Resource Center
What Community Association Directors Should Know About Working With Citizens
Friday, July 5, 2024
While Citizens has become a popular choice among residential homeowners in recent years - due primarily to skyrocketing private carrier costs and non-renewals from companies leaving Florida - the commercial world is...
"Condo 3.0" House Bill Signed by Governor DeSantis This Month - What it Means
Tuesday, June 25, 2024
Condominium safety and management has been under a microscope since the June 2021 collapse of the Champlain Towers South building in Surfside. This month's passing of Florida House Bill 1021 is a direct result of that...
Do You Own a Townhome? If so, you may be over-insured!
Wednesday, May 22, 2024
In Florida, a townhome is either insured as a single-family home (through an HO3 policy), or as a condominium (an HO6). The type of property insurance you need is dependent on how your community is insured as a whole....
Why Even X Flood Zones Need Flood Insurance (and it's less expensive than you think!)
Wednesday, May 15, 2024
The 2024 Hurricane Season is anticipated to be highly active, with 23-24 named storms and more than 10 expected to escalate into hurricanes. NOW is the time to consider adding a flood policy. They are inexpensive, cover...
Florida Legislative Insurance Updates You Should Know About
Tuesday, April 23, 2024
In a March press release issued by the Florida Senate, legislation aimed at reducing property insurance costs in Florida passed and included: 1-year insurance premium tax relief on flood policies written between 10/1/24...
What is an Agent of Record (and why do I need one)?
Tuesday, April 9, 2024
The world of insurance can be challenging to navigate, whether you're an individual homeowner or a member of a Home Owners Association (HOA) Board, serving as a fiduciary to your community members. When looking for the...
Why it May Make Sense to Have An Elevation Certificate When it Comes to Flood Insurance
Wednesday, February 7, 2024
Flood insurance isn't required on all homes, but in a storm-prone state like Florida, it's always a safe bet to secure it. The price of the policy is a bargain compared to the cost of damage that can occur from...
Why HOAs and Condo Boards Need "Crime Coverage"
Monday, January 22, 2024
Crime Coverage - also known as a "Fidelity Bond" or "Fidelity Guarantee," is a form of insurance coverage that protects against fraudulent acts - like embezzlement - committed by Board Members or Property Managers in a...
Why is My Home Insurance Premium So Different From My Neighbor's?
Tuesday, January 16, 2024
Home insurance rate fluctuations are making the news weekly it seems - especially here in Florida. Many private insurers are fleeing the state and Citizens is working to offload some of their client roster and get back...
Why Permitted Home Repairs are Important!
Tuesday, January 9, 2024
When it comes to home repairs, improvements and additions, we know there is some confusion as to whether permits are required by a licensed contractor. In a challenging economy - such as the one many of us experienced...