Call Us Today
727.345.8400
Blog
Insurance Rates Are Dropping. Is Your Coverage Number Right?
After four hard years, Florida's property insurance market is finally turning. The state has approved rate cuts, new insurers are competing for business, and even Citizens, the state backed insurer,
Condo Insurance in Florida: What an HO-6 Policy Covers
Condo insurance, called an HO-6 policy, covers the inside of your unit and your personal liability. It works with your condominium association's master policy, not instead of it. Here is
Insurance Appraisal vs. Reserve Study: What Your Board Needs to Know
Boards often ask us whether an insurance appraisal and a reserve study are the same thing. They are not. The two reports answer different questions, and most Florida condominium and
One Skipped Condo Insurance Appraisal, a $600,000 Loss
Alex Cavenaugh served as his condominium board's president for twenty years without a single serious complaint. Then a hurricane damaged three of his community's eight buildings, the insurance check came
Insurance Appraisal vs. Reserve Study vs. SIRS vs. Milestone Inspection: A Plain-English Guide for Florida Condo and HOA Boards
Short answer A Florida condo insurance appraisal determines the replacement cost value of your buildings so your master policy coverage limits are set correctly. A reserve study determines how much
Your Condo’s Automatic Coverage Increase Just Disappeared
There's an add-on to your association's master insurance policy that most board members have never read and never asked about. It's called inflation guard. As of this year, the lending
