Home owners Insurance


Identity Theft: is still the fastest growing, white-collar crime in America: • The Federal Trade Commission has some great information and resources on their special website dedicated to identity theft prevention: http://www.ftc.gov/bcp/edu/microsites/idtheft/index.html • Other companies such as the U.S. Postal Service are sending out pamphlets with preventative measure to avoid becoming a victim of identity theft. Examples […]

How to comply with policy conditions to ensure coverage for a loss.

No matter what the damage is there are very specific conditions in your policy that may trigger a coverage question and give insurance companies a way out of paying for your damages. So here are the basic steps you must take to prevent denial on technicalities. Before you clean up before you do a single […]

How to ensure coverage for your water damage

We all hear horror stories of how insurance companies had found a way to deny a claim using  policy language and unfamiliar language, so what is the best way to avoid a denial letter? The most important part is getting to know your policy! ask you agent for a copy of the policy (called a “policy […]

Wind vs Impact Resistance

We often confuse wind resistance with impact resistance and what impact it may have on our homes during a hurricane. The big distinction is wind vs debris. Wind resistance is the building components ability to withstand the pressure of wind blowing against it without being compromised. The pressure is measured similarly to the tire pressure […]

Opening protection and wind mitigation discounts

Opening protection for your home is one of the major features that will add or reduce your premium discounts. It is important to understand that under the new stricter interpretation of wind mitigation discounts, a home is judged by the the opening with the least amount of protection. In other words if you have replaced all your […]

Dealing with roof leaks

It is not unusual to encounter roof leaks as you transition from the dry season to the wet one. Roofing materials tend to dry up, shrink and crack during the dry season and as those first rains hit the roof you may find some water penetrations. Components such as skylights contain rubber gaskets and caulk seals […]

Carpet drying

Probably the easiest material to dry in your home is carpeting and pad. While it may seem that carpet is destroyed when soaked, that is not usually the case. Using proper water extraction and drying techniques is key to a successful carpet drying. Carpet is easy to dry for two reasons, first it is accessible, it is not hidden behind […]

How to get rid of water stains on drywall

Often after the drying is complete and carpets have been cleaned we end up with yellow stains left behind by water on the effected areas of the drywall. Not every section of drywall that was wet stains, it is usually a product of what is behind it or where its located. Things like residue from insulation or […]

Insurance company initiated wind mitigation re-inspections

When the wind mitigation discount program was launched by the state of Florida the requirement for the inspection fell on the property owner and the responsibility for its accuracy on the inspector himself. Insurance carriers had no say in its accuracy and were required to apply premium discounts based on the report alone. In 2010 The State allowed insurance companies, at […]

New roof discounts defined

Roofs that get replaced are replaced in compliance with the building codes in effect at the time the permit was filed with the local building official. As building code is evolving along with product technology the roof systems are becomeing more and more resistant to wind, the more wind resistant you are the more discounts […]

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