Episode 56: Jen Blackburn - What’s the Deal with Insurance in Northwest Florida?

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What's the deal with insurance
in northwest Florida?

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Hey, everybody,
I Nate your favorite mortgage guy.

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On this episode of Between Two Doors.

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We are talking to Jennifer.

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She is an insurance agent with Truecordia

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out of Niceville, Florida,
formerly Niceville Insurance Company.

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They've had a name change.

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Hey, I'm Nate Carver and welcome

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to Between Two Doors.

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Hey, Jennifer, how are you?

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I'm great.

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How are you?

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I'm doing good.

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We had a little winter, and.

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Yeah, it's over.

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I am so happy.
That is starting to warm up.

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I was freezing.

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Yeah, yeah. Me too.

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And I'm not good for winter.
I wasn't made for it.

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So tell us
a little bit of back, about you.

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When did you get into insurance,
and how did you come about that?

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I got an insurance in 2020.

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I just got into it by chance, honestly.

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We moved back into the area
of the Panhandle.

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We lived in the keys for 15 years.

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And we moved back here
is where my husband's family is from,

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and it was actually where I was
first stationed back in the day.

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I was in the Air Force.

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And, a job came here at Niceville
Insurance, and I took it.

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And here I am.

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Well, you know, I'll tell everybody

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you're my go to for insurance
in Northwest Florida.

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Things

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it's always about,
you know, it's about the policy

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and the quality of policy
and the cost of it.

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There's a lot of factors.

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And, you know, I've been doing
for the years I've known you.

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You know, you've been doing fantastic.

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To full disclosure,

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when I write a loan and not in Florida,
that's who I send it to.

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And we're going to find out why.

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So I truly appreciate it.

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Yeah.

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What do you for us

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to learn a little different
and a little different.

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I love the U.S.. I've been there.

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I got a sailed there
one year, quite by accident.

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Wasn't our destination,
but that's where we ended up.

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Oh, that's ended up
staying there for a solid week.

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Super cheap
when you bring your own hotel, you know.

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Yeah. Yeah.

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And, Gosh, it was it was, it was awesome.

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The weather is fantastic.
It was it was great.

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It was great.

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Oh, yeah.

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It's a lot.

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You know, we were there for so long, and,
I always tell people

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it's kind of like Groundhog Day
because it's the same every day.

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Like,
the weather is always kind of the same.

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And it's so small
when you're living there, you know.

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Everybody loves a go car.

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You know, everybody on the car
or a Vesper.

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Yeah.

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We didn't have a golf cart,

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but we lived, I would say
25, 30 miles from Key West, so.

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Oh, okay. We had to make the drive.

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Yeah. Yeah.

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Did you ever make it out of the drive
to Ortega?

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Yes. Yeah, you taught me.

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We used to go there on school trips
with my kids. Wow.

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Yeah.

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Yeah,
they got a seaplane that goes out there.

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Yeah.

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We stayed. Fun fact.

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So that's if you're a history buff.

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That's where Roger Mudd,
Roger Mudd, Doctor Mudd.

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I remember. Yeah.

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Connected to the Lincoln assassination.

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He. Freedom.

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Booth. John Wilkes booth.

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So they tried him and

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that's where they sentenced him?

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Yeah.

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Was to the Dry Tortugas prison.

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And when I sailed there,
we spent the night.

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I went over, was playing on the beach
or a storm kicked up a big storm,

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and there was no way I could get
the dinghy back out to the sailboat,

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nor did I want to.

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The people on both the boats are in that
little cove are going all over the place.

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Yeah.

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And, so I ended up staying in the.

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For the for.

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In his jail cell because it was

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the only one
that was really shielded from the wind.

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That's spooky. Yeah.

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I, I didn't sleep, I was afraid that
that hypothermia just was.

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The head was a swimsuit,

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and I'd been swimming all day,
and so it was raining sideways,

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and, so I sat there
and I looked out the window and every

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I could see them right
on the mast of all the boats out

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in that little bay and that little harbor,
moving all over the place.

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But the storm,
I was no better off than they were.

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But I got to sleep, and I got to sleep in
Doctor Mudd's prison cell.

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So I sat there.

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I would sit there all night
until exhaustion.

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Not sleeping, not sleeping.

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And the next day, the sun came up.

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It was gorgeous as you know.

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Beautiful.

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And, anyway, that's my connection to
Abraham Lincoln, and that's pretty cool.

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I've had some friends
that have stayed out there

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because they're, you know, Park

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park rangers and stuff, and, Yeah,
they said it can be pretty spooky.

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Yeah. Oh,

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definitely.

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Definitely. Like, you can see them.

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So it's a great thing.

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I'm glad if anybody know,
is this huge red brick octagon

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and you can look down the hallways
in either direction and it just goes on.

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It's massive.

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And it's empty and it's haunted

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and, Yeah. So.

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Okay.

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That's okay.

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That's that. That's my.

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Well, that's pretty cool.

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Yeah.

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So tell me why
this is the thing you love most

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about what you do in the insurance world.

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I think
it's just like looking at properties

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and trying to find the right fit and
make sure people have the best coverage

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and that they know
what they're getting into.

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Just being in South Florida and North
Florida and a little bit of time

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in the middle of Florida, I feel like
I know kind of the state in general.

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So, it just it really it
I enjoy looking at different properties

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and trying to figure out,
you know, how to best

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get them covered and even to cover them
because sometimes and, you know,

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in Florida,
it's not so easy, to get coverage.

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That you

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just right in the state of Florida
or you go.

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We have
I have licenses and actually in Texas,

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I've never really written over there,
but we are trying to branch out where,

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we've applied for, Alabama and Georgia.

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I think we have I already have Texas
and Louisiana, but, I haven't we've done

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a little bit of Alabama, just like coastal
and kind of closer to here.

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What? I have a branched out.

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I have licenses in the other states, but
I haven't actually done them too much yet.

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Right. Okay.

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So I'm going to state to Florida.

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Yeah. Florida.

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Florida is my specialty right now. Yeah.

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So way

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first time homebuyers.

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I love working with them.

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Then a bunch of them, too.

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And some of the cool
questions that they don't

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necessarily know

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or wouldn't, you know, wouldn't know that
they got their own lives to run.

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Yeah.

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At what point in the whole buying process
should

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should buyers talk to an insurance agent?

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I get a contract. I set up the line.

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Yeah. About from there.

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Right? Right. In the beginning.

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Because you kind of
want to know your estimates.

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Because depending on the home price range,
especially with your mortgage,

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with your lenders,
you're kind of want to know where you're

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where you're going to be.

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Payment wise, if that's what you're,
you know, kind of worried

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about a lot of people, especially
first time home buyers, I feel like

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are worried about, you know,
how much the mortgage is going to be.

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So right in the beginning, when you find
a house, it takes nothing for them to call

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or find an insurance agent
and just get an estimate.

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You know?

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I think that's really important
because sometimes you would think

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you look at a small house thing.

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That's not going to be very much.

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But depending on the age of the home,

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you know, things that haven't been updated

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in the home,
it can end up being quite pricey.

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So it's really good to kind of
get out there in the very beginning

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and try to get an estimate on it.

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At least, you know, just a quick estimate.

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So what can they expect

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that would be covered
in that homeowner's policy.

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So your traditional homeowner's
policy is going to be your dwelling

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your coverage a your other structures,
your contents and your loss of use.

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Those are kind of your big main four.

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And then from there

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you can add on separate coverages
depending on what you need for the house.

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But those are the big four.

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The biggest one with especially with
your lenders are replacement cost

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on your dwelling
on your dwelling coverage.

