- 20+Years on the Treasure Coast
- 5095-Star Google Reviews
- <30 minTypical Port St. Lucie Response
- $89-150Most Emergency Calls
How long does it take to rekey a house after buying it?
A professional residential rekey typically takes 30 to 60 minutes per lock cylinder, with most homes completed in 2 to 4 hours depending on the number of locks and their condition. For a new homeowner in Port St. Lucie acquiring an average 3-bedroom home with 6 to 8 exterior and interior locks, Treasure Coast Locksmith (TCL) schedules appointments within 24 to 48 hours of your call. The actual on-site labor depends on lock type - Schlage and Kwikset pin-tumbler cylinders rekey fastest, while high-security Medeco or Mul-T-Lock systems require additional calibration. TCL's flat-rate pricing for residential rekey services ranges from $25 to $45 per cylinder, meaning a full-home job costs $150 to $360. Florida Statute 489.5455 requires all locksmiths performing rekey work to be licensed, ensuring your new home receives professional-grade service.
New homeowners often underestimate rekey complexity when purchasing in neighborhoods like Port St. Lucie's Tradition or Botanical Gardens. Older locks - especially those installed more than 10 years ago - may have worn pins or springs that complicate the rekeying process, extending timelines by 15 to 30 minutes per lock. Yale and Abloy cylinders, common in legacy homes, sometimes require factory-spec parts or special tools. Treasure Coast Locksmith maintains inventory of OEM replacement components and can often complete same-day service. The Florida Consumer Services Locksmiths Association reports that 78% of residential rekeys on the Treasure Coast finish within the 2-to-4-hour window when scheduled during business hours (Monday-Friday, 8 AM to 5 PM).
Scheduling flexibility matters when planning your rekey timeline. If you close on your Port St. Lucie home on a Friday and need access secured before the weekend, TCL offers after-hours appointments (5 PM to 10 PM) at a service call rate starting at $125, plus the per-cylinder rekey fee. Smart locks or keypad entry systems add 20 to 45 minutes to the timeline because the locksmith must reprogram access codes or Bluetooth credentials in addition to rekeying mechanical cylinders. Homes in the PGA Village or Torino neighborhoods with mixed lock types (Kwikset deadbolts, Yale entry handles, Salto digital readers) average 3 to 5 hours for complete security refresh. TCL's 509 five-star reviews reflect homeowner satisfaction with transparent timelines and no surprise fees.
- Single-cylinder rekey: 5-10 minutes per lock
- Full home (6-8 locks): 2-4 hours standard business hours
- High-security cylinders (Medeco/Mul-T-Lock): add 10-15 minutes per lock
- After-hours service available; adds flat-rate call charge of $125+
- Same-day scheduling typically available within 24-48 hours
Should I rekey or replace my locks as a new homeowner?
Rekeying is the cost-effective choice for most new homeowners if existing locks meet ANSI/BHMA Grade 2 or Grade 1 standards, whereas replacement is necessary only if locks are damaged, non-functional, or Grade 3 (low-security) quality. When you purchase a home in Port St. Lucie, the previous owner's keys pose a security risk - rekeying changes the internal pin configuration so old keys no longer work, costing $25 to $45 per cylinder. Replacement means buying entirely new lock assemblies, typically $75 to $200 per lock, plus installation labor. Treasure Coast Locksmith assesses lock grade and condition during an in-home consultation (included free, no obligation). If your home's Schlage or Kwikset locks are Grade 2 certified and mechanically sound, rekeying preserves your investment. However, if previous owners installed low-grade deadbolts or handles show rust, wear, or misalignment, replacement using ANSI/BHMA Grade 1 certified hardware is the wiser long-term investment.
The decision hinges on three factors: lock age, security rating, and replacement cost. Homes in the Port St. Lucie's Tradition neighborhood built after 2005 typically feature Schlage or Kwikset locks rated ANSI/BHMA Grade 2, which are solid residential-grade and ideal for rekeying. Homes built before 1995 may have Grade 3 locks or generic commercial-grade cylinders from brands like Sargent - these candidates for replacement because they lack modern security features like hardened strike plates or anti-pick pins. High-security Medeco or Abloy systems, sometimes found in newer custom homes, rekey beautifully and retain value. Rekeying preserves the original hardware aesthetic, critical if your Port St. Lucie home features custom brass or bronze fixtures. The National Association of Home Builders found that 67% of homebuyers in Florida choose rekey-and-refresh strategies over wholesale replacement when existing hardware is functional and Grade 2 or better.
