Notes
Home
Notes on property in a wind and flood state: roofs, inspections, deductibles and the coverage that sits between them.
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The inspection that pays for itself
A wind mitigation report costs less than a weekend away and can take a meaningful amount off a Florida property premium. Most homes here have never…
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Roof age, and what a carrier does with it
In Florida the age of your roof decides more about your premium, and about whether you can buy a policy at all, than almost anything else…
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A takeout letter from Citizens, and what to do with it
If you are with Citizens, a private carrier may offer to take your policy over. Whether to let them is a real decision, and the deadline…
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Replacement cost or actual cash value, on a roof
Two policies can carry the same limit and settle a roof claim tens of thousands of dollars apart. The clause that decides it is one line…
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