When you purchased your home this year, you inherited the seller's exemption status for the current tax year. It is with people who have no mortgage.If you have a mortgage, lenders require you to have homeowners, and in some cases, flood insurance. Florida law requires that your insurance company provide a certified copy of the policy within 30 days of your request. If your Claim is Denied. Property owners in Florida may be eligible for exemptions and additional benefits that can reduce their property tax liability. If you are unsure of how to reply to a proof of loss request, consult with a qualified Broward County property insurance lawyer immediately. (a) The STANDARD N.A.P. File: No later than the submission date for the initial tangible personal property assessment roll. A life insurance policy, annuity contract, or individual retirement account payable to a beneficiary may not be a probate asset. Your typical policy will not provide coverage if the water is a consequence of an event that occurs outside your house.