Odds are favorable that the buyer of your home will hire a home inspector to conduct a pre-purchase, due diligence home inspection as a condition of purchase. The home inspector will also prepare important insurance reports required by insurance carriers. While your buyer may be willing to accept some repairs or obsolescence in the home, […]

Many homeowners may need a 4-point insurance report to renew homeowners’ coverage or to obtain homeowners insurance coverage. Insurance carriers in Florida are being selective on the risks they are willing to assume. Risks may include the age of the home, location, and the age of the primary components such as plumbing, HVAC, electrical, or […]

Your offer was accepted. You did your due diligence, or maybe you didn’t…maybe you’re just delighted at the prospect of being a homeowner in Florida. You paid over list price; no big deal…homes in Florida are still a bargain compared to many areas around the country, and you beat 16 competing offers to get this […]

The Florida insurance marketplace is an absolute mess, and it appears to be getting worse. Homebuyers and homeowners who are accustomed to shopping for the best rates with multiple carriers are in for a rude surprise. You may be lucky to get one quote; and you probably won’t like the price, the coverage, or recognize […]

Insurance carriers in Florida are making it very difficult to obtain and maintain homeowner’s insurance. In short, they are not willing to carry risk beyond the main perils (fire, lightning, windstorm, explosion, smoke, and vandalism). You are also typically covered for aircraft/vehicle collision and riot/civil commotion (although this may be excluded in some areas due […]