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So that has been a big one these days
because I feel like with Florida

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they try to do like a depreciated costs
on your roof and stuff depending on age.

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And I know lenders are kind of a
no no with that.

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So, you just really need a really know
what you're getting into

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when it comes to your coverage,
especially your dwelling contents.

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Contents is a little bit more malleable,
because that's kind of what you think

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you only like.

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It's you're anything you can unplug
and kind of shake out of your house.

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So, you know, you have a little more
say in what that number is.

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But, yeah, that's just like the biggest.

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Thing is that is is the contents.

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Is that required to be insured?

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With

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primary home insurance like occupied,
like owner occupied homes?

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A lot of them, a lot of standard home
insurance requires 25% of contents

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coverage based off your dwelling off
your coverage of your dwelling coverage.

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So a lot of them are
do have that picture the 25%.

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There are certain companies
that sometimes will go lower.

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And we're starting
to see a little more and more.

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So it's good to ask
if you want to go lower than that.

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Yeah.

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And if you're doing it as a rental though,
you can you can put it down to zero.

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There you go.

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And I was going to say sometimes,
sometimes the,

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the, the debt to income
ratio is just razor thin.

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Yeah.

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And you got two options either,

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you know, we look at buying less house,
putting more down

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or we're, we're looking at,
you know, our insurance,

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it's got to cover,
but maybe we don't have to cover 100%.

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Yeah. I mean, there's there's, you know.

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If content.

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Sorry, I didn't mean to interrupt you,

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but I think the contents isn't like,
your priority.

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Like, if you're really just price driven,
you can talk to the agent about taking

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the replacement cost of contents off
if it's a, you know, owner occupied home.

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Because that is a significant,
endorsement,

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because, you know, it guarantees
that if you lost your contents,

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they're going to give you
the exact amount of cost to buy it, right.

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Then if you take that endorsement off
to where they're giving you

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the depreciated cost of the TV
of the couch, you know,

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it's a pretty significant endorsement.

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So it can it can cut down in front of it.

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Also. Good.

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I think that's what's good.

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What's not covered?

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Like, what are you saying?

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What's not covered? Like,
your land is not covered.

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I think I was surprised by that.

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Sometimes it's only structure.

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So only. The structure.

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Yeah.

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So, like, most of the time,
your plants and stuff aren't covered.

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Trees aren't covered
unless it falls on your house.

248
00:11:27,840 --> 00:11:29,760
That's good to know. Let me. Yeah.

249
00:11:29,760 --> 00:11:31,520
So destroys property.

250
00:11:31,520 --> 00:11:35,440
You know, then I've been through the North
Texas or or North Florida are huge.

251
00:11:35,600 --> 00:11:35,840
They are.

252
00:11:35,840 --> 00:11:37,080
They are huge.

253
00:11:37,080 --> 00:11:40,040
And so yeah, I'm going to go rolling in.

254
00:11:40,040 --> 00:11:43,480
So if you lose one that's
not on the insurance, that's not covered.

255
00:11:43,560 --> 00:11:46,560
But unless it damages property.

256
00:11:46,880 --> 00:11:48,120
Then you got a different story. Okay.

257
00:11:48,120 --> 00:11:49,680
And then you got a different story.

258
00:11:49,680 --> 00:11:54,720
And then I think another big surprise
I think people are, shocked

259
00:11:54,720 --> 00:11:55,640
about is pests.

260
00:11:55,640 --> 00:11:58,640
So like, and here in North Florida,
the squirrels,

261
00:11:59,000 --> 00:12:02,600
if they get into your house,
into the walls and stuff,

262
00:12:02,760 --> 00:12:05,720
you know, a lot of people
call their insurance for damages on that.

263
00:12:05,720 --> 00:12:08,720
And pests are not covered by home
insurance.

264
00:12:09,320 --> 00:12:11,160
So squirrels, this crazy thing.

265
00:12:11,160 --> 00:12:15,440
Squirrels in north west Florida
love well, yeah.

266
00:12:15,760 --> 00:12:19,040
And they eat the LED facets on the
on your roof.

267
00:12:19,560 --> 00:12:19,800
Yeah.

268
00:12:19,800 --> 00:12:22,080
If they're made out of red, they will.

269
00:12:22,080 --> 00:12:23,320
That's how they get them.

270
00:12:23,320 --> 00:12:23,760
Yeah.

271
00:12:23,760 --> 00:12:26,760
Is that is that a thing that's covered
if it's under.

272
00:12:27,280 --> 00:12:30,080
If it's pests if you get in

273
00:12:30,080 --> 00:12:33,080
pest related
it is not covered in your home insurance.

274
00:12:33,320 --> 00:12:35,520
Wow. I didn't know that.

275
00:12:35,520 --> 00:12:38,240
Yeah I can't believe they paid it.

276
00:12:38,240 --> 00:12:40,000
I don't know how we have any proof left.

277
00:12:40,000 --> 00:12:40,800
I mean.

278
00:12:40,800 --> 00:12:43,840
That's why you see so many people
trying to get rid of, or, you know,

279
00:12:43,840 --> 00:12:46,880
trying to find ways
to get them away from their house and.

280
00:12:47,200 --> 00:12:48,360
Then the mouth or.

281
00:12:48,360 --> 00:12:49,720
Yeah, I mean, I don't know how long

282
00:12:49,720 --> 00:12:52,720
the squirrel lady lives
after eating a pound of leg.

283
00:12:53,120 --> 00:12:54,800
I don't. Know, I don't know.

284
00:12:54,800 --> 00:12:57,320
I think the ones around here
are superhuman. So.

285
00:12:57,320 --> 00:12:58,720
Yeah. Yeah.

286
00:12:58,720 --> 00:13:00,800
It's

287
00:13:01,960 --> 00:13:04,960
specific to Northwest Florida.

288
00:13:06,040 --> 00:13:09,040
Well, are there things that you're seeing
that are different

289
00:13:10,280 --> 00:13:13,280
versus the rest of Florida, or is there

290
00:13:14,280 --> 00:13:17,320
if someone is looking for insurance,
maybe they're considering

291
00:13:17,320 --> 00:13:20,360
insurance as part of their overall costs
for housing.

292
00:13:20,360 --> 00:13:23,360
Maybe if they're

293
00:13:23,600 --> 00:13:27,800
is there other zones or areas
that they should really try to avoid

294
00:13:27,800 --> 00:13:33,080
as far as you know, or are you seeing
where prices go up considerably?

295
00:13:33,560 --> 00:13:36,440
Well, I think anything on the coast
is definitely going to be a little higher

296
00:13:36,440 --> 00:13:38,280
because we don't have the market on.

297
00:13:38,280 --> 00:13:41,280
It is smaller,
so there's a lot of companies,

298
00:13:41,280 --> 00:13:43,960
you know, especially admitted companies,
standard Florida companies

299
00:13:43,960 --> 00:13:47,080
that don't, have a lot of coastal areas
blocked off.

300
00:13:47,560 --> 00:13:50,360
So you're limited to the amount of quote
you're going to get back

301
00:13:50,360 --> 00:13:52,520
or amount of rates,
and they're typically a little higher.

302
00:13:52,520 --> 00:13:55,680
So if you're looking for something
a little less

303
00:13:55,880 --> 00:13:58,880
something
not as close to the water usually helps.

304
00:13:59,240 --> 00:14:01,960
The newer the house, the better
the premium.

305
00:14:01,960 --> 00:14:05,080
I mean, I think people have already seen
starting to see that the older

306
00:14:05,080 --> 00:14:08,080
the house, it really a lot of times
just not matter.

307
00:14:08,400 --> 00:14:08,800
Yeah.