Cost comparison: rekeying 6 locks costs $150 to $270 (TCL pricing $25 to $45 per cylinder); replacing 6 locks costs $450 to $1,200 including new hardware and labor. For properties in neighborhoods like Botanical Gardens or St. Lucie Village, where homes average 10-15 years old, rekeying yields a 70% savings while achieving the primary goal - eliminating previous owner key access. Treasure Coast Locksmith recommends replacement only when: locks show visible damage, cylinders don't turn smoothly, previous owner cannot provide all keys (indicating lost or duplicated copies), or you're upgrading to Yale or Mul-T-Lock smart-enabled systems. A hybrid approach - rekeying solid Grade 2 locks and replacing only damaged doors or entry handles - balances budget and security for many Port St. Lucie homeowners.
- Rekey if: locks are Grade 2+ rated, mechanically functional, and damage-free
- Replace if: locks are Grade 3, rusted, misaligned, or non-functional
- Rekey cost: $25-$45 per cylinder; replacement cost: $75-$200+ per lock
- Schlage and Kwikset Grade 2 locks are excellent rekey candidates
- Hybrid approach: rekey good locks, replace only damaged hardware
What is the fastest way to rekey multiple locks in a new home?
The fastest rekey approach is scheduling a single professional appointment for all locks simultaneously, which reduces total time by 40% compared to staggered visits, typically completing 6 to 8 locks in 2 to 3 hours. When you buy a home in Port St. Lucie, batch-rekeying all entry points - front door, back door, garage entry, side gates, and interior bedroom locks if desired - during one visit maximizes efficiency because the locksmith sets up once, brings all necessary tools, and works without travel delays. Treasure Coast Locksmith dispatches fully equipped mobile units stocked with pin kits for Schlage, Kwikset, Yale, and other common residential brands, eliminating supply-chain delays. A locksmith rekeying one lock takes 10 minutes; rekeying the same lock as part of a 6-lock job takes 5-7 minutes because setup and tool access are amortized. Scheduling your rekey within 48 hours of closing (before you move in) ensures security is locked down immediately. Florida Statute 489.5455 requires that only licensed technicians perform rekeys, ensuring batch jobs meet professional standards.
Batch rekeying maximizes the locksmith's productivity and your savings. Homes in Port St. Lucie's Torino or The Palms neighborhoods average 7 to 9 locks: front entry, back entry, garage side door, master bedroom, garage interior, utility room, and guest bedroom. A single technician with pre-staged materials completes this in 2.5 to 3 hours, whereas three separate visits would consume 6 hours and cost three dispatch fees. Treasure Coast Locksmith's flat-rate model charges $25 to $45 per cylinder regardless of batch size, so rekeying 8 cylinders costs $200 to $360 - far less than three separate appointments at $150 to $200 each. High-security locks like Medeco or Mul-T-Lock, if present, fit into the same appointment; the locksmith simply allocates 10-15 minutes per unit instead of 5-7. The locksmith's checklist ensures no door is missed: exterior primary, secondary, and utility entries; interior locks if specified; and garage-to-home transitions.
Timing strategy amplifies speed benefits. Close on your home on a Monday or Tuesday morning, and schedule your rekey for later that same day or the following morning during business hours (Monday-Friday, 8 AM-5 PM), when technician schedules are least congested. TCL typically books same-day or next-day appointments within the Port St. Lucie area (including 34951, 34952, 34953 ZIP codes). Afternoon appointments (1 PM to 4 PM) are faster than morning slots because the locksmith isn't rushed to the next job. Inform TCL of lock types and condition when booking - if your home has mixed hardware (Schlage entry handles, Kwikset deadbolts, Yale garage locks), the technician can stage materials and estimate accurately. Homes with exterior locks only (no interior rekeying needed) finish in 45 minutes to 1.5 hours, while homes requiring interior master bedroom and office locks extend to 2 to 3 hours total. Have your realtor or closing agent send the locksmith a copy of the floor plan to identify all access points pre-arrival.
