Florida’s hurricane season is June 1 to Nov 30. Even if you aren’t on the coast, most areas of Florida seem to get a lot of strong storms with high winds this time of year. Proper hurricane preparation can help you avoid the frenzy that happens the week leading up to a storm and can […]
Florida Home Inspections
Are you buying a home in Florida? Maybe you are trying to change insurance companies. Or selling your home and just want to be prepared if the buyer asks for concessions. These situations (among others) often require a Florida home inspection. But what type of inspection do you need? What is the difference with each […]
What is the Replacement Cost for my Home?
What is the replacement cost for my home? How do I know if the coverage on my homeowner’s insurance is correct? I paid more for my home than the amount of my insurance. Why is that? Is it right? Those are all good questions, and the replacement cost is one of the most important coverages […]
Florida Insurance Cancelled or Non-Renewed?
Is your insurance cancelled or is your insurance non-renewed? Maybe it’s not cancelled yet, but you’ve gotten the notice from the company in advance. First, I’m sorry to hear that. I know it can be stressful, especially when you had everything already set up previously. You probably have some questions: Why is this happening? Can […]
St. Johns Insurance News
St. Johns Insurance Company is now insolvent and set to be liquidated. This news came at the end of February, and was the 5th company to become insolvent since 2019 joining Florida Specialty Insurance Co, Windhaven Insurance Co, American Capital Assurance Corp, Gulfstream Property and Casualty. (Shortly after the St. Johns Insurance announcement, Avatar Insurance […]
What is Ordinance or Law Coverage?
What is Ordinance or Law Coverage? Is it important? Should I have it on my Florida home insurance policy? Those are good questions. For most coverages, you can get an idea of what it is based on its name, but Ordinance or Law isn’t immediately apparent, and many homeowner’s don’t know what this coverage is […]
Free Roof Inspection – What Should I Do If Someone Wants to Inspect My Roof?
I’m getting bombarded with offers for a free roof inspection! Has someone knocked on your door recently offering to inspect your roof for storm damage? Maybe you got a letter or door hanger about inspecting your roof. Why are roofers doing this? Should I let them do the inspection? What should I be concerned about? […]
My Florida Roof Isn’t Old. Why are the Guidelines So Strict?
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 […]
What is an “Assignment of Benefits” & Why Does It Matter?
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 […]