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FEMA Proposes New Flood Insurance Rate Maps for Tampa Bay

FEMA has finalized new detailed, digital Flood Insurance Rate Maps (FIRM’s) which determine residential flood zones and ultimately dictate the areas where mortgage lenders require flood insurance coverage. This pending change is expected to affect over 60,000 residents in the Tampa Bay area and letters are currently being sent out by local government agencies to notify residents of the anticipated changes.
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What is Building Ordinance or Law Coverage

Imagine the dismay that ensues when building owners realize that there are laws in place which may require partial reconstruction or renovation without any help from their insurance company. However, the dismay can transform to delight if their insurance professional informs them that they previously purchased the Ordinance or Law coverage endorsement on their insurance policy.
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How Do Roofs Affect the Cost of Homeowner’s Insurance?

Florida is referred to as the Sunshine State, but don’t let the term fool you. As any Floridian knows, our state has more than its fair share of adverse weather conditions. Whether rain, wind gusts, and even hail, Florida homes can take a beating and the majority of that beating falls squarely on roof of our homes. For this reason, homeowner’s insurance companies put a great deal of scrutiny on roof conditions before insuring a home. Insurance companies acquire and analyze a large amount of detailed data regarding how long roofs last and what the most common causes of damage are. Unfortunately, the results aren’t exactly cut & dry. While cause and age may be isolated, the rating basis for homeowner’s insurance carriers is commonly dictated by the type of roofs and how effective they have been in the past.
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