308
00:14:08,800 --> 00:14:10,920
Because they're just going to rate high
regardless.

309
00:14:10,920 --> 00:14:14,400
So an old house by the water
is probably your worst bet price.

310
00:14:14,440 --> 00:14:15,560
Okay.

311
00:14:15,560 --> 00:14:16,440
How about it?

312
00:14:16,440 --> 00:14:20,000
Is there anything like I always have
Interstate ten?

313
00:14:20,160 --> 00:14:23,160
Anything north of Interstate
ten tends to be.

314
00:14:23,280 --> 00:14:24,440
Very less expensive.

315
00:14:24,440 --> 00:14:26,360
Yeah, very less expensive South of that.

316
00:14:26,360 --> 00:14:29,120
And of course, closer
you can South Interstate ten.

317
00:14:29,120 --> 00:14:30,920
You're getting closer and closer to.

318
00:14:30,920 --> 00:14:32,680
Oh yeah, the Gulf of America.

319
00:14:32,680 --> 00:14:32,960
Yeah.

320
00:14:32,960 --> 00:14:35,960
The closer
the closer you get to that water.

321
00:14:36,000 --> 00:14:39,800
Prices go up a little bit and that's,
you know, all around that's cost us.

322
00:14:39,880 --> 00:14:43,440
Yeah. Yeah.
All over them. Yeah. All around

323
00:14:45,080 --> 00:14:48,080
and even
matter for what side of the street.

324
00:14:48,080 --> 00:14:50,280
Oh I know, I know, yeah.

325
00:14:50,280 --> 00:14:53,000
Yeah. Tough luck. Right.

326
00:14:53,000 --> 00:14:56,720
Well, let's say,
let's talk about wind and hurricanes.

327
00:14:57,480 --> 00:14:59,640
Yeah. A few named storms out there.

328
00:14:59,640 --> 00:15:04,040
In the past, what buyers
really need to know about those.

329
00:15:05,200 --> 00:15:09,360
So your biggest thing is your deductibles,
your hurricane deductibles.

330
00:15:09,360 --> 00:15:13,080
If you're with an admitted carrier
or one of the standard Florida carriers,

331
00:15:13,480 --> 00:15:17,080
you typically have a separate wind
and hurricane deductible.

332
00:15:17,440 --> 00:15:21,560
Your wind deductible is typically
the same as your all other payroll,

333
00:15:21,560 --> 00:15:25,280
which default average in Florida
is usually around 2500.

334
00:15:25,640 --> 00:15:28,640
And then your hurricane deductibles
about 2% of your coverage.

335
00:15:28,640 --> 00:15:33,560
A if there is a name storm anywhere around
Florida, tropical hurricane,

336
00:15:34,040 --> 00:15:35,720
everything will be tied to that
named storm.

337
00:15:35,720 --> 00:15:37,600
So it will automatically go into that

338
00:15:37,600 --> 00:15:40,600
hurricane deductible
most of the time anywhere.

339
00:15:40,600 --> 00:15:42,320
If that storm is anywhere around Florida,

340
00:15:43,560 --> 00:15:45,520
is. There is that so?

341
00:15:45,520 --> 00:15:46,720
Is there a limit?

342
00:15:46,720 --> 00:15:50,120
Let's say on the calendar,
if there's a named storm

343
00:15:51,280 --> 00:15:55,520
that the insurance companies will wait to,

344
00:15:56,720 --> 00:15:59,400
is there anything like that where they
they won't find

345
00:15:59,400 --> 00:16:03,080
a new insurance policy
or they'll wait till.

346
00:16:03,080 --> 00:16:07,160
Oh, yeah, they'll they'll put a
they'll put a close on all policies,

347
00:16:07,160 --> 00:16:08,080
on all bindings.

348
00:16:08,080 --> 00:16:12,160
Once a storm is in the Gulf, you can
pretty much shut all of Florida down.

349
00:16:12,560 --> 00:16:14,840
Yeah. Same with the winning side.

350
00:16:14,840 --> 00:16:17,840
Yeah. You know, and that's a no no

351
00:16:18,080 --> 00:16:22,120
where
we're at in the lending process once.

352
00:16:22,120 --> 00:16:24,200
Yeah. Once it's named we're stuck.

353
00:16:24,200 --> 00:16:24,880
Yeah.

354
00:16:24,880 --> 00:16:27,600
Well you can't get too far

355
00:16:27,600 --> 00:16:29,240
without the inserted in the lending.

356
00:16:29,240 --> 00:16:30,400
There's this. Right. Yeah.

357
00:16:30,400 --> 00:16:33,080
To chainsaws
is going to help the neighbor out.

358
00:16:33,080 --> 00:16:36,080
Exactly. And so then.

359
00:16:36,160 --> 00:16:40,280
Yeah then we're, we're left
with, we've got to get a, a

360
00:16:41,640 --> 00:16:43,960
confirmation
that the house is still there.

361
00:16:43,960 --> 00:16:45,920
New appraisal.

362
00:16:45,920 --> 00:16:46,760
Oh, yeah.

363
00:16:46,760 --> 00:16:49,720
You know,
so there's, you know, it's kind of a reset

364
00:16:49,720 --> 00:16:52,400
on the whole process,
but everybody's reset.

365
00:16:52,400 --> 00:16:54,200
So it really,

366
00:16:54,200 --> 00:16:55,400
you know, there's a plan.

367
00:16:55,400 --> 00:16:56,600
We'll work through it.

368
00:16:56,600 --> 00:16:59,600
We've have

369
00:17:00,080 --> 00:17:01,640
We've all been there.

370
00:17:01,640 --> 00:17:03,240
Yeah. Yeah.

371
00:17:03,240 --> 00:17:05,440
I might go some other direction.

372
00:17:05,440 --> 00:17:07,360
We've had plenty.

373
00:17:07,360 --> 00:17:09,520
Yeah.

374
00:17:09,520 --> 00:17:11,240
So are you.

375
00:17:11,240 --> 00:17:13,280
We never,

376
00:17:13,280 --> 00:17:14,120
I'll be buyers.

377
00:17:14,120 --> 00:17:15,840
They'll come in and look at a house.
They'll know.

378
00:17:15,840 --> 00:17:19,480
They'll find out the roof is, you know,
maybe it's got ten years left on it.

379
00:17:20,840 --> 00:17:23,640
There's significant

380
00:17:23,640 --> 00:17:26,640
savings to putting a new roof on there.

381
00:17:27,120 --> 00:17:29,400
There is. Depending.

382
00:17:29,400 --> 00:17:33,040
While the more updated the roof is
and you usually have more of the credits

383
00:17:33,040 --> 00:17:37,640
are that are required to get,
you know, to get their the lesser premium.

384
00:17:37,920 --> 00:17:40,160
So it's better to have an updated roof.

385
00:17:40,160 --> 00:17:42,960
But a lot of companies,
even though they're trying to get away

386
00:17:42,960 --> 00:17:47,520
from making it a 15 year roof,
they still require it.

387
00:17:47,520 --> 00:17:49,040
And, you know,

388
00:17:49,040 --> 00:17:53,160
so if you have anything over 15 years,
the same thing,

389
00:17:53,160 --> 00:17:54,640
you're not going to get as many quotes
back.

390
00:17:54,640 --> 00:17:56,560
You're not going to get
as many rates back.

391
00:17:56,560 --> 00:17:59,360
So if you're within
the 15 year mark, though,

392
00:18:00,360 --> 00:18:01,920
you probably are okay.

393
00:18:01,920 --> 00:18:05,680
It's just yeah, depending on the company
you go with, once you hit that 15

394
00:18:05,680 --> 00:18:07,360
mark, a lot of them
expect you to get a new roof.

