DUE TO POPULAR DEMAND - Links and Insurance Information
below for homeowners affected by the Hurricanes
Below find Links offering assistance to
Homeowners who sustained damage during
Hurricane Ian & Hurricane Nicole
1. https://www.floridarealtors.org/news-media/news-articles/2022/10/sw-fla-owners-surprised-femas-50-rule
2. https://www.floridarealtors.org/news-media/news-articles/2022/10/special-session-taxes-insurance?utm_campaign=10-24-22+Florida+Realtors+News&utm_source=iPost&utm_medium=email
3. https://www.floridarealtors.org/news-media/news-articles/2022/10/what-will-southwest-florida-look-after-ian
INSURANCE INFORMATION FILING CLAIMS & LISTING YOUR HOMEHurricanes Ian & Nicole - Assistance with Claims What to do After a Loss*If you need to file a claim, please remember that contractors using "Assignment of Benefits" clauses in their contracts should not be trusted. These companies are literally and legally stripping you of your rights as a homeowner and a policyholder if you sign an Assignment of Benefits. They disallow you from participating with the claims adjuster and your repairs. Unfortunately, scams are also rampant after storms . If you have damage and need immediate assistance, we urge you to call a reputable disaster mitigation service. Taking these steps following a loss will protect your home and expedite the claims process. Report your claim immediately by calling your insurance Carrier. Protect your property against further damage. If you need assistance locating a vendor to assist with tarping your roof or drying out wet property, please contact your insurance carrier. Make temporary repairs and keep receipts for any repairs that you do make. Prepare a list of damaged property. Take pictures and/or video of the damage, including any damage to contents, prior to making any repairs. Protect yourself and your family. If you must move out of your home, keep all receipts for any temporary lodging and any other expenses you incur while out of your home. Keep an inventory of the home's content and take pictures of each room Insurance Updates regarding what is insurable and uninsurable, especially if you are thinking of listing your homeUninsurable items Electrical not up to code, outlets not properly grounded and system size not the appropriate size and less than 100 amps electrical service. Aluminum branch wiring, knob-and-tube wiring, *cloth and sheath wiring and double-tapped breaker *Fuses/fuse boxes: Federal-Pacific, StabLoc, Zinsco, Challenger, or Sylvania electric panels or breakers. Plumbing with signs of leaks or unrepaired water damage and not in good working order. Polybutylene and * PEX before 2010 Roofs that are damaged, exhibit evidence of deterioration, or have visible signs of leaks. *Roofs that have fewer than five years of remaining useful life . HVAC not fully functioning, signs of damage and leaks. Portable heater or open flame as primary source of heat (electrical, oil, kerosene, etc.)file:///C:/Users/joy/Downloads/Items%20that%20are%20Uninsurable%20(1).pdf Insurable Items ROOF ☐ Satisfactory overall Condition ☐ Unsatisfactory Condition (not insurable) ☐ Remaining useful life 5yrs. + ☐ Remaining useful life 3yrs. + (less than 3yrs. not insurable) ☐ No open claims (any open claim must be settled and closed before home is insurable) ELECTRICAL ☐ Up to code, property grounded and electrical service at least 100 amps ☐ No Aluminum branch wiring, Knob-and-tube, Cloth, or Double-tapped breaker ☐ No Federal-Pacific, Stab-Loc, Zinsco, Challenger, or Sylvania electrical panels or breakers ☐ Yes, to any of the above panels or breakers (limited insurance options) ☐ HVAC replaced within the last 15yrs. and in working order (over 15yrs., limited insurance options) ☐ No portable heater or open flame heating source (not insurable) PLUMBING ☐ No signs of leaks ☐ No unrepaired water damages ☐ No Polybutylene (not insurable with Polybutylene) ☐ Water heater replaced within the last 15yrs. and in working order (over 15yrs., limited insurance options) 4 POINT INSPECTION AND WIND MITIGATION REPORT ☐ Order 4-point inspection for homes over 10yrs. old ☐ Order Wind Mitigation report for homes that were built prior to 2001, and roof replaced after 2001 (Not needed for Flat roofs)file:///C:/Users/joy/Downloads/Items%20that%20are%20Uninsurable%20(1).pdf Check with your insurance agent regarding the above, but it is better to be prepared prior to having an issue with the home inspection plus the buyer will be able to purchase insurance if the above items are in order 
