Ordinance and Laws Coverage under your Homeowners Insurance - Melbourne, Fl

Frank: I want to talk about a couple of coverages that are sort of particular to Florida and that you really need to address, especially with the hurricanes. Kevin's going to start us with law and ordinance.

Kevin: There's a coverage under your homeowners policy that's called law and ordinance or ordinance and law coverage, and what it that does is provides additional funds under your policy to cover the increased cost of construction to your home because of an ordinance or a law, not because of any direct damage. And what I mean by that is, for example, if you live in Brevard County, if you suffer damage to the framing of your window after a hurricane as is very common, as is very common that happens. The current building code says that when you rebuild that property, those windows have to be built to a certain strength, and there also have to be shutters involved.

Frank: Either impact glass or shutters.

Kevin: And when you think about Hurricane Andrew when it happened in the early '90s down in the Homestead area, because of the catastrophic damage like nothing anybody had ever seen before from a hurricane -- catastrophic damage -- you've got local authorities coming out playing damage control trying to convince people, hey, we are not going to let this happen again. Something this terrible will never happen again. The way they so that is they start to enforce new building codes. For example, improvements to the roof-to-wall connections, changes in the elevation requirements for a home that is too close to the water, changes in the elevation. Items such as that are going to cost more money when you have your house repaired or have your house rebuilt. And because those costs had nothing to do with the way your house was before the loss, your homeowner's policy doesn't owe you anything for that unless you have enough insurance under the ordinance and law part of the policy. That's why it is important to talk to the agent to know exactly what the codes are in your area and how they could impact the rebuilding of your house after it's damaged.

Frank: Even now, last October, they passed a law that if you put a new roof on, you have to have a secondary water-resistant barrier. So, if those shingles blow off, there's another layer to protect you before the house leaks, and typically, that's like a peal-and-stick foam rubber that they lay down that covers all the cracks, and a lot of times, they do the whole roof. So, if your shingles blow off, your roof won't leak. That's the biggest problem. You're going to get water damage. So, those codes change. Take your roof. I think it's about $2,000 more per year to do that. So, the insurance company that you have, if your roof blow off, call the insurance company and say, hey, listen, the roof was $8,000 to replace it, well, now I need this barrier. Well, hey, without this law and ordinance coverage, they wouldn't pay the $2,000. Law and ordinance insures that you get that $2,000. So, you do want to make sure you have that. Keep in mind that it comes in different levels. Some policies give you 10% of the value of the house. Again, if you have a $100,000 house, 10% is $10,000. You could by 25%, which would be -- on a $100,000 house -- it would be $25,000. Again, you could go to 50%, which would be $50,000 on a $100,000 house. What you want to do, though, is at least make sure you know where you stand. Don't just ignore it, put your head in the sand and say, ahh, this will never happen to me. This is Florida. We have fires, we have hurricanes. So, these things do happen, so you want to pay attention to it.

Insurance Center of Central Florida
http://www.theinsurancecenter.us/

Florida Homeowners Insurance - Trampoline

Check with your Florida Insurance agent to see if your trampoline, pool slide or diving board is covered by your homeowner's policy. Log on to www.TheInsuranceCenter.us for complete details.

Florida Homeowners Insurance
Insurance Center of Central Florida
http://www.theinsurancecenter.us/

Is Your Jewelry Covered in Your Homeowners Policy Melbourne Florida

Hi, I'm Frank Hanrahan from the Insurance Center. I'd like to give you a tip on jewelry insurance. Most people can either insure their jewelry under their Homeowner's policy or you can buy a separate policy from a company that specializes in jewelry coverage. The advantage of buying it under your Homeowner's is, hey, it's one policy, one bill, it makes it a little easier. The downside is if you have a claim under that policy, that claim counts against your Homeowner's. The other way you can do it is you can buy a separate jewelry policy from a company that specializes in it, and then if you have a claim, it doesn't go against your Homeowner's. In Florida, with the policies up in the air sometimes, it's best not to have a claim, so I would suggest you look at that situation, price it out, see what you want to do.

If you have any questions or we can help you, give us a call 1-800-659-0986 or look us up on the web. Thank you.

Texting and Driving-Melbourne Auto Insurance spells: DEATH!

Texting while driving is dangerous. It mostly ends in a death. Talk to your teen about the dangers of texting while driving. Make no texting part of your driving contract.
Set a good example, don't text and drive.
Call 800-659-0986 or log on to: http://www.theinsurancecenter.us/

How to: Teen Drivers Contract - Melbourne Florida Auto Insurance -

Creating a "Driver's Contract" for your teen driver can help set rules and expectations. Setting minimum grades for driving privileges can help your teen stay focused on academics. Lower insurance premiums are available in many cases.
Log on to www.TheInsuranceCenter.us for complete details.

Melbourne Florida Auto Insurance - Teen Drivers GPS

Some GPS systems will allow you to monitor your teens driving habits when you are not in the car. Log on to www.TheInsuranceCenter.us for complete details.

Hi, I'm Frank Hanrahan from the Insurance Center of Central Florida today talking about GPSs in the cars for our kids when they're driving. I know a lot of us don't want to spy on our kids, but there are now devices you can get to go in the car that will monitor the speed, the roads they're traveling, and how they're braking. I know that we say, oh, I don't want to spy on our kids, but I think it's a big deterrent when they're driving knowing that any given moment, we can look up and see what they're doing or how fast they're driving. So, we suggest you look into one of these devices where it may save you some money on your insurance.

If you have questions, give us a call at 1-800-659-0986 extension 215. Thank you,

How to buy Teen Drivers Insurance Melbourne Florida - Auto Insurance

You should shop your car insurance rates for teen drivers. Lower insurance premiums are available in many cases.

Insurance Center of Central Florida
http://www.theinsurancecenter.us/



This is Frank Hanrahan from the Insurance Center of Central Florida, I'd like to give you a tip to save your family money. When we start having kids and they start driving, you need to shop for insurance more than ever. It's one thing when there's a husband and a wife, but when you start adding teens, a lot of companies have varying rates. I've seen rates from as low as $1,200 to $2,000 for the exact same risks. The difference is being different companies. We'd like to shop for you. Give us a call at 1-800-659-0986 extension 215 or look us up on the web.

Melbourne Property Insurance - Vacant Land

This is Frank Hanrahan from the Insurance Center of Central Florida. Here's a tip most people don't know. When you own vacant land, your Homeowner's policy will cover that land. And I say "vacant," it must be vacant -- no structures on it -- and also, it will cover your home if you're building a new one while it's being built for liability. It was designed so that if you're building a home you would have that coverage for that land while it's being built.

If you have questions on this give us a call at 1-800-659-0986 or look us up on the web. Thanks.

Insurance Center of Central Florida
http://www.theinsurancecenter.us/

Palm Bay Property Insurance - Vacant Land

This is Frank Hanrahan from the Insurance Center of Central Florida. Here's a tip most people don't know. When you own vacant land, your Homeowner's policy will cover that land. And I say "vacant," it must be vacant -- no structures on it -- and also, it will cover your home if you're building a new one while it's being built for liability. It was designed so that if you're building a home you would have that coverage for that land while it's being built. If you have questions on this give us a call at 1-800-659-0986 or look us up on the web. Thanks.