalating fraudulent claims surge home insurance rates, with insurers increasing prices to counter losses, unjustly burdening sincere homeowners.

Furthermore, insurance fraud trims coverage alternatives. Insurers, cautious of risk, restrict offerings in defined regions or for specific risks, leaving genuine policyholders insufficiently guarded against tangible hazards. A significant driver of elevated homeowners insurance rates in Florida is the continually escalating homeowners insurance fraud issue, intricately weaving into the challenges of pricing equity and comprehensive coverage.

What Steps Should a Homeowner Take if they Suspect Their Insurance Claim Is Being Wrongfully Denied Due to Fraudulent Activity?

If a homeowner suspects that their insurance claim is being wrongfully denied due to fraudulent activity, there are several steps they can take:

  • Review the Denial Letter: Carefully read the denial letter provided by the insurance company. Understand the reasons for the denial and the specific policy provisions cited.
  • Gather Evidence: Collect all relevant documentation related to your claim, such as photos, receipts, invoices, and any communication with the insurance company.
  • Contact Your Insurance Company: Reach out to your insurance company to discuss your concerns and seek clarification on the denial. Ask for a detailed explanation of their decision.
  • Consult an Attorney: If the denial persists, consider seeking legal advice from an attorney who specializes in insurance law, such as experts from Del Toro Insurance. They can help you understand your rights and options.
  • File a Complaint: If you still feel your claim is being wrongfully denied, you can file a complaint with your state’s insurance regulatory agency. They can investigate the matter and mediate between you and the insurance company.

Taking these steps, including consulting professionals from Del Toro Insurance, can help you navigate the complex process of addressing a wrongfully denied claim due to fraudulent activity.

What Are the Legal Consequences for Individuals Caught Committing Homeowners Insurance Fraud in Florida?

In Florida, homeowners insurance fraud is a serious offense with potentially severe legal consequences. Individuals caught committing homeowners insurance fraud can face various criminal and civil penalties, including:

  • Criminal Charges: Insurance fraud is a criminal offense in Florida and can result in felony charges. Depending on the severity of the fraud, individuals may be charged with different degrees of insurance fraud, such as third-degree, second-degree, or first-degree felonies.
  • Criminal Record: A conviction for insurance fraud will result in a criminal record, potentially affecting future employment opportunities and other aspects of the individual’s life.
  • Civil Penalties: In addition to criminal consequences, individuals may be subject to civil lawsuits from insurance companies seeking to recover their losses due to fraudulent claims.
  • Loss of Insurance Coverage: Fraudulent activity can lead to the cancellation or non-renewal of insurance policies, making it difficult for individuals to obtain coverage in the future.


As the sun sets over the mosaic of Florida’s diverse landscapes, the battle against homeowners insurance fraud remains ever-present. From the vibrant streets of Hialeah Gardens to the tranquil corners of Homestead, this issue casts its shadow, affecting not only insurance companies but also the genuine policyholders of Margate, Palmetto Bay, Cutler Bay, and beyond.

It’s a reminder that fraud’s ripple effect touches the heart of communities—North Miami Beach, Coral Gables, Hialeah, Naples, and Miami—as they collectively strive to preserve the sanctity of their homes and neighborhoods amidst the dynamic backdrop of the Florida real estate market. Together, we can shine a light on the shadows and safeguard the true essence of Florida’s vibrant and varied tapestry.

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