395
00:18:07,360 --> 00:18:10,760
So it's just the cost
that you're going to have after the fact.

396
00:18:10,960 --> 00:18:13,960
But definitely
the more updated the houses,

397
00:18:14,200 --> 00:18:17,200
the better you are going to get in credits
all the way around.

398
00:18:18,160 --> 00:18:20,840
And with that,
you have a special little clip

399
00:18:20,840 --> 00:18:23,840
called what is Hurricane Clip, right.

400
00:18:23,920 --> 00:18:25,040
Is that the official.

401
00:18:25,040 --> 00:18:28,240
Is that really the clip is hurricane clip

402
00:18:29,320 --> 00:18:32,320
and it's a real it goes on the joints

403
00:18:32,320 --> 00:18:36,080
in the joints in the roof framing.

404
00:18:36,440 --> 00:18:37,520
Yeah. Right.

405
00:18:37,520 --> 00:18:40,520
And so is that

406
00:18:40,880 --> 00:18:45,720
I know that was made about some deals
and people run and go get that stuff done.

407
00:18:45,720 --> 00:18:49,400
It is super easy to do when they're not
when you're putting a new roof on.

408
00:18:49,440 --> 00:18:50,080
Yeah.

409
00:18:50,080 --> 00:18:54,760
To put those in not so easy to do,
I guess whenever once that's done.

410
00:18:55,160 --> 00:18:58,800
You know, going in after the fact
still cost you a few thousand dollars

411
00:18:58,800 --> 00:19:00,720
and it's just an issue.

412
00:19:00,720 --> 00:19:04,400
But you definitely want to when you're
looking at your homes with the roofs,

413
00:19:04,800 --> 00:19:07,040
because most all the time
you're going to want to get

414
00:19:07,040 --> 00:19:09,080
a wind mitigation
in the four point inspection.

415
00:19:09,080 --> 00:19:13,040
When you're buying a house in Florida,
especially if it's an older home,

416
00:19:13,320 --> 00:19:17,280
always the four point, the newer homes,
you don't need the four point as much.

417
00:19:17,280 --> 00:19:20,280
It's just nice to know
what all is in the house,

418
00:19:20,720 --> 00:19:23,680
you know, just so you don't
get any surprises in the other way.

419
00:19:23,680 --> 00:19:26,680
But the wind mitigation, you're going
to want to look for those hurricane clips.

420
00:19:27,120 --> 00:19:28,400
That is a big credit.

421
00:19:28,400 --> 00:19:32,360
The longer nails, and the pattern

422
00:19:32,360 --> 00:19:35,440
that it's
in, there is a larger credit for that too.

423
00:19:36,440 --> 00:19:39,880
Secondary water resistance has been
getting a little bit more of a credit

424
00:19:39,880 --> 00:19:43,400
than it has in the past, but
it's still not as big as the other two.

425
00:19:43,920 --> 00:19:45,800
The Florida building code credit,

426
00:19:45,800 --> 00:19:49,640
as long as it's over a 2003 roof,
you're going to get that.

427
00:19:49,640 --> 00:19:51,880
So that's a large one also.

428
00:19:51,880 --> 00:19:55,720
And then of course, hurricane protection,
which the only time

429
00:19:55,720 --> 00:19:57,320
you're going to get
that hurricane protection credit

430
00:19:57,320 --> 00:20:00,320
is if every opening in your house
is hurricane rated. So

431
00:20:01,480 --> 00:20:04,480
not too many people
have that one as much as the other ones.

432
00:20:05,240 --> 00:20:07,480
Is there the wind mitigation

433
00:20:07,480 --> 00:20:10,480
or the four point inspection?

434
00:20:11,000 --> 00:20:11,960
Our home that's

435
00:20:11,960 --> 00:20:15,320
been here in implemented in Florida
for a while is that,

436
00:20:16,160 --> 00:20:20,360
are you finding homes
that are like a large percentage of homes

437
00:20:20,360 --> 00:20:24,760
that aren't protected
or don't have that upgrade, or is I'm

438
00:20:24,760 --> 00:20:29,240
curious, is at some point you would think
all sterling, all new homes being built.

439
00:20:29,400 --> 00:20:30,960
Oh, yeah. The code.

440
00:20:30,960 --> 00:20:31,760
Oh yeah.

441
00:20:31,760 --> 00:20:34,040
If it's a brand new home,
you don't need any inspections

442
00:20:34,040 --> 00:20:36,240
because they're getting
all the county code credits.

443
00:20:36,240 --> 00:20:39,680
They're getting everything because
everything in this area now is county code

444
00:20:39,680 --> 00:20:43,600
wise, having to have opening protection,
all of the roof, everything.

445
00:20:43,760 --> 00:20:45,280
So it gets it automatically.

446
00:20:45,280 --> 00:20:46,920
It's usually your older homes

447
00:20:46,920 --> 00:20:50,320
and you'd be surprised
people are still getting roofs put on

448
00:20:50,320 --> 00:20:54,600
and just don't know to look for
you know, ask for the hurricane clips

449
00:20:54,600 --> 00:20:58,440
and the longer nails and they're still
keeping the smaller nails and not paying.

450
00:20:58,480 --> 00:21:01,760
And they're keeping the toenails, which is
what's outside of the hurricane clip.

451
00:21:01,760 --> 00:21:04,200
That's not as, good of a credit.

452
00:21:04,200 --> 00:21:06,560
And it's just not knowing that.

453
00:21:06,560 --> 00:21:08,240
Yeah, they should put it on there.

454
00:21:08,240 --> 00:21:12,000
And so, yeah, you're still getting
new roofs that don't have the credits.

455
00:21:12,520 --> 00:21:14,320
And what if it does it?

456
00:21:14,320 --> 00:21:16,680
It doesn't have the hurricane clips
the went for.

457
00:21:16,680 --> 00:21:18,960
If it doesn't
then it's going to get rated without it.

458
00:21:18,960 --> 00:21:21,720
And it's usually a pretty big it's job.

459
00:21:21,720 --> 00:21:22,480
Yeah.

460
00:21:22,480 --> 00:21:25,480
Yeah I've seen some the cost to do it.

461
00:21:25,720 --> 00:21:27,520
I've seen the interest rate
or the interest rate.

462
00:21:27,520 --> 00:21:29,120
I've seen the insurance policies.

463
00:21:30,200 --> 00:21:31,880
The, the cost of

464
00:21:31,880 --> 00:21:34,880
not doing it is significant.

465
00:21:34,880 --> 00:21:39,000
But the cost to go in
and do the hurricane clips,

466
00:21:39,520 --> 00:21:43,720
I was like this will pay for itself
in four months or 4 to 6 months.

467
00:21:43,760 --> 00:21:49,400
And in the difference in your insurance
premium and there are like,

468
00:21:49,560 --> 00:21:52,400
you know, there's a no brainer
just like do this, we get this done.

469
00:21:52,400 --> 00:21:54,960
I think, you know, in that case,
in that specific case,

470
00:21:54,960 --> 00:21:56,800
they were replacing the roof anyway.

471
00:21:56,800 --> 00:21:58,200
And they're like, should we do this?

472
00:21:58,200 --> 00:22:02,880
Part of the seller didn't want to do it,
but the buyer definitely want to do it.

473
00:22:02,880 --> 00:22:06,320
Yeah, I can't tell you
what you can do on that one but I don't to

474
00:22:06,440 --> 00:22:10,160
we do You're buying a new house
and then getting that roof replaced.

475
00:22:10,160 --> 00:22:12,920
I would make sure that's all getting done.

