Background A deductible is the amount of money a policyholder pays before their insurance kicks in. Homeowners insurance policies in Florida have two separate deductibles; one for hurricane damage and one for all other perils. Hurricane deductibles are available in…
In the event of a sudden emergency such as a hurricane, you may have just minutes to gather your family and important papers, and get out of your house, possibly for good. Are you prepared? Where would you go? What…
If you’re like most Americans, your home is your largest investment, so you know how important it is to protect it. You probably take safety precautions and have insurance that will cover you in case of a loss. But are…
What can you do? Insurance adjusters have ranked the most common, yet preventable, homeowners claims. Five of them – that’s half the list – are plumbing related. This is a busy time for everyone and the last thing you need…
Last year, I heard of a story about someone who was visiting their parents in Florida. Early one morning, 4:32 a.m., he got a call on his cell phone and the caller ID showed it to be his daughter. (He knew very…
Most homeowners policies don’t cover flood damage. This type of loss is different from others and it needs special underwriting and rating. Because flood damage is usually more severe and affects more than one home at a time, it’s difficult…
It takes no time for a fire to sweep through a dwelling and destroy all of family’s possessions. While there are items that can be replaced such as appliances, clothing and furniture, those objects with sentimental value such as pictures…
Contact your local Fire Department for assistance with this project. They have community liaisons to work with you on your plan. Post emergency telephone numbers by phones (fire, police, ambulance, etc.). Teach children at the earliest possible age how and…
Ever drive down the street and see a front yard with a trench that looks like someone is dredging a channel from the front door to the street? While a select few may be installing an expensive irrigation system, most…
Millions of Americans donate time—their most valuable asset—to serve as a volunteer board member on non-profits, booster clubs, churches, PTAs and civic organizations, just to name a few. The decisions these folks make can have a dramatic impact on their…