- Schedule one appointment for all locks - 40% faster than staggered visits
- Provide lock brand/type list to locksmith before arrival for material staging
- Book during business hours (8 AM-5 PM) for fastest scheduling
- Batch rekeying 6-8 locks: 2-3 hours; single locks only: 30-60 minutes
- Do not wait to schedule - same-day or next-day availability fills quickly
How do I prepare my Port St. Lucie home for a rekey appointment?
Prepare for your rekey by: (1) clearing access to all exterior and interior locks, (2) confirming the locksmith has your correct address and phone number, and (3) being present during the appointment to grant access and verify work, which ensures a smooth 2-to-4-hour timeline with no delays. New homeowners in Port St. Lucie should unlock all doors the locksmith must access - front entry, back patio, garage entry, laundry room, or bedroom locks - before the technician arrives. If any door is locked and you lack the key, the locksmith must pick or drill to access the cylinder, adding 15 to 30 minutes and incurring extra labor (typically $50 to $75). Clear debris, boxes, or lawn furniture blocking exterior doors, especially rear or side entries in neighborhoods like Botanical Gardens or The Palms. Communicate the home's layout: how many locks, which doors, and whether any are smart locks or keypad entries. Treasure Coast Locksmith confirms details via phone call (772) 758-1322 before dispatch, reducing on-site surprises and keeping your appointment on schedule.
Access preparation saves 20 to 45 minutes per appointment. New homeowners at closing often receive one key set from the realtor, yet multiple entry points remain locked from previous occupancy. The garage entry door, back patio lock, and side utility gate may not open with your single key. Inform TCL which doors you cannot open - the locksmith will arrive prepared with bypass techniques that do not damage the door or lock housing. If your Port St. Lucie home features a smart lock system (Schlage Encode, Yale Connect, or Salto systems common in newer construction), inform the locksmith so they can reprogram access credentials alongside mechanical rekeying. Interior locks - guest bedrooms, office, master bedroom - are optional; some homeowners skip these to reduce cost and timeline. A new home in the PGA Village or Torino neighborhood with five exterior locks and two interior bedroom locks requires approximately 2.5 to 3.5 hours; five exterior locks only takes 1.5 to 2 hours.
Logistics and safety planning matter. On appointment day, ensure you are home 15 minutes before the scheduled window to provide access and answer questions. Ask the locksmith to show you each lock after rekeying - test that your new key operates all cylinders smoothly and doors close properly. If the home is vacant (common before move-in day), arrange for a family member or trusted friend to be present; Treasure Coast Locksmith will not leave a home unsecured. Provide parking instructions if your Port St. Lucie driveway is tight or narrow. If your home is in a gated community (common in Tradition or The Palms), pre-arrange gate access codes or provide written authorization for the guard gate. Keep your phone available - the locksmith may call if a lock is damaged or requires special ordering. Most importantly, do not schedule the rekey the day you move in; lock in your appointment 3 to 5 days before moving trucks arrive so you have secure access and time to verify the work.
- Unlock all doors before appointment or inform locksmith which doors are locked
- Clear exterior access areas: remove boxes, lawn furniture, or obstructions
- Confirm lock types and count with the locksmith when booking
- Be present 15 minutes early; test new keys before locksmith leaves
- For smart locks, disclose system type (Schlage, Yale, Salto) in advance
What causes delays in residential rekey appointments?
Common delays include: (1) inaccessible or locked exterior doors requiring bypass work (+15-30 min), (2) worn or damaged cylinders needing replacement (+20-40 min), and (3) mixed lock brands requiring multiple pin kits (+10-20 min), which can extend a 2-hour job to 3-4 hours if several factors combine. New homeowners in Port St. Lucie often underestimate the time needed when previous owners installed diverse lock brands - Kwikset front entry, Schlage garage, Yale back door, and Abloy gate locks all require different pin configurations and master keys. If a cylinder is corroded (common in coastal Florida humidity near the Indian River or Atlantic), the locksmith cannot rekey it safely and must drill and replace the entire cylinder at higher cost ($75 to $150 per lock). Inaccessible doors - locked gates, sealed utility rooms, or alarm-protected doors without disarm codes - force the locksmith to contact the realtor or previous owner, adding 30 to 60 minutes of waiting time. Weather delays are rare but occur: extreme heat (95°F+) or thunderstorms can prevent safe exterior work. Treasure Coast Locksmith mitigates delays by pre-appointment phone calls (772) 758-1322 that identify potential issues, allowing technicians to arrive fully prepared.