476
00:22:12,920 --> 00:22:15,680
Yeah, it was incredibly.

477
00:22:15,680 --> 00:22:19,440
It was, it was
it was inexpensive to do that compared to.

478
00:22:20,720 --> 00:22:24,000
It is way easier to add it
on to the replacement of a roof than it is

479
00:22:24,000 --> 00:22:27,840
to go back after the fact and do it or not
have it at all.

480
00:22:29,040 --> 00:22:30,600
Yeah.

481
00:22:30,600 --> 00:22:31,040
All right.

482
00:22:31,040 --> 00:22:35,000
So House being a brand new home buyer,

483
00:22:35,720 --> 00:22:39,680
should a homeowner revisit,
their insurance policy.

484
00:22:40,080 --> 00:22:42,320
I'd like to tell my customers
to look at it every year.

485
00:22:42,320 --> 00:22:48,040
And only because we've seen in the past,
you know, not from right now.

486
00:22:48,040 --> 00:22:50,600
Everything's
kind of steady and stable and plateauing.

487
00:22:50,600 --> 00:22:53,760
So the increases haven't been too crazy
if you're in something.

488
00:22:54,320 --> 00:22:58,040
But we've seen in the last few years
that it can be different

489
00:22:58,040 --> 00:23:01,440
and it'll just jump up and go
crazy and companies leave.

490
00:23:01,440 --> 00:23:04,120
So I really have everybody review
every year.

491
00:23:04,120 --> 00:23:07,680
Just so you know what your prices are,
because a lot of times, especially,

492
00:23:08,320 --> 00:23:11,440
customers that have their homes
escrowed, you know, because a lot of us

493
00:23:11,440 --> 00:23:13,760
don't look at it,
you don't look at your renewals.

494
00:23:13,760 --> 00:23:17,440
And then if they have their homes
as road, they're not finding out

495
00:23:17,440 --> 00:23:21,800
that their insurance rates went up
until six months into the new policy,

496
00:23:21,800 --> 00:23:25,360
because that's when the escrow
is actually being reviewed and caught up.

497
00:23:25,680 --> 00:23:28,760
And so, you know, you know,
as you know now you're getting

498
00:23:29,240 --> 00:23:32,720
a little bit of increase from back pay
and a little bit of increase

499
00:23:32,720 --> 00:23:34,880
as a projection of what your next one is.

500
00:23:34,880 --> 00:23:39,680
So if you have an eye on it
every year, you really have to know

501
00:23:39,680 --> 00:23:40,760
what you're getting into.

502
00:23:40,760 --> 00:23:42,480
You know, price wise,
how much it's gone up,

503
00:23:42,480 --> 00:23:46,400
how much to expect it on, you know, the
lender side or the mortgage side to go up

504
00:23:46,840 --> 00:23:47,400
and you're not,

505
00:23:47,400 --> 00:23:49,080
you know, half way in the middle of a year

506
00:23:49,080 --> 00:23:51,320
going, oh my goodness
I want to change my insurance

507
00:23:52,520 --> 00:23:55,760
and how to do the whole refund
and all that stuff.

508
00:23:55,760 --> 00:23:59,360
So I really encourage people
to renew it every year if they can.

509
00:23:59,800 --> 00:24:00,440
All right.

510
00:24:00,440 --> 00:24:04,080
Any, any life changes or home changes

511
00:24:04,080 --> 00:24:09,320
that might trigger the homeowner
at that point to, to reach out to you.

512
00:24:09,760 --> 00:24:10,280
Definitely.

513
00:24:10,280 --> 00:24:11,840
Any upgrades, you know,

514
00:24:11,840 --> 00:24:16,280
if you're putting a pool in
or if you're resurfacing your home,

515
00:24:16,280 --> 00:24:18,680
like if you're going from like a wood
siding to a hardy

516
00:24:18,680 --> 00:24:21,440
plank siding, Hardy flake
siding is a much better product,

517
00:24:21,440 --> 00:24:23,040
and you get a little bit of credits
for that.

518
00:24:23,040 --> 00:24:26,120
So any kind of anytime
you do an update to the home,

519
00:24:26,120 --> 00:24:29,240
even if you don't know
if you get credits for it or whatnot, it's

520
00:24:29,240 --> 00:24:31,520
always good to reach out to your agent,
just,

521
00:24:31,520 --> 00:24:34,520
you know, having a pool, you want to make
sure you're covered for that pool

522
00:24:34,520 --> 00:24:35,400
because, yeah,

523
00:24:35,400 --> 00:24:37,200
you know, a lot of times
with a lot of companies

524
00:24:37,200 --> 00:24:39,360
nowadays,
they don't really go up in coverage

525
00:24:39,360 --> 00:24:42,400
unless the customer reaches out and says,
I want to increase it.

526
00:24:42,400 --> 00:24:45,560
So, you know, I think a lot of people
are probably under-covered

527
00:24:45,920 --> 00:24:48,280
that have been in a policy
setting for a long time.

528
00:24:48,280 --> 00:24:52,520
So it's always good for any kind of
update or upgrade to kind of reach out.

529
00:24:53,120 --> 00:24:53,600
Okay.

530
00:24:54,600 --> 00:24:57,520
Briefing, I think we talked a little bit
about that.

531
00:24:57,520 --> 00:24:59,160
You said about 15 years.

532
00:24:59,160 --> 00:25:01,880
Out, 15 years for metal,
you can go about 30.

533
00:25:01,880 --> 00:25:04,320
They've they've gone out
a little bit farther on that one.

534
00:25:04,320 --> 00:25:05,520
So that's nice.

535
00:25:05,520 --> 00:25:09,200
I find that concrete tile
is probably the hardest.

536
00:25:09,200 --> 00:25:11,040
They're not looked at as long as metal.

537
00:25:11,040 --> 00:25:13,560
They're about 25, 20, 25 years.

538
00:25:13,560 --> 00:25:17,760
They're still kind of hard on them,
which is hard for all of Florida because

539
00:25:18,480 --> 00:25:19,200
especially South

540
00:25:19,200 --> 00:25:23,360
Florida and parts of North Florida,
they really like the concrete tile roof.

541
00:25:23,400 --> 00:25:24,240
Yeah.

542
00:25:24,240 --> 00:25:28,280
And you would think they
that having more longevity, but, metal

543
00:25:28,280 --> 00:25:31,640
seems to be the one that kind of goes out
a little farther right now.

544
00:25:32,320 --> 00:25:35,080
Do you know if there's a roof type

545
00:25:36,440 --> 00:25:38,720
that has, like,

546
00:25:38,720 --> 00:25:41,160
I don't know, the one and done
never happened?

547
00:25:41,160 --> 00:25:43,880
No. Ever again. No.

548
00:25:43,880 --> 00:25:45,360
I've seen concrete.

549
00:25:45,360 --> 00:25:48,600
Reinforced concrete probably doesn't
get messed with the most, but that.

550
00:25:48,640 --> 00:25:49,520
Yeah.

551
00:25:49,520 --> 00:25:53,480
You know, yeah, I never know.

552
00:25:53,480 --> 00:25:58,400
I always I love the idea
of having a tin roof, but I saw they were

553
00:25:58,400 --> 00:26:01,480
somebody was advertising a 50 year roof

554
00:26:01,480 --> 00:26:04,480
made out of tires, recycled tires.

555
00:26:05,120 --> 00:26:06,040
Yeah. I've never I never.

556
00:26:06,040 --> 00:26:08,040
Thought. That,

557
00:26:08,040 --> 00:26:10,480
I think every everything has a guarantee.

558
00:26:10,480 --> 00:26:12,320
That's why I, you know, a lot of customers
come off.

