Deductible traps to avoid. When you purchase your house and homeowner’s insurance you may have opted for a 5% deductible, but as home value skyrocketed, that deductible has ballooned as well. Are you prepared to pay for it? If not, you may need to get a lower deductible. For instance, if your home was worth … Continue reading “Deductible Traps to Avoid”

Now is the time to start planning for the 2023 hurricane season. Now is the time to take stock of your basic hurricane supplies such as flashlights, first aid kits, etc. Buying a generator in the off-season is much less expensive than right before a storm. Proper planning will help you weather the next storm … Continue reading “Start Planning for the 2023 Hurricane Season Now!”

The clock is ticking on your hurricane claim. Florida residents need to be aware of a significant change in the law you now have only two years to file your hurricane damage claims. This is down from three years. If your insurance company is giving you the runaround it might be time to consult with … Continue reading “The Clock is Ticking on Your Hurricane Claim”

Flooding in Florida, not just for beachfront houses anymore. Inland flooding was a huge problem after Hurricane Ian. Rivers, dozens of miles from the coast were overflowing weeks after the storm. All of Florida is at risk for hurricane damage. Make sure you have adequate coverage. If you’re not sure what coverage you have, get … Continue reading “Flooding in Florida. Not just for Beachfront Houses Anymore.”

What caused the most damage? Was it wind? Was it tornadoes? No, it was flooding, especially storm surge. Many residents who weren’t in designated flood zones suffered catastrophic flooding. Flood insurance is a must for all Florida residents and is quite affordable. If you’re not sure what flood coverage you may have, get a policy … Continue reading “The Worst Hurricane Damage Culprit”

Condo property theft, who pays? If you wake up and find your car stolen or valuables in your car stolen, who is responsible? Most likely the association if the community is gated and/or the association provides security, which is paid from your monthly dues. To be sure the condominium declaration and or the rules and … Continue reading “Condo Property Theft. Who Pays?”

Condo owners, your insurance secret weapon. If you are an owner, make sure you are insured. Even if you don’t have a mortgage. Make sure if you rent that your tenants have renter’s insurance. You do not want to use your own money to pay for property damage that is sudden and accidental due to … Continue reading “Condo Owners! Your Insurance Secret Weapon”

Hurricane damage to condos can leave you homeless. Your association may have insurance for the association property, but you need to be properly insured so you have coverage for the interior structure of your property. Any personal property, and additional living expenses when the association property is damaged or your property’s being repaired You need … Continue reading “Hurricane Damage to Condos can Leave You Homeless!”

Condo shutter secrets you must know. Your association may have insurance for the exterior of your property, but that does not mean you cannot take extra steps to protect your home. Depending on whether you are on a first floor or a higher floor, you may be responsible for shutters, or the association may be … Continue reading “Condo Shutter Secrets You Must Know”

Negligent security is dangerous. If you pay monthly dues to your association for security, you should not be worried, right? Wrong. Make sure you have auto, home, and umbrella insurance. Negligent security can lead to property damage or worse bodily injury. If you think you are the victim of negligent security, consult with an experienced … Continue reading “Why Negligent Security is Dangerous!”