The Insurance Center of Central Florida offers Homeowners Insurance, Flood Insurance, Auto Insurance, Motorcycle Insurance, and much more.
We provide insurance services for residents all across Florida, and we can help you make sure you're covered and prepared for whatever happens in your life!
Call us now at 1-888-8363-4706 for a FREE quote for your home, your business, or your vehicles. You can also visit us on line at http://theinsurancecenter.us.
Hurricane Insurance Coverage Rates Melbourne Florida
The official start to the 2010 Atlantic hurricane season is just a week away.
It's wind vs. water in many a hurricane insurance claim, so be sure you know the difference - and obtain both hurricane and flood insurance when protecting your home.
To the surprise of many home owners, your homeowners insurance typically does not cover flooding after a hurricane, unless it is caused by the roof of your home blowing off.
In a state with as high a risk of hurricanes and tropical storms as Florida, it is essential that you realize the limitations of typical homeowners insurance, and don't find out too late that homeowners insurance is not enough to protect your investment from hurricane damage. Flood insurance is inexpensive, yet could end up saving you tens or even hundreds of thousands of dollars and give you peace of mind in the aftermath of a hurricane or tropical storm.
Call Insurance Center of Central Florida TODAY and let us go over a new policy or your existing policy. Get on your way to great coverage and protection. Don't wait till it's too late!
Insurance Center Central Florida
3760 West Eau Gallie Boulevard
Melbourne, FL 32934
(888) 363-4706
It's wind vs. water in many a hurricane insurance claim, so be sure you know the difference - and obtain both hurricane and flood insurance when protecting your home.
To the surprise of many home owners, your homeowners insurance typically does not cover flooding after a hurricane, unless it is caused by the roof of your home blowing off.
In a state with as high a risk of hurricanes and tropical storms as Florida, it is essential that you realize the limitations of typical homeowners insurance, and don't find out too late that homeowners insurance is not enough to protect your investment from hurricane damage. Flood insurance is inexpensive, yet could end up saving you tens or even hundreds of thousands of dollars and give you peace of mind in the aftermath of a hurricane or tropical storm.
Call Insurance Center of Central Florida TODAY and let us go over a new policy or your existing policy. Get on your way to great coverage and protection. Don't wait till it's too late!
Insurance Center Central Florida
3760 West Eau Gallie Boulevard
Melbourne, FL 32934
(888) 363-4706
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/
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.
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