559
00:26:12,320 --> 00:26:14,320
I got a 30 year guarantee on the shingle.

560
00:26:14,320 --> 00:26:18,120
I'm like, well, I understand,
you know, on the shingle itself,

561
00:26:18,120 --> 00:26:23,000
but when it comes to, you know, weather
and stuff in Florida, the insurance stuff.

562
00:26:23,000 --> 00:26:23,840
Yeah, look at that.

563
00:26:23,840 --> 00:26:26,880
I read that they are on
fire there in the sky.

564
00:26:27,200 --> 00:26:27,400
Yeah.

565
00:26:28,440 --> 00:26:29,360
It gets a.

566
00:26:29,360 --> 00:26:31,040
We're down a little bit.

567
00:26:31,040 --> 00:26:31,800
Yeah.

568
00:26:31,800 --> 00:26:32,240
Yeah.

569
00:26:32,240 --> 00:26:35,240
It has the they and all of that.

570
00:26:35,400 --> 00:26:37,080
Do you see any anybody underinsured.

571
00:26:37,080 --> 00:26:39,080
Is that pretty common or.

572
00:26:39,080 --> 00:26:39,440
Yeah.

573
00:26:39,440 --> 00:26:39,920
And and

574
00:26:39,920 --> 00:26:43,160
I'll kind of touched on a little bit,
I feel like when you've been in a policy

575
00:26:43,160 --> 00:26:47,480
for a long time, and if you don't review
your insurance and, you know,

576
00:26:47,480 --> 00:26:52,040
the cost of stuff has obviously gone up
quite a bit the last 2 or 3 years.

577
00:26:52,520 --> 00:26:56,000
So the cost of, you know, build
a house is not the same as it was a couple

578
00:26:56,040 --> 00:26:57,120
years ago.

579
00:26:57,120 --> 00:26:59,840
And if you don't actively call out
and try to,

580
00:26:59,840 --> 00:27:03,280
you know, get your insurance increased,
a lot of times it's not where it quite

581
00:27:03,320 --> 00:27:03,720
needs to be.

582
00:27:03,720 --> 00:27:05,720
If you've had if you've been sitting
with it for a while,

583
00:27:05,720 --> 00:27:08,600
your brand new homes that were
now insuring, yeah, they're getting more

584
00:27:08,600 --> 00:27:12,400
of the today's prices,
when it comes to quotes and rates.

585
00:27:12,400 --> 00:27:14,120
But yeah,
if you've been sitting in one for a while,

586
00:27:14,120 --> 00:27:17,080
you definitely want to reach out
and just make sure.

587
00:27:17,080 --> 00:27:22,280
Okay, let's talk about biggest
myths or mistakes

588
00:27:22,280 --> 00:27:26,560
that you see, buyers
making when they're buying a home.

589
00:27:26,560 --> 00:27:27,920
They're looking at insurance.

590
00:27:27,920 --> 00:27:30,680
What are you seeing that you're like,
oh, I would do that.

591
00:27:30,680 --> 00:27:31,160
You know.

592
00:27:32,200 --> 00:27:33,400
I think the biggest pet

593
00:27:33,400 --> 00:27:37,360
peeve for me is, really quotes.

594
00:27:37,360 --> 00:27:39,360
So like,
if you go out and get an insurance

595
00:27:39,360 --> 00:27:42,680
quote, especially from, you know,
kind of a broker type of agency like us,

596
00:27:43,400 --> 00:27:45,360
we're all writing with the same people.

597
00:27:45,360 --> 00:27:49,240
So if you're getting quoting someone else
and you got one of our quotes,

598
00:27:49,760 --> 00:27:52,160
they're going to be exactly the same.

599
00:27:52,160 --> 00:27:55,160
A lot of times
you really got to look at your

600
00:27:55,360 --> 00:27:59,400
coverages, amounts
and what's been added endorsement wise.

601
00:27:59,720 --> 00:28:02,400
And so if you're getting something
that's drastically different,

602
00:28:02,400 --> 00:28:05,720
it's really nice if you get with the agent
that you were originally working with

603
00:28:05,720 --> 00:28:08,720
or whoever you got an estimate from,
and really go through and find out why.

604
00:28:09,000 --> 00:28:10,400
So you know what you're getting into.

605
00:28:10,400 --> 00:28:12,880
Because a lot of people,
if they're coming in significantly lower

606
00:28:12,880 --> 00:28:16,040
than what someone else is giving you, it's
because something was taken off

607
00:28:16,360 --> 00:28:19,880
that you might have needed
or wanted and not, you know, been told.

608
00:28:20,200 --> 00:28:21,080
Yeah, otherwise.

609
00:28:21,080 --> 00:28:23,560
So I would think that's,
the biggest thing

610
00:28:23,560 --> 00:28:25,880
when you're buying a home
is when you go out and get rates.

611
00:28:25,880 --> 00:28:27,680
It's just to really look at,

612
00:28:27,680 --> 00:28:29,720
you know, your different quotes
and what you're covered by

613
00:28:29,720 --> 00:28:31,640
because we all kind of right
with the same name.

614
00:28:31,640 --> 00:28:35,000
The Florida standard
carriers are the same all the way around.

615
00:28:35,000 --> 00:28:39,440
So, yeah, that's kind of our biggest pet
peeve on this side.

616
00:28:39,760 --> 00:28:43,880
Other surprises
with buying a home in Florida.

617
00:28:44,480 --> 00:28:47,320
I mean, I think they think, you know,

618
00:28:47,320 --> 00:28:50,800
when it comes to Florida premiums,
that it's the home insurance.

619
00:28:51,080 --> 00:28:53,240
It's really just the wind coverage.

620
00:28:53,240 --> 00:28:55,720
The wind coverage
is the brunt of your premium.

621
00:28:55,720 --> 00:28:59,240
So like your typical home
insurance policy is probably similar

622
00:28:59,240 --> 00:29:00,560
to what you get in other states

623
00:29:01,520 --> 00:29:04,240
that cost, you know, very, very low.

624
00:29:04,240 --> 00:29:06,760
But once you add that wind coverage,
that's your brunt.

625
00:29:06,760 --> 00:29:07,520
So the higher

626
00:29:07,520 --> 00:29:11,400
you put that deductible on that wind,
usually the lower you can bring it down.

627
00:29:12,920 --> 00:29:13,400
Yeah.

628
00:29:13,400 --> 00:29:17,720
And lenders you know,
lenders will work with borrowers on

629
00:29:19,160 --> 00:29:22,880
how much you know the
you know the premium.

630
00:29:22,920 --> 00:29:26,960
So they may
maybe maybe you have a higher deductible.

631
00:29:27,400 --> 00:29:32,160
As the lender will want to see
cash reserve because you own

632
00:29:32,160 --> 00:29:34,960
you might have a $50,000 deductible
I don't know.

633
00:29:34,960 --> 00:29:35,960
Yeah, yeah.

634
00:29:35,960 --> 00:29:39,360
If you don't have $50,000 in the bank,
some.

635
00:29:42,080 --> 00:29:43,040
Yeah.

636
00:29:43,040 --> 00:29:44,000
You know, and the lender's

637
00:29:44,000 --> 00:29:47,120
not going to want you to get set
up, to be set up for failure.

638
00:29:47,120 --> 00:29:49,400
Really. You know, I don't as a loan.

639
00:29:49,400 --> 00:29:53,400
So I want to make sure we got
a great product that fits your budget.

640
00:29:53,400 --> 00:29:57,920
And and that's why, you know, working with
you is on the insurance piece.

641
00:29:58,560 --> 00:30:02,080
You know, that's just one of,
you know, you're part of the team.

