Thursday, April 21, 2011

Protect Your Naples Area Seasonal Residence

Summer is almost here in Naples, FL and many seasonal residents will be leaving the area and returning to their second home.  Protecting your seasonal residence from damage in your absence can be accomplished with a little advanced planning.  Most northerners are familiar with frozen and burst pipes, but have little experience with excess humidity, a potential problem in Florida’s hot, moist climate.  Damage to seasonal residences from theft, wind or hurricane, flooding and infestations are also common concerns.  No one wants to return next season to a home that has been destroyed or damaged.  There are many preventative actions seasonal residents can take to prevent damage to their homes, autos and boats while they are gone.

 Home Watch Services are very popular.  According to Pro America Insurance agent Michael Watkins, “Some Home Watch Services are very sophisticated.”  He strongly suggests that all seasonal residents take reasonable precautions when leaving, such as, turning the water off at its source, draining pipes, service air conditioning units, retain a home watch service to check the property weekly as well as asking year round neighbors to contact them if they see any suspicious activity on or in the property.  Home Watch Services abound in Naples Florida because of our large seasonal population.  These companies could provide a wide spectrum of services such as;  weekly interior and exterior inspections, alarm monitoring, contractor and repair service supervision, appliance maintenance, airport shuttle service, home reopening and cleaning services , even grocery shopping.  Reputable companies will be insured and bonded.

Understanding your Homeowners Insurance Coverage is very important.  Michael, located at Pro America’s Pine Ridge office, specializes in Homeowners Insurance. While preparing to write this article I interviewed Michael and was impressed by the breadth of his knowledge regarding possible claims, coverage’s and policy distinctions.  Having a knowledgeable agent is essential to protecting your investment.  Prior to leaving the area it is wise to meet with your agent to discuss your coverage’s and prevention strategies.  

Take note, Mold and Mildew coverage is typically limited to $10,000.00 and is only paid if it is part of a covered loss. Additionally, insurance companies follow strict “Occupancy” and “Vacancy” guidelines.  These guidelines can vary by company so it is best to meet with your agent to discuss any guidelines that may apply to you.

Having a positive working relationship with your Naples home owners Insurance Agent is paramount to accessing the best coverage for your investments.  Pro America Insurance Agents spend the time necessary to fully understand your unique insurance needs and will find the best policy with the most complete coverage at a price you can afford.  Schedule an appointment today and Let Us Do the Shopping for You!
Remember to always review your Homeowner’s, Auto or Boat Insurance Policy when determining coverage, or come in to either of our offices and let us review your policy and answer any questions you may have. 

Thursday, April 7, 2011

Protect your Home from Damage caused by Windstorms and SAVE MONEY on your Homeowners Insurance

Florida has taken the lead in adopting regulatory provisions related to hurricane resistant construction.  After Hurricane Andrew in 1992, Florida adopted statute 627.0629 that required residential property Insurance Providers in Florida to give “discounts, credits and other incentives” for residential properties where construction methods that have been shown to REDUCE LOSS caused by windstorms are employed.  

Agent Peter Lechler at Pro America Insurance insists that a homeowner can easily save 10 to 40% on their entire premium with a Uniform Mitigation Verification Inspection Form.  He says that substantial credits are given for:
·         Roof permitted post March 2002
·         Roof Geometry - Hip Roof
·         Roof Deck Attachments - the size and spacing of the nails that attach the plywood to the roof truss
·         Roof to Wall Attachments - clips, single or double straps.    

Local builder and home remodeler Pat Purnell of CNP Construction, Inc of Naples, FL administers Wind Mitigation Inspections.  Purnell says that the best way to make your house 100% hurricane resistant is to have Impact Resistant Windows, Shutters and Doors.  Purnell states that;
“Your windows and doors are by far the weakest point of your house.”

He further stated that If you have “Truss Straps and a Hip Roof” along with impact resistant features you have achieved 100% protection from Wind.  You may think that if you own a home built before the 1992 Florida building code it will not have Wind Mitigation features but you are most likely wrong.  Purnell told me, that he recently inspected a home that was built in 1980; it had Truss Straps and a Hip Roof.  Pat Purnell does all types of new construction and remodeling as well as Mitigation Inspections.  Contact Pat by phone at (239) 595-4544 or email to schedule your inspection today.

Pro America Insurance Agency is a great place to start learning about Wind Mitigation credits.  Let us help you save 10 to 40% on your Homeowner’s Insurance premium.  Call us today or refer a friend.  Let Us Do The Shopping For You!  My Safe Florida Home web site is a great place to visit to learn more about Wind Mitigation .