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Please note that we are not saying these are “Deal Breakers,” but rather, “Curve Balls” you want to be aware of & let your insurance agent know about up front so she can place you with an appropriate carrier.   Roof Age- Options are more limited at 15+ years Wiring- Aluminum or Clothing wiring limit […]

The Florida property insurance market is changing, and one of the biggest shifts we have seen over the last several years is the new “industry standard” for water damage coverage for older homes (usually 30-40+ years old) changing to a “Limited Water” buy back provision.  Water damage claims have skyrocketed over the past several years

I know many Floridians who have had their docks damaged, or in some cases, destroyed, by hurricanes.  In a handful of cases, it happened multiple years in a row!  This can be a sad, frustrating, and often, very expensive situation because generally, homeowner’s insurance does not cover damage to docks during hurricanes.  I try to

One of the most common questions we get asked by our landlord clients is “What’s the difference in a DP1 Basic Policy and a DP3 Special Policy?” Below, we have created a simple chart of some of the MAIN differences.  See full policy contracts for complete comparisons.   Policy Form DP1- Basic DP3- Special Brief

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