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In Florida, door-to-door roofers offering free roof inspections after storms are a common sight, but not all of them have your best interests in mind. Roofing scams can leave homeowners dealing with unnecessary repairs, inflated insurance claims, or shoddy workmanship. Protecting yourself from these tactics is essential—especially after a major storm when you’re already vulnerable. …
That’s a good question. Your Florida roof is probably rated for 30 years, right? If it’s only 15 or 16 years old, why are you so limited with your homeowner’s insurance options? This has become a big issue here in Florida over the last several years, and it makes shopping for insurance very difficult if …
Whenever you talk about increasing insurance rates, you may hear the term Assignment of Benefits (AOB). What does that mean, though? Why would that impact my rates if I haven’t had a claim? These are all good questions, so let’s take a minute to review what these claims are and how they affect you and …
What does it feel like to deal with a stolen car? I didn’t think I’d ever know, but sometimes life surprises us. So there I was talking with a friend as we walked out the front door at the local electronics store where we worked. We’d done it a thousand times during college. The side …
Introduction to Your Homeowners Coverages Your homeowners insurance policy is a package of coverages. These coverages protect your home, your belongings, and your lifestyle if you cause an injury. What does each one mean, though? If you prefer to talk to an insurance expert, our team at Think Safe Insurance is here to help. For …
Many times people review their Florida homeowners insurance policy and see Coverage B – Other Structures. Maybe you reviewed “Homeowners Coverages” so you know what it is. If not, this is for “Other Structures” which are detached from the main structure of the home – detached garages, sheds, utility buildings. It also includes fences, mailboxes, …
On your condo insurance policy, you may see Additions and Alterations. What is this? Do you need it? To understand that, let’s look at a standard, base condo policy first. Standard Condo Policy The standard condo policy is primarily based off the coverage C – Personal Property coverage. Coverage A – Dwelling will automatically be …
Condo Unit Owners Special Coverage A – The Short Answer This is a great question, and it often isn’t very clear on your policy declarations page. A standard Florida condo policy is what’s called a named perils policy. Condo Unit Owners Special Coverage A upgrades the coverage from named perils to open perils. Related: Sample …
What is the difference on an open perils (all risks) vs named perils policy? It is a good, important question but can get into kind of boring insurance stuff. We will try to make it as easy to understand here. First, what are “perils” anyways? Perils are the things that cause the claim. Fire, wind, …
