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Florida Statute § 627.714 requires that residential condominium unit insurance policies issued or renewed after July 1, 2010, must include at least $2,000 in property loss assessment coverage. This coverage would pay up to the stated amount for any assessments made upon each insured unit owner. READ MORE >>

Condo associations are commonly required to insure common element structures.   With the passage of time, building codes and ordinances change to reflect new standards in construction.  These changes generally relate to fire safety, structural integrity (especially here in Florida) and energy efficiency of buildings. READ MORE >>

10 Factors New Homebuyers Should Take in Account July 18, 2016 at 4:24 pm | No comment | Category: Uncategorized So you’re in the process of buying a new home, and you’re wondering what the deal is with home insurance. You need it, obviously, but how should you go about finding it, and what factors do you need to take into account? READ MORE >>

Florida has more sinkholes than any other state in the nation. A recent change in Florida law requires authorized insurers to cover “catastrophic ground cover collapse,” but damage caused by a sinkhole may not be covered by your policy. READ MORE >>

Most people think you only need to talk to a home insurance agent when you need to file a claim, such as when a tree falls on your roof or a fire or storm damages your property. But actually, you have plenty of reasons to talk to your homeowners insurance agent that have nothing to do with filing a claim, and most of those reasons might help you save money. READ MORE >>

Good new for Homeowners! If you live in Florida and you have not had your property insurance quoted in some time you could be missing out on saving hundreds if not thousands of dollars.  For so long in Florida people were just happy to find an insurance company that would cover there home or condo; but times have changed! READ MORE >>

Prior to July 1 2013 HOA's were not required to carry Crime Insurance or a Fidelity bond.  Florida Statute 720.3033 section 5 reads: The association shall maintain insurance or a fidelity bond for all persons who control or disburse funds of the association. READ MORE >>

Condo Master Policy vs. Unit Owners Policy   Master Policy Florida statue 718.111 clearly defines how insurance coverage must be provided under the condominium master policy and the individual unit owner policies.  The statute applies to every residential condominium in the state, regardless of the date of its declarations. READ MORE >>

Understanding your fire protection class   One of the tools that homeowner insurance companies use to determine how much you will pay for your homeowner insurance is your fire protection class. Fire protection classes range from 1 – 10. An independent company rates City and County Fire Stations. READ MORE >>

A condominium is a type of real estate property that also goes by the moniker of condo. This type of property allows a person(s) to purchase an individual unit within a larger complex, build equity and each individual unit holder is responsible for paying their own property taxes. READ MORE >>

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