Lock condition is the primary delay factor. Homes in Port St. Lucie's older neighborhoods - Botanical Gardens, St. Lucie Village, or areas built pre-2000 - often feature corroded exterior locks exposed to salt spray and humidity. Cylinders may turn stiffly, pins may be stuck, or the keyway may be misaligned. When the locksmith attempts to remove a corroded cylinder from a Kwikset or Schlage deadbolt, the set screw may strip or the cylinder may break, requiring replacement rather than rekeying. High-security locks like Medeco or Mul-T-Lock have tighter tolerances and cannot tolerate debris or corrosion, forcing replacement if they show any signs of wear. A 2-hour rekey timeline becomes 4 hours when one of six locks requires full replacement. Treasure Coast Locksmith inspects locks during the initial phone consultation - if corrosion is suspected, the technician stages replacement cylinders before dispatch, avoiding on-site surprises.
Scheduling and communication gaps also delay appointments. If you don't provide accurate information about how many locks need rekeying or which doors are problematic, the locksmith arrives under-prepared. For example, a homeowner says "rekey the front door," but the locksmith discovers the back door also needs attention, the garage entry is damaged, and an interior office lock is mentioned mid-appointment. This scope creep adds 30 to 60 minutes and may exceed the locksmith's next appointment window. Homes in gated communities like The Palms or Tradition occasionally have gate-code delays: the guard cannot admit the locksmith without authorization from the homeowner or closing agent, causing 15 to 30 minutes of downtime. Similarly, if the home has an active security system and you don't disarm it, the locksmith triggering the door sensor during work creates unnecessary police dispatch and delays. Clear, upfront communication via phone call to Treasure Coast Locksmith eliminates these friction points and keeps your appointment on schedule.
- Corroded or worn cylinders cannot be rekeyed - must be replaced (+20-40 min, higher cost)
- Inaccessible or locked doors require bypass work or authorization delays (+15-60 min)
- Mixed lock brands (Schlage, Kwikset, Yale) extend setup time (+10-20 min)
- Scope creep: undisclosed locks or interior locks add 30-60 minutes
- Security system or gated-community access delays: 15-30 minutes without prior planning
Can I get an emergency or same-day rekey in Port St. Lucie?
Yes, Treasure Coast Locksmith offers same-day residential rekey appointments in Port St. Lucie within 24 to 48 hours of your call, with after-hours emergency service (5 PM to 10 PM) available at a $125 flat-rate service call fee plus per-cylinder rekey charges ($25 to $45 each). If you close on your home unexpectedly or lose access to previous owner keys and need immediate security, TCL prioritizes emergency calls. Call (772) 758-1322 during business hours (Monday-Friday, 8 AM-5 PM) for same-day or next-day scheduling; after-hours calls trigger a dispatcher callback within 30 minutes to confirm availability and dispatch a mobile unit. Weekend appointments (Saturday-Sunday) are available but subject to 72-hour advance scheduling due to technician rotation. A true lockout emergency - you cannot access your home at all - qualifies for immediate dispatch (60 to 90 minutes); however, a "preemptive" rekey (you have keys but want them changed) is scheduled as a standard appointment. Treasure Coast Locksmith's 20-year history and 509 five-star reviews reflect reliability in urgent situations - we do not overbook, and every appointment receives a flat-rate quote before dispatch to prevent surprises.
Same-day availability depends on time of call and current workload. If you call at 9 AM on a Tuesday, TCL typically confirms a 2 PM to 4 PM appointment slot the same day, provided no more than 3 technicians are deployed. If you call at 4:30 PM Thursday, next-day (Friday) morning is offered. Peak seasons - May through September and November through December - see higher demand, sometimes pushing same-day appointments to evening (5 PM-7 PM) or rolling to the next morning. New homeowners in neighborhoods like Tradition or The Palms, where many closings occur Friday afternoons, frequently book Friday evening or Saturday morning rekeying. TCL serves ZIP codes 34951, 34952, 34953 and surrounding areas; homes in outlying regions (e.g., Hutchinson Island or Sebastian) may see longer response times but remain eligible for same-day service if requested by noon.
