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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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The Difference Between General Liability & Professional Liability

Insurance agents commonly get asked about the difference between General Liability and Professional Liability. While both insurance policy types are designed to protect businesses from liability arising out of fault, general and professional liability are very different in the types of risks that they cover.
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Damage to homes from water leaking or busting pipes is one of the most common types of insurance claims, which speaks volumes as to why it is important to make sure your policy contains proper coverage for this type of incident. Many homeowners’ carriers are now limiting water damage coverage or entirely removing it from their policies when the age of the insured home reaches 40 years. This method of reducing coverage often catches policyholders off guard.
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