INSURANCE
This is really easy; if you're getting a mortgage you're going to need insurance. No ifs, ands or buts about it. The lender will not close without an insurance policy in place. (it's a racket)
There are different types of policies and scenarios.
Here goes.....Hazard, flood, theft, vandalism, replacement cost, are you east or west of US1? Does your hazard insurance include windstorm coverage? Do you need flood insurance? Are you in an X zone or AZ? What is replacement cost and did I mention windstorm?
Windstorm insurance is required as part of all residential policies.
Windstorm, that's a nice way of saying HURRICANE.
(For those who are not familiar with the South Florida area, we have a large body of water near by that sometimes gets upset between June & November of each year.)
The folks below can help determine what policy and limits are right for you.
If you have any questions drop me a note at javiergonzalezpa@bellsouth.net
1. American Home Shield
Phone: 800/800-8880 x6841
2. Beacon Insurance
Phone: 305.266.9706 Fax: 305.468.6503
3. Allstate Insurance
Phone: 305.253.5330 Fax: 305.253.6169
4. State Farm Insurance
Phone: 954.475.2662 Fax: 954.475.8843
5. Public Insurance Adjusters Inc.
Helping homeowners with independent insurance claims. 3rd partdy adjusters.
Phone: 305-446-2844 Fax:
Please be advised that although we are familiar with these businesses and acknowledge their professional abilities, we do not recommend nor endorse any specific service(es) and/or business(es) and always encourage that you seek independent advise, written estimates and counsel of your choice before you undertake to perform, hire or pay for these or any related services.
