Recent news has been released which continues to paint a grim picture for the Florida home insurance market and homeowners. As if it could get worse. The list of companies who will no longer offer new home insurance policies in Florida continues to grow. Florida Farm Bureau has announced...
Home Insurance
Home Insurance- Water Damage Limitation for Older Homes
If your Florida home is 40 years or older, it is likely your home insurance policy excludes or has limited water damage coverage. Most homeowners are unaware of this coverage limitation in their policies. In 2016 a trend began where a few home insurance companies began to modify their...
Animal Liability – Home Insurance
Having a dog (or any other pet for that matter) can bring great joy to the owner. However, dog ownership can invite the opportunity for unwanted trouble even for the most responsible pet parent. Home insurance could protect you against an animal liability claim. A dog owner may be...
Tough to Insure Homes- Polybutylene Plumbing
Over the years homeowners and Realtors alike call me with questions about insuring homes with existing polybutylene plumbing. Polybutylene is a plastic, gray in color semi-flexible pipe commonly used in the 1980’s through the early 1990’s. It was a great solution as a replacement for copper pipes because it...
Home Repair and the Assignment of Benefits Contract
There is a knock at your door and the person there introduces themselves as a roofer. They tell you their company is doing some work in your neighborhood. The roofer says they would be happy to conduct a free roof inspection on your home and you happily agree. After...
Home Insurance: The Dwelling Value
Often times I have conversations with clients about their home insurance policy. Typically the discussions focus on the amount of coverage for their home and how that amount of coverage is determined. Many people believe the coverage limit should be equal to their loan amount. Others think it should...
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