642
00:30:02,600 --> 00:30:03,880
Yeah. Team.

643
00:30:03,880 --> 00:30:06,880
Team homeownership. Team. Eldership.

644
00:30:06,960 --> 00:30:08,840
Well,
I tell everybody, when we have customers

645
00:30:08,840 --> 00:30:11,040
that call in wanting to raise everything,
I'm always like, well,

646
00:30:11,040 --> 00:30:14,480
you need to clear if you have a lender,
you need to clear that lender

647
00:30:14,480 --> 00:30:18,080
before we make any changes, because, yeah,
they'll come back and find you.

648
00:30:18,680 --> 00:30:19,160
Yeah.

649
00:30:19,160 --> 00:30:22,880
You know, you want to make sure you're
well protected. So.

650
00:30:22,880 --> 00:30:24,680
Yeah. Exactly.

651
00:30:24,680 --> 00:30:27,120
The biggest myth about Florida insurance.

652
00:30:29,360 --> 00:30:32,280
I don't really know of any myths.

653
00:30:32,280 --> 00:30:34,400
I mean, it's it's high.

654
00:30:34,400 --> 00:30:36,320
I mean, that's, you know,
I think that's the biggest one.

655
00:30:36,320 --> 00:30:39,440
Everyone thinks when they come in here
is that Florida insurance is super high.

656
00:30:39,440 --> 00:30:43,400
And it is it's the highest in the nation
when it comes to home auto,

657
00:30:44,240 --> 00:30:47,000
pretty much all of it. So,

658
00:30:47,000 --> 00:30:50,600
trying to think of something that was
what have you heard?

659
00:30:50,600 --> 00:30:53,600
Have you heard anything?

660
00:30:55,480 --> 00:30:56,360
I think.

661
00:30:56,360 --> 00:30:59,480
Premiums. Will get into flood zones.

662
00:30:59,960 --> 00:31:01,200
Oh, yeah. Flood zones.

663
00:31:01,200 --> 00:31:02,680
Oh, you know, the flood

664
00:31:02,680 --> 00:31:05,960
zone is not a myth,
but the one thing that is kind of thought

665
00:31:05,960 --> 00:31:10,240
about with flood is usually the higher
you're like, I'm, I'm on high ground.

666
00:31:10,240 --> 00:31:13,240
So that flood shouldn't be as expensive
as it is.

667
00:31:13,280 --> 00:31:15,680
And in the past,
that made a big difference.

668
00:31:15,680 --> 00:31:16,000
Yeah.

669
00:31:16,000 --> 00:31:19,280
The FEMA has changed their flood rating

670
00:31:19,280 --> 00:31:22,760
for the first time in like 30 to 40 years
a couple of years ago.

671
00:31:22,760 --> 00:31:27,080
And so now distance to water
is actually very large contender.

672
00:31:27,200 --> 00:31:30,360
Yeah. That's the one I've seen. Builders.

673
00:31:30,360 --> 00:31:32,480
They're like,
oh, we're building it on a burden on more.

674
00:31:32,480 --> 00:31:35,840
We've built up,
What it doesn't matter anymore.

675
00:31:35,880 --> 00:31:36,440
It doesn't.

676
00:31:36,440 --> 00:31:36,800
Yeah.

677
00:31:36,800 --> 00:31:39,280
That that has changed.

678
00:31:39,280 --> 00:31:41,200
And so it doesn't really.

679
00:31:41,200 --> 00:31:44,240
The rest of the coast
has become a larger factor.

680
00:31:44,560 --> 00:31:46,520
Yeah, yeah, yeah.

681
00:31:47,800 --> 00:31:48,440
That's interesting.

682
00:31:48,440 --> 00:31:48,600
Yeah.

683
00:31:48,600 --> 00:31:49,800
That's the one I know of.

684
00:31:49,800 --> 00:31:53,480
One thing
you wish every homeowner understood about,

685
00:31:54,000 --> 00:31:57,000
my home for storm season.

686
00:31:58,840 --> 00:32:02,000
I think the biggest thing
is just keeping your home cleared up.

687
00:32:02,000 --> 00:32:03,560
So your trees.

688
00:32:03,560 --> 00:32:05,560
We have a lot of people that start,
you know,

689
00:32:05,560 --> 00:32:08,200
making sure you're looking at your trees
and which way they could fall.

690
00:32:08,200 --> 00:32:10,560
And maybe, you know,
I won't say cut down trees,

691
00:32:10,560 --> 00:32:15,080
but make sure it's all turned up and,
you know, not so close to your home

692
00:32:15,080 --> 00:32:18,720
keeping you know, debris out of the yards
when a storm comes.

693
00:32:19,400 --> 00:32:21,320
Just making sure you have shutters.

694
00:32:21,320 --> 00:32:23,360
If you don't, you know,
you don't have that impact rating.

695
00:32:23,360 --> 00:32:26,240
You want shutters in front of your doors
and windows just for things that fly.

696
00:32:26,240 --> 00:32:29,240
Just being prepared for stuff like that
when it comes to your home

697
00:32:29,360 --> 00:32:32,000
and securing it up
before you leave is a lot of times

698
00:32:32,000 --> 00:32:34,560
if the storm's big enough,
you know we all take off,

699
00:32:34,560 --> 00:32:38,400
but just you know, paying attention
to what you have around your house

700
00:32:38,400 --> 00:32:39,800
when it comes to storm season,

701
00:32:39,800 --> 00:32:42,800
just because anything becomes a missile
at that point.

702
00:32:42,800 --> 00:32:46,120
Yeah, you're and you're,

703
00:32:46,120 --> 00:32:50,080
you're you're talking about trees earlier,
your city, the county

704
00:32:50,200 --> 00:32:55,440
and your electric company
or co-op will come and clear powerlines.

705
00:32:56,840 --> 00:32:57,680
Oh, yeah.

706
00:32:57,680 --> 00:32:59,600
Before the storm watch. Yep.

707
00:32:59,600 --> 00:33:04,000
That way, you know, you don't have a limb
that falls over and wipes out your power.

708
00:33:04,040 --> 00:33:04,680
Other crops.

709
00:33:04,680 --> 00:33:07,080
They're great about picking up debris
before or after.

710
00:33:07,080 --> 00:33:08,200
I mean, there's always.

711
00:33:08,200 --> 00:33:10,000
I've been trying to work with you.

712
00:33:10,000 --> 00:33:13,240
I feel like in these places where
we get the hurt, you get hit by hurricane.

713
00:33:13,240 --> 00:33:17,080
So it's not that, you know,
you don't have it accessible to you.

714
00:33:17,080 --> 00:33:20,080
It's just getting out there
and making sure it's all done.

715
00:33:20,120 --> 00:33:23,240
All right, some closing questions.

716
00:33:23,240 --> 00:33:24,920
Rapid fire, if you will.

717
00:33:24,920 --> 00:33:27,920
One tip,

718
00:33:28,080 --> 00:33:31,080
one tip for first time homebuyer.

719
00:33:33,320 --> 00:33:34,920
One tip for first time homebuyer.

720
00:33:34,920 --> 00:33:38,360
I would just say make sure you look into
estimates for home insurance.

721
00:33:38,360 --> 00:33:41,520
I think that becomes the biggest surprise
that people don't think about

722
00:33:41,520 --> 00:33:42,960
when it comes to buying a house.

723
00:33:42,960 --> 00:33:46,560
Is you don't think about the price
of your home insurance.

724
00:33:46,560 --> 00:33:48,880
And here in Florida,
that's kind of one thing,

725
00:33:48,880 --> 00:33:51,160
especially in Florida,
you need to kind of pay attention to

726
00:33:51,160 --> 00:33:54,280
because it's a little different river
market than it is in other states.