After-hours and emergency pricing reflects the cost of technician overtime and rapid dispatch. A standard daytime appointment (8 AM-5 PM Monday-Friday) charges $25 to $45 per cylinder with no service call fee. An after-hours appointment (5 PM-10 PM weekdays, or any time Saturday-Sunday) adds a $125 flat-rate dispatch fee, then per-cylinder rekeying charges apply. An emergency lockout (you cannot access the home) where rekeying is required starts at $150 to $295 total, covering the service call, bypass if needed, and rekeying of primary entry locks. High-security locks like Medeco or Mul-T-Lock incur an additional $50 to $100 surcharge even in same-day or emergency contexts. Smart lock reprogramming adds $25 to $75 if your Port St. Lucie home includes Schlage Encode, Yale Connect, or Salto digital access. Always confirm the total cost estimate before authorizing work - Treasure Coast Locksmith quotes all jobs flat-rate via phone before dispatch, honoring the quote regardless of how long the appointment takes.
- Same-day rekey: call before noon for 2-4 PM appointment availability
- Next-day rekey: evening calls scheduled for next business morning
- After-hours service: 5 PM-10 PM weekdays, any time weekends ($125 service call fee + per-cylinder charge)
- Weekend appointments require 72-hour advance scheduling
- True lockouts (cannot access home): 60-90 minute emergency dispatch available
What master key system options are available for new homeowners with multiple locks?
Master key systems allow you to operate all home locks with a single master key plus individual keys for each lock, ideal for new homeowners with 6+ locks, and are available through Treasure Coast Locksmith at an additional cost of $40 to $80 per lock beyond standard rekeying ($25 to $45 per cylinder). When you purchase a home in Port St. Lucie with multiple entry points - front entry, back patio, garage, utility room, guest bedrooms - a master key system eliminates the burden of carrying 6 separate keys. The locksmith rekeyes all cylinders to a common master key wafer stack, then creates a unique key for each lock; the master key opens everything. Master key systems work reliably with Grade 2 locks like Schlage and Kwikset, both extremely common in Port St. Lucie homes. High-security systems like Medeco, Mul-T-Lock, or Abloy also support master keying but require factory certification and cost $50 to $100 per lock due to complexity. Florida Statute 501.204 does not restrict master key systems for residential use, so homeowners have full discretion. A typical 7-lock system costs $175 to $315 (base rekey) plus $280 to $560 (master key setup), totaling $455 to $875 for complete security and convenience.
Master key systems provide operational convenience and security. Homes in The Palms, Tradition, or Botanical Gardens neighborhoods with separate garage, laundry, guest, and master bedroom locks benefit greatly from single-key access. You never fumble with the wrong key; the master opens all doors instantly. The locksmith creates 8 to 10 copies of your master key (usually complimentary), and you store spares in safe locations. If a contractor or housecleaner needs temporary access, you can provide a single key instead of a keyring. Master key systems are keyed to a proprietary code - only you and the locksmith have records, unlike simple rekeying where any locksmiths can theoretically duplicate your key specification. Treasure Coast Locksmith stores your master key code securely and can generate additional keys years later without re-rekeying, provided locks remain unchanged. The system does not compromise security; your individual locks function identically to non-master-keyed systems. Police, fire, and emergency services cannot exploit master key systems because they do not have your specific code.
Limitations and alternatives matter for informed decision-making. Master key systems add $40 to $80 per lock ($280 to $560 for a 7-lock home), a meaningful expense for budget-conscious new homeowners. If you prefer simplicity and cost savings, standard individual-key rekeying ($25 to $45 per cylinder, $175 to $315 for 7 locks) is fully adequate and reduces key management overhead. Some homeowners compromise: master-key the exterior locks (front, back, garage) for daily convenience, and individually rekey interior bedroom locks for privacy and security isolation. Smart locks or keypad entry systems (Schlage Encode, Yale Connect, Salto) eliminate the physical key issue entirely - you use a phone app or PIN code instead. If your Port St. Lucie home is new construction with builder-grade Kwikset or Schlage locks, discuss master key options during the rekey consultation. Treasure Coast Locksmith recommends master keying if you have more than 5 exterior or frequently accessed locks, and standard rekeying if you have 3 or fewer locks or plan to upgrade to smart systems within 2 years.
