Homeowners Insurance Tips

HOW CAN I GET A QUOTE?

We need the property address, the name, date of birth and current address for the buyer.

DOES HOMEOWNERS INSURANCE COVER HURRICANE DAMAGE?

Most homeowner policies cover wind/hail (hurricane) however some companies exclude that coverage if the home is close to the ocean, requiring the buyer to purchase a separate policy just for wind/hail.

DOES HOMEOWNERS INSURANCE COVER FLOODING?

Homeowner policies do not cover flood, flood must be purchased as a separate policy however some companies now do offer flood coverage as an endorsement on the homeowner policy.

WHAT IS THE AGE LIMIT FOR ROOFS AND WATER HEATERS?

Because of recent increase in roofing damage claims from hail and water damage claims from leaking/breaking water heaters almost all companies have a 15 year age limit for water heaters and many company have gone to a 10 year age limit for shingle roofs.

ARE INSPECTIONS REQUIRED?

Most companies require a four point inspection for any homes 30 years or older and a wind mitigation is not required but highly recommended for discounts if the roof has been replaced on homes older than 2002.

Robin Leoffler

The Ormond Agency

555 W GRANADA BLVD STE H5,

ORMOND BEACH FL 32174

PHONE:386-888-7015 FAX:386-677-7788

www.Ormondagency.com




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