Homeowner beta · Broward & Miami-Dade
In Florida, your home's paperwork is worth real money.
PaxGuard reads your home's public records and the mail that matters, then tells you in plain words what changed, what's yours to do and what it's worth. Every fact shows its source.
SourcesBroward County Property AppraiserMiami-Dade Property AppraiserFEMA flood mapsUS Census geocoder
Escrow payment set lower than the current figures need.
The account is short by $3,000.00 a year at the current payment.
Know why your payment is about to change.
Send PaxGuard your escrow statement. It checks the servicer's numbers line by line and explains any change in plain words.
Sample statement. A person reviews every finding.
A free account for Broward and Miami-Dade homeowners.
How to read your record
Every fact is drawn the way it's known.
Verified
Drawn solid: a county or permit record confirms it.
Estimated
Drawn dashed: an estimate, and labeled as one.
Not documented
Left open: nothing on file yet. One document closes it.
Your move
Flagged: something only you can do.
Hurricane season · 35 days left
35days left in hurricane season
Storm prep belongs on a sunny day.
Storm Ready lists what your record already proves and what's still left to do, from shutter records to a pre-storm photo walkthrough.
Get startedFlorida programs
Florida pays homeowners who harden their homes.
Three programs worth knowing before the next storm. Each links to the official source.
State grant
My Safe Florida Home
$10,000State maximum
Free wind-mitigation inspections and matching grants for eligible homesteaded homes that harden against storms. Funding opens in cycles — availability varies.
Official program (opens in a new tab)State program
Impact-window sales-tax exemption
Florida's permanent sales-tax exemption on impact windows and doors, applied right at the register. Statewide, no application — keep the receipts.
Official program (opens in a new tab)Inspection form · OIR-B1-1802
Wind mitigation inspection
A licensed inspector documents roof shape, straps, and opening protection on form OIR-B1-1802 — the form carriers read wind features from. What it means for your policy is a licensed agent's call.
Official form (opens in a new tab)
Homeowner resources
Know your records. They're yours.
Primary sources
Everything PaxGuard shows you comes from public records you can verify yourself.
Three terms every Florida homeowner should know
- 4-point inspection
- A snapshot of your roof, electrical, plumbing, and HVAC. Carriers often ask for one on older homes.
- Wind mitigation inspection
- Documents the features that resist hurricane wind on form OIR-B1-1802. It's how a strong roof gets onto paper a carrier can read — what it means for your policy is a licensed agent's call.
- Save Our Homes (SOH)
- Florida caps how fast your homesteaded assessed value can rise. It's why 'assessed' and 'market' differ on your county record.
FAQ
Fair questions.
Is PaxGuard free?
Yes — free during the beta. Your documents remain yours, and you can export or delete them whenever you want.
Where does the data come from?
County property appraiser public records (Broward and Miami-Dade today), FEMA's National Flood Hazard Layer, and the photos and documents you choose to add. Every fact carries its source.
Is this insurance advice?
No. PaxGuard is not an insurance company, agency or advisor, and it doesn't sell or price insurance. What any record means for your policy is your licensed agent's call.
My county isn't live yet — can I still use it?
PaxGuard reads Broward and Miami-Dade records today. Search your address anyway and PaxGuard will say plainly when it has no county match.
What happens when I add photos?
Each photo pins to the spot on your home it documents — which wall, which corner — and becomes dated evidence in your record. Before the first 3D rebuild succeeds, added photos move the capture checklist, not the model; the checklist says exactly what's still needed.