FL Insurance Solutions

FL Insurance Solutions

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386-325-2081 call today
http://myflinsurancesolutions.com Both John and Laura grew up in this community and they genuinely care about the people they serve.

The owners of FL Insurance Solutions, Laura Hafner and John Mikell, have been working in the insurance industry for more than 20 years. But in 2011, these two took a leap of faith and purchased what was Harvey Insurance Agency Inc located in Interlachen, FL. Taking this step meant fulfilling a dream to own their own agency and build the type of business that focused on the people they serve. Laura

05/25/2026

Never Forget what today is actually about!!

05/25/2026

🦀 A huge THANK YOU to everyone who made the Blue Crab Festival this weekend such an incredible event! From the organizers and volunteers to the vendors and performers — y’all absolutely crushed it. 👏
We had such an amazing time celebrating with our community, and moments like these remind us exactly why we are so proud to call Palatka our hometown. đź’™
This is what small-town Florida is all about. See y’all next year! 🎉
— The FL Insurance Solutions Family

05/18/2026

In honor of Memorial Day, all FL Ins Solutions offices will be closed on Monday, May 26th.

We take this day to remember and honor the brave men and women who gave everything in service to our country. Their sacrifice is never forgotten.

We'll be back bright and early on Tuesday, May 27th — ready to help you protect what matters most. Wishing everyone a safe and meaningful holiday weekend. 🙏

04/29/2026

🚨 **Florida Homeowners – Pay Attention to This** 🚨

A recent report from Weiss Ratings revealed that several large insurance companies are closing **50% or more of homeowner claims with NO payment**.

Let that sink in.

In Florida alone, the following carriers were listed:

▪️ Citizens Property Insurance – 61%
▪️ State Farm Florida – 53%
▪️ Slide Insurance – 50%

And several national carriers weren’t far behind.

Now—before anyone jumps to conclusions—this doesn’t always mean claims were “wrongfully denied.” Some claims fall below deductibles, some aren’t covered, and some are withdrawn.

**BUT… here’s the real issue 👇**

Most homeowners don’t fully understand:
✔️ What their policy actually covers
✔️ How high their deductible really is (especially hurricane/wind)
✔️ What it takes to get a claim paid

And that’s where people get hurt.

💡 **At FL Insurance Solutions, our job isn’t just to sell you a policy—it’s to make sure you understand it before you ever need it.**

We help our clients:
âś… Choose the RIGHT coverage (not just the cheapest)
âś… Understand deductibles and exclusions
âś… Navigate claims when something happens
âś… Avoid surprises when it matters most

Because the worst time to find out you’re not covered… is AFTER a loss.

📞 If you want a second opinion on your current policy, we’ll review it with you—no pressure.

**Locals helping locals. That’s what we do.**

— FL Insurance Solutions
Call us today 386-325-2081

04/13/2026

🚗 Putnam County drivers — quick question:

If someone hit your car today and they had no insurance, would YOU be covered?

Uninsured motorist coverage is one of the most important — and most overlooked — parts of your auto policy.

Call FL Insurance Solutions and we'll check your coverage in 10 minutes. 📞 386-325-2081

04/10/2026

If your insurance premium keeps increasing with every renewal period… without explanation, you need us!
Bring us what you are working with and we’ll take a look, cut the fluff, and either save you money or make your coverage actually make sense (usually both).
📲 No need to block off your whole day, we can handle most of this without you stepping foot in the office —> (386) 325-2081 or 386-684-4749

04/09/2026

🌊 Living near the St. Johns River is beautiful — but does your home insurance account for it?

Standard homeowner policies do NOT cover flood damage. Many Putnam County homeowners find this out the hard way.

Let's make sure you're protected before the next storm season. Free review — call 386-325-2081.

FL Insurance Solutions | Palatka, FL

04/07/2026

🛡️ Proud to serve Palatka, Putnam County, and all of Florida!

We're your hometown insurance agency — personal service you'd expect from a neighbor, with coverage options that reach across the whole state.

Auto • Home • Commercial

📞 386-325-2081

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Category

Address

922 South SR 19
Palatka, FL
32177

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm