We’ve had a wild ride in the past two months, and it looks like we could be facing more storms teeing up in the South Atlantic. At the moment, the 10 year lull between major storms seems less like a reprieve and more like Mother Nature’s “Gotcha, suckers!” There are some questions if Florida’s private […]
In-Law-Suite Not So Sweet
Q: My in-laws moved out last summer to an assisted living facility. After they were gone, we renovated their two-bedroom apartment/in-law suite. Sometimes we rent it out on Airbnb since we live in a resort area. However, this past spring we let my nephew and some friends come down for spring break. Long story short, […]
Commercial Driving Businesses Need Commercial Auto
Q: I started out driving for Uber and Lyft, but now I am opening my own limousine service in a couple of months. I have a good client list from doing ride-share, and now I own a limousine. What kind of limousine insurance am I going to need? A: It’s great that you’re going to […]
Rough Storm Ahead for South Florida Homeowners
Since 2012, insurers are dealing with the unintended consequences of a move that was supposed to be a benefit to homeowners. Assignment of benefits was supposed to allow homeowners, renters, and landlords get their damaged properties fixed quickly and back to normal after a flood, accident, or other event. Instead, thanks to a few contractors […]
A Hurricane Preparedness Resource List
We’ve been lucky so far. A major hurricane hasn’t hit us in years, but that doesn’t mean it will not come around this year. Florida’s population has grown massively and many new residents have no idea how to prepare. Let’s start with the basics. Tropical Storm vs. Hurricane: A tropical storm shows the same cyclonic […]
Why a Homeowner’s Policy May Not Cover an Airbnb Rental?
Q: I have been thinking about joining Airbnb as a host and would be renting out a Granny suite in my home. When I talked about it with some friends, they said I shouldn’t do it because it would invalidate my homeowner’s policy. Is this true and is there something I can do about it? […]
The Need for Cyber Insurance in Business
Cyber insurance may sound like something out of a science fiction novel, but it’s on the rise, and is now considered a necessity in some circles. All it takes is a simple look back at data breaches in recent years such as Target to see why. Here are a few things to consider if you’re […]
Study Draws Connections Between Pot and Auto Accident Claims
A recent study claims that three states that recently legalized marijuana have had collision claims increase by 2.7 percent. Colorado, Washington, and Oregon have all passed laws that make it legal for pot to be used recreationally. However, the study does more to raise questions than draw any conclusions. More Data Needed One major problem […]
Florida Got Soaked in June, Many Without Flood Coverage
We told you so. The run up to summer turned out to be a case of good news/bad news. First, the good news – heavy rains doused drought conditions that contributed to over 2500 wildfires across the state. The bad news is still piling up. When early rain began to soak SoFlo in early June, […]
Is Your Florida Pool Safe?
In 2002, a little girl died before her mother’s eyes in a horrible and preventable accident. Virginia Graeme Baker died as a result of what is called “suction entrapment” in a family friend’s hot tub, held to the bottom by 700 pounds of suction from a drain. Fifteen years later, after a fair bit of […]