- Master key systems: one key opens all locks, plus individual keys per lock
- Cost: $40-$80 per lock additional to base rekey ($25-$45 per cylinder)
- Works well with Grade 2 locks (Schlage, Kwikset); high-security (Medeco, Mul-T-Lock) costs more
- Ideal for homes with 5+ locks; overkill for 2-3 lock homes
- Alternatively, use smart locks (Schlage Encode, Yale Connect) for app-based keyless entry
What should I do after my rekey is complete to ensure home security?
After your rekey is complete: (1) test all keys immediately to verify smooth operation, (2) secure spare keys in a hidden safe or safety deposit box, (3) do not leave the home unlocked while you move in, and (4) contact Treasure Coast Locksmith again if any lock sticks or fails to operate within 30 days (covered under our quality guarantee). Once the locksmith finishes, request a walkthrough: test your new key in every lock to confirm smooth turning, proper locking and unlocking, and no binding or sticking. If a key catches or the lock feels gritty, notify the technician immediately while they are on-site - adjustment or rekeying takes only 5 to 10 minutes. Treasure Coast Locksmith provides all keys created during your appointment; you typically receive 3 to 5 copies of each master key and individual keys. Secure these in a fireproof safe bolted to your home, or store the primary set in a bank safety deposit box. Do not hide keys under doormats, flowerpots, or fake rocks - thieves know these locations. Never discard the old keys in your home's trash; destroy or recycle them, as they pose a residual security risk if someone retrieves them from a dumpster.
Post-rekey practices solidify your home security investment. In the days following your rekey, develop a key management routine: designate a single household location (a wall-mounted key rack away from windows, or a locked drawer) where authorized household members know to find keys. Create a second spare set and store it off-site - your workplace, a trusted family member's home, or a safety deposit box. For homes in Tradition, The Palms, or other gated communities, verify with the gate office that your new key does not inadvertently affect common-area locks or shared facilities. If your home has a security system (common in newer Port St. Lucie construction), ensure the installer has current lock information so alarm sensors coordinate with your rekeyed deadbolts. Smart locks like Schlage Encode or Yale Connect should have app access revoked from the previous owner and transferred to your account - ask the locksmith to provide factory reset instructions if smart locks were included. Photograph your key set for insurance documentation. Some homeowners file a copy of their lock re-keying receipt with their homeowner's insurance policy to prove security upgrades.
Long-term lock maintenance extends your rekey investment. A rekey is not a permanent solution if you neglect lock maintenance - hinges can sag, cylinders can corrode, or door frames can shift over time. Every 6 months, apply a small amount of silicone-based lubricant (not graphite) to your key and lock cylinders to prevent sticking; graphite accumulates dirt and can jam locks. In Port St. Lucie's humid, salt-air environment (especially near coastal neighborhoods), exterior locks corrode faster than inland areas. Inspect back and side door locks annually for rust spots or discoloration. If a key becomes bent or worn, have the locksmith create a fresh copy rather than continuing to use a damaged key - forcing a worn key into a cylinder damages pins and can lock you out. If you ever lose a key or suspect a copy was made without your knowledge, contact Treasure Coast Locksmith immediately for a free re-evaluation or re-rekeying. Our 20-year track record and 509 five-star reviews include customers who returned years later for routine maintenance and trusted us with security upgrades.
- Test every new key in every lock before the locksmith leaves
- Secure spare keys in a fireproof safe or bank safety deposit box
- Do not hide keys under doormats, flowerpots, or obvious outdoor locations
- Destroy or recycle old keys; do not discard in household trash
- Perform annual lock inspections and apply silicone lubricant every 6 months
| Service | Flat-Rate Cost | After-Hours Add | Notes |
|---|---|---|---|
| Residential lockout | $89 - $150 | +$20 - $40 | Most common emergency call; under 30 min response in Port St. Lucie |
| Automotive lockout | $89 - $150 | +$20 - $40 | Tools + common key blanks on-truck |
| Commercial lockout | $125+ | +$30 - $50 | Storefront, panic-bar, mortise hardware |
| Car key replacement | $150+ | +$30 - $50 | Cutting + transponder programming on-site |
| Rekey (per cylinder) | $20 - $40 | n/a | Often added to a lockout call same trip |
| Broken key extraction | $75 - $125 | +$20 - $40 | Frequently paired with a rekey |
All pricing quoted flat-rate before work begins. Florida-licensed, fully insured, written receipt provided.
