Home Insurance

Did you know that a standard home insurance policy for a primary residence includes a clause buried deep within the policy called a vacancy clause?  The vacancy clause can completely suspend your coverages if the conditions of the clause are met.  What are some examples of a vacant home? We...

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Today we’re talking about something that you may expect to be covered by your home insurance when it actually is not.  Today we’re talking about water back up coverage.  With water backing up we’re dealing with dirty water so we’re talking about a drain lines or sewage lines failing and...

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Today we’re talking about a certain type of plumbing material that many insurance companies are beginning to classify as an ineligible type of material.  Meaning that if the plumbing material is used in the home, the insurance company will refuse to insure the home.  This plumbing material is call PEX....

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As Hurricanes approach the east coast of Florida, we’ll have so many phone calls the week leading up to the storm on the same topic.  The question is generally some version of the following:  Can I get flood insurance?  And the answer is typically………. no.  You see flood insurance falls...

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If you find yourself in the unfortunate situation of needing to file a claim after a hurricane, there are certain things that you need to know.  In every home insurance policy, there is a section entitled the duties after a loss.  This section outlines the things that the you, the...

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I recently had a customer reach out to me from a region of Florida that is prone to flooding.  They had several days of rain and the water began to pool in the yard and then onto their back porch and then into the home.  They were reaching out to...

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