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Insure Companies May Be Requiring Roof Replacements

Heads up, Florida homeowners. According to a News Channel 8 article, over in Tampa Bay, some homeowners are receiving letters from their insurance company informing them that they must replace their roof or they will lose coverage. Some homeowners with roofs around twelve to thirteen years old that are still in good shape are also…Continued

A Brief Look into the Insurance Adjuster Process

During the insurance claim process, an adjuster will likely pay a visit to the home, so it’s worth knowing what to expect. Depending on the severity of the damage, the adjuster will spend a few to multiple hours inspecting the house. They need to be as detailed as possible. If you happen upon something that…Continued

Do You Have a Hurricane Deductible?

There is the insurance deductible and then there is what’s called the hurricane deductible. The latter is a somewhat recent tool with several differences from that of a standard home insurance policy. As the name implies, these deductibles are intended to address hurricane damage and they represent a percentage of the value of your home.…Continued

Hurricane Season in the Age of COVID-19

The COVID-19 pandemic has radically changed the way people go about their daily lives. With hurricane season on the horizon and forecasts predicting an above-average season, it’s likely going to be much different. A Sun-Sentinel article presents a few scenarios that may occur as a result of the coronavirus. For example, power outages may take…Continued

Florida Case May Redefine a Disinterested Appraiser

An appeal panel is asking Florida’s highest court to determine if homeowners’ insurance policyholders need to employ a pair of experts to investigate property-damage claims rejected by their insurance providers as opposed to a single public adjuster who may also act as a disinterested appraiser. The Third District Court of Appeal rejected State Farm Florida…Continued

Florida Homeowners May Soon Need a New Insurer

Do you have an insurance policy with Anchor Property and Casualty Insurance Co. or Homeowners Choice Property and Casualty Insurance Co.? If so, you may be among the thousands of homeowners forced to switch to a new insurer once the spring season arrives. According to a CBS Miami article, Anchor’s financial stability rating was downgraded.…Continued

Flood Insurance Rates Staying Put for Now

Some good news has emerged for Floridians with flood insurance or those will be obtaining flood insurance soon. A potential overhaul of the National Flood Insurance Program (NFIP) intended to change the way NFIP charges policyholders to adapt to climate change has been delayed for a year after some input from Congress. The original plans…Continued

Save Money on Insurance with a Security System

Modern security systems feature robust technology designed to keep your home, family, and belongings safe. Many homeowners’ insurance policies also give discounts if you have a security and/or alarm system installed in your home. However, make sure you talk to your insurer or agent as there may be restrictions on what they consider to be…Continued

Miami Makes Changes to Flood Maps

When’s the last time you checked whether your home is located in a flood zone? Flood maps in Miami were recently tweaked, which means Miami’s changes and amendments to flood maps and related ordinances will bring about major changes. The properties on the revised maps are now situated in special flood hazard areas. This means…Continued

Should You Replace or Repair the Roof?

The roof is a major part of your home’s infrastructure, and it factors heavily in how the home will survive a major storm or how hot it may become during the warmer seasons. This only reinforces how important it is to carefully consider whether it should simply be repaired or if it needs to be…Continued

Tips for When the Storm Hits

We’ve talked a lot about the steps to take prior to the arrival of a hurricane, but what should you do if it does hit? Do you know how to protect yourself and your family during and after the major storm has passed? Let’s examine a few tips. During a hurricane, you want to make…Continued