Home Owners Insurance

Do you have the right coverage? Are you paying too much for insurance? Your house is your home which includes your family and their health and happiness. are you covered for contents?  Your furnishings, your tools, your family car or your weekend toys? What happens if we endure a weather related tragedy or a homeowner error causing loss. All this can be taken care of ahead of time. Remember, you can never predict but you can always prepare. Checking yearly and comparing quotes can save you money.

Another way to save money is yearly maintenance. Keep up with conditions and you will save money. Keep your Wind Mitigation Verification reports up to date for qualifying discounts. Older homes over 25 years will need to maintain the 4 major components in order to insure their homes, a yearly 4 point insurance report can provide you and your agent with the condition and age of your Roof, HVAC (Heating, Ventilation, Air Conditioning), Electrical and Plumbing components. Your homes roof should be checked yearly to ensure for weather tightness.

If you have had any work or remodeling done and used proper permits, you may be eligible for discounts. Have you recently purchased new furniture, computer equipment?

It is important to keep in mind that insurers have made major changes to what risks are covered and the costs required to insure against them. The costs of rebuilding your home typically increase from year to year. The amount of homeowner’s insurance coverage you have now may not cover the cost to rebuild your home at today’s prices.If you haven’t updated your coverage recently, you could be under insured.

Keep in mind, protect your investment.Only you can assure your home will maintain it’s integrity and value. Stay on top of maintenance and check to make sure you protect you and your family. Need help, Just ask.

Advertisements

When do I need a Home Inspector

When do I need a Home Inspector? Do some research. While you may have already decided on looking for a new home, why not start your search for a home inspector as well. Referrals work well, I still recommend checking credentials as well as experience. If you can not get a referral, many sites offer services you may need and, they already did your homework and checked the credentials.

If your buying a home, once you have reached an accepted offer, you can now get your inspection scheduled. Most contracts give you a 10 day inspection window where others may only have 7 days. Check with your Realtor agent.

Pest inspections or Wood Destroying Organism Inspections may be required by your lender.

If you need one of three insurance inspections as per requirement, before  a new policy or renewal, contact an inspector right away to get on the schedule. Most inspection companies can accommodate insurance inspections within 48 hours. These inspections are as listed; Wind Mitigation Verification reports, Four Point Insurance Inspections and Roof Certification reports. All must be performed by a qualified Licensed Inspector on approved forms.

Anyone wishing to put their home on the market would benefit from a pre sale inspection. A pre sale would give you the edge, knowing what the issues are before listing. Many items found during a pre sale inspection could be corrected and minimize the repairs or conditional requests from potential buyers. Most buyers who purchase a home with a pre sale inspection will waive the inspection period, resulting in a quicker sale.

11 month warranty inspections can be ordered within the 11th month. These inspections cover all aspects of the home 11 months after build to avoid an out of warranty issue.

 

Roof Certification

What is a Roof Certification? A roof certification is a visual inspection to determine the age and condition as required by the Insurance Industry. A basic inspection takes a few minutes and is required to be accompanied by several photos.

All roofs must be in good condition with no damage including curled or missing shingles, or visible signs of leaking to be eligible for homeowners insurance coverage. Additionally, all roofs, regardless of age, must have at least three (3) years of useful life remaining.

Sometimes a roof can naturally reach the end of its useful life without experiencing a roof failure. It just looks old and worn, and you are doing preventive maintenance on your home. If replacing an old roof is delayed, however, it could result in bigger problems down the road. So watch for the warning signs to be sure to give yourself plenty of time to add the project to your TO DO list.

Potential signs that your roof may need to be replaced:

    • Shingle edges are curled or shingle tabs are cupped
    • Bald spots where granules are missing
    • Cracked shingle
    • Your roof is at least 20 years old; while many shingles today are produced for durability, many factors can accelerate the aging of shingles. For example, if your roof is not properly ventilated, it can negatively impact your shingle
    • Neighbors are getting new roofs. Homes built around the same time period can experiencing the same types of weather conditions can mean that your roof is nearing its useful life
    • The roof just looks old and worn
    • Dark streaks. Airborne algae cause dark streaks on roof decks. While this may not necessarily harm the roof shingles, it may not look good. Algae streaks can be removed using a 50:50 blend of water and bleach sprayed on your roof. It is important to use a low volume garden hose so you do not knock the protective granules off your shingles. It is also important that you protect your landscaping from the bleach run-off
    • Moss. Moss can grow on roof surfaces that don’t get much sunlight especially in cool, moist climates. Moss growth can be more than a cosmetic issue. Moss holds moisture against the roof surface and overtime in freezing climates can cause damage to the granules on the top of the shingles. Moss can be brushed off but it won’t prevent it from growing again; take care not to damage the shingle surface. You may need to contact a professional roofing contractor.

 

 

 

Wind mitigation verification reports

What is a wind mitigation you ask? Wind mitigation is the implementation of certain building techniques in order to limit damage caused by intense wind.

In Florida, the portion of a homeowner’s premium covering wind damage can be up to 70% of the total, depending on location.

Generally, a wind mitigation inspection is needed to determine which credits apply to a home. During a wind mitigation inspection, a certified inspector looks for key features and add-ons that reduce the amount of damage your home may suffer in the event of a hurricane or strong windstorm.

In summary, wind mitigation is a strategy designed to limit the amount of wind damage inflicted on a structure. Various incentives are in place to motivate homeowners to implement these enhancements, and qualified inspectors can determine which improvements are necessary.

Wind mitigation techniques

A windstorm inspection, also referred to as a windstorm mitigation inspection, windstorm insurance inspection or wind mitigation inspection, is a kind of home inspection common in the coastal areas of the Southeastern United States.