Coral Gables, FL 33146
We are open Monday thru Friday from 9:00 AM to 6:00 PM.
If you are visiting our office, please use the metered parking along Menendez Avenue. (Make your turn from Le Jeune Road, we are just South of US1.)
Does driving for Uber, UberEats, Lyft, or Other Transportation Network Companies Affect My Auto Policy?
Why Do I Have to List All of the Licensed Drivers in My Residence? What If I Just Exclude Them From My Policy?
- Opening Protection – all openings of your building have storm-rated opening protection (storm-rated windows, shutters, and storm-rated doors). This includes garage doors, front and side doors, windows, skylights, small bathroom windows, etc.
- Roof Geometry – Hip roofs receive the higher credit, as all sides of the roof are slanted upwards. Gable roofs have some sides that are flat. Flat roofs are not eligible for any credit.
- Building Code – Homes in Miami-Dade or Broward built after 1994 (with a permit date after 9/1/1994) are eligible for a building code credit. Outside of Miami-Dade and Broward counties, homes built after 2001 (with a permit date after 3/1/2002) are eligible for a credit.
- Roof Material – The type of material (shingle, tile, metal) used for the roof coverage may result in a credit.
- Roof Deck Attachment – Depending to how the roof deck is connected to the trusses of the roof, a possible credit is available. If the mitigation report shows longer nails that are closer together along the truss, a credit may be available.
- Roof-to Wall Attachment – The roof-to-wall attachment describes how the trusses of the roof are connected to the walls of the structure. The stronger the connection (single and double wraps) the higher the credit. Weaker connections such as Clips and Toe Nails may results in little to no credit.
- Coverage A – Dwelling:
- This would cover the structure of your building. For a Condo policy, this would cover the interior walls and fixtures of your unit.
- Coverage B – Other Structures:
- This would provide coverage for permanent sheds and detached structures such as garages.
- Coverage C – Personal Property:
- This would provide coverage for your personal items in the dwelling. If you are the homeowner and the property is rented out, it will not cover the personal property of your tenants. They should carry their own Renters policy to cover their personal property.
- Coverage D – Loss of Use/Fair Rental Value:
- In the event of a covered claim, this limit is applicable for renting a temporary place while repairs are made. If you are the homeowner and the property is rented out, this would respond for loss of rents during repairs for a covered cause of loss.
- Coverage E – Personal Liability:
- This coverage responds in the event of bodily injury or property damage caused to a third-party caused by the property owner or for which the property owner is liable for.
- Coverage F – Medical Payments:
This coverage is for a third-party, no matter who is at fault, in the event of an injury at your covered location.
Why Do I Need to Provide Proof of Repairs if my Insurance Company Did Not Make a Payment Towards my Claim?
I Live in a Condominium Building – How Can I Add Burglar and Fire Alarm and Sprinkler Credits to my Policy?
Does my General Liability policy cover injuries to my employees or any claims as a result of being an employer?
Why should my business carry Hired and Non-Owned Auto Liability (HNOA) coverage on our Business Auto policy or our General Liability policy?
This coverage provides valuable liability coverage for any Hired auto or Non-Owned Auto that might be in use on behalf of the business. For example, any employee or officer driving their personal vehicles to visit a client, attend a meeting, or visit a jobsite is driving on behalf of the business. Their vehicle is a non-owned vehicle to the business. In the event the employee is in an at-fault accident, their personal auto policy responds first (primary), and the HNOA coverage responds second to provide additional limits and defense coverage on behalf of the business. A hired auto example would be when an employee or officer rents a vehicle in the name of the business for a short-term period.
Many times, the government declares the floods as natural disasters. In such events, you can expect some compensation coming your way from the government as a relief fund. For all other events, you need to have the coverage of flood insurance to protect yourself from incurring heavy losses due to flooding.
You will need flood insurance coverage if you live in a designated flood zone. However, flooding can also affect other inland regions that don’t even have a river passing near them. Flooding can just as be devastating if the reason for it is melting snow, excessive rain, or an overflowing pond body of water.
- Damage caused to your property due to moisture or mold. These are regular problems caused by seepage and not by the flood. You can stop them from damaging your house by taking appropriate steps as soon as you notice them.
- Damage caused by earthquakes or landslides, even if floods were the cause for those earth movements.
- If you incur losses due to your business going down because of floods. You cannot claim those losses as the ones caused by the flood.
- When your building was already undergoing repairs that came off yet again because of the flood. Those already damaged portions of your house won’t get the protection of insurance coverage.
- Damages caused to your property outside of what you have got insured. This includes your patio lights, trees, fences, etc.
- Valuables, currency, and everything else that you could easily move to somewhere safer
- Motor vehicles and their parts also do not come under flood insurance coverage.