727
00:33:55,280 --> 00:33:55,960
All right.

728
00:33:55,960 --> 00:33:59,240
And one tip for a seasoned homeowner.

729
00:34:00,640 --> 00:34:03,560
Keeping up with your renewals, making

730
00:34:03,560 --> 00:34:07,760
sure your house is updated, keeping up
and watching your prices every year

731
00:34:07,760 --> 00:34:11,640
so you know, you're not so surprised,
when things come to fruition.

732
00:34:11,640 --> 00:34:14,640
And also making sure your home is covered.

733
00:34:14,840 --> 00:34:16,520
There you go.

734
00:34:16,520 --> 00:34:19,400
What's something you wish
any of them would ask you

735
00:34:19,400 --> 00:34:20,720
when they're looking for insurance?

736
00:34:20,720 --> 00:34:22,400
What's that thing you're like?

737
00:34:22,400 --> 00:34:25,400
Oh, they didn't ask.

738
00:34:26,320 --> 00:34:29,000
That's a good question.

739
00:34:29,000 --> 00:34:32,000
I come up with them from time to.

740
00:34:32,320 --> 00:34:35,960
Kind of think of what it is
that I wish people would ask.

741
00:34:36,640 --> 00:34:38,840
I would say,

742
00:34:38,840 --> 00:34:43,280
you know, maybe more of your endorsements,
like what you could have

743
00:34:43,280 --> 00:34:46,600
that protects you outside of
just the dwelling and contents.

744
00:34:47,120 --> 00:34:50,480
You know, there are a lot of things
you can add to your home when it comes to,

745
00:34:51,240 --> 00:34:54,160
and it's things I may not know
because it may not be updated

746
00:34:54,160 --> 00:34:57,240
somewhere
online is like screened enclosures.

747
00:34:58,840 --> 00:35:02,000
Carports, pools,

748
00:35:03,040 --> 00:35:07,480
just ongoing,
you know, home systems protection.

749
00:35:07,480 --> 00:35:10,480
There's a lot of little things
we need to make sure that, you know,

750
00:35:10,480 --> 00:35:14,880
is on your policy that we may not know
is on your policy unless we're, you know,

751
00:35:14,880 --> 00:35:17,240
you give us the information
because it might have just been built or.

752
00:35:17,240 --> 00:35:18,520
Yeah.

753
00:35:18,520 --> 00:35:20,960
New to the, home that you're purchasing.

754
00:35:20,960 --> 00:35:22,720
Also,

755
00:35:22,720 --> 00:35:25,720
just a little things that are out there
that are outside of your,

756
00:35:25,720 --> 00:35:29,200
you know, your actual
dwelling and contents that you might want

757
00:35:29,200 --> 00:35:33,320
to have need more information on or,
you know, other coverage.

758
00:35:34,240 --> 00:35:35,360
Okay.

759
00:35:35,360 --> 00:35:38,280
Well, one last, last rapid fire,

760
00:35:38,280 --> 00:35:41,000
best way to prepare for a hurricane.

761
00:35:41,000 --> 00:35:42,680
Well, I think we were over there
a little bit, but it was.

762
00:35:42,680 --> 00:35:44,040
Just make sure you're all picked up,

763
00:35:44,040 --> 00:35:47,040
take all the debris out of the yard,
clean up your trees.

764
00:35:47,520 --> 00:35:51,560
And you know, board up those windows
and leave.

765
00:35:51,720 --> 00:35:54,720
And leave. Yes. Yeah. True. And it just,

766
00:35:55,880 --> 00:35:58,720
you know, us Florida people or her dog.

767
00:35:58,720 --> 00:36:03,400
Oh, no, I know, and I'm I'm just leaving.

768
00:36:03,400 --> 00:36:06,200
We're not leaving
if it's not a three or above.

769
00:36:06,200 --> 00:36:07,040
That's true.

770
00:36:07,040 --> 00:36:09,560
And,
I stuck around for the last. Michael.

771
00:36:09,560 --> 00:36:13,520
That was a while back, but,
I was like, oh, yeah.

772
00:36:13,520 --> 00:36:15,800
And on one side of that storm,
it was perfect.

773
00:36:15,800 --> 00:36:18,400
On the other side of that storm,
it was a disaster.

774
00:36:18,400 --> 00:36:21,360
And it could have went either way
right there at the second.

775
00:36:21,360 --> 00:36:24,120
So it sure got in. It often does.

776
00:36:24,120 --> 00:36:26,080
And then we lived in the keys for Irma.

777
00:36:26,080 --> 00:36:27,560
Same thing like. Yeah.

778
00:36:27,560 --> 00:36:30,560
You know, like you just didn't know
until but we left.

779
00:36:30,760 --> 00:36:31,240
Yeah.

780
00:36:31,240 --> 00:36:34,480
Well now I don't have the
that was the last one.

781
00:36:34,480 --> 00:36:37,040
After that I've, I leave I just leave it.

782
00:36:37,040 --> 00:36:39,440
It's not the storm. It's the aftermath.

783
00:36:39,440 --> 00:36:41,360
Oh it is you know.

784
00:36:41,360 --> 00:36:42,200
Depending on

785
00:36:42,200 --> 00:36:45,840
you know, if you get a hurricane
in September or October 1st, it's rare.

786
00:36:45,840 --> 00:36:46,880
But if you did.

787
00:36:46,880 --> 00:36:51,280
But whether it's kind of great, usually
when it's over open, it's not so bad.

788
00:36:52,280 --> 00:36:53,840
Still have no power.

789
00:36:53,840 --> 00:36:55,360
Yeah. No water.

790
00:36:55,360 --> 00:36:57,800
Well, have no grocery stores.

791
00:36:57,800 --> 00:37:00,120
And it's like months.

792
00:37:00,120 --> 00:37:02,360
It's like months like that. Not just.

793
00:37:02,360 --> 00:37:04,760
Yeah, a week. And a half.

794
00:37:04,760 --> 00:37:07,360
Do you want to go with that? And I'm like,
not at all.

795
00:37:07,360 --> 00:37:10,160
I just go somewhere else
and and skip all that.

796
00:37:10,160 --> 00:37:10,600
Right.

797
00:37:10,600 --> 00:37:15,360
So that's I say I'm,
I like to be a lot more easier.

798
00:37:16,120 --> 00:37:16,720
Yeah.

799
00:37:16,720 --> 00:37:19,400
And I think people think sometimes
they can just leave after the storm.

800
00:37:19,400 --> 00:37:22,400
And you can
sometimes the roads are shot, you know.

801
00:37:22,840 --> 00:37:23,880
Yeah.

802
00:37:23,880 --> 00:37:26,960
That, you know, you didn't trim in
you're in the road.

803
00:37:27,480 --> 00:37:30,640
So and they're, you'd tell you

804
00:37:31,040 --> 00:37:35,240
if you're being not live in Florida
the trees are massive.

805
00:37:35,480 --> 00:37:36,840
They are massive.

806
00:37:36,840 --> 00:37:39,880
Well after Michael, all the trees
because we have a little,

807
00:37:39,880 --> 00:37:42,960
I call it a beach shack and Saint
Joe Beach and.

808
00:37:43,000 --> 00:37:46,160
Yeah, just the trees
all the way down there from Tyndall on a

809
00:37:47,360 --> 00:37:47,720
they're just.

810
00:37:47,720 --> 00:37:49,800
Yeah. Cut and sliced in half.

811
00:37:49,800 --> 00:37:51,360
All the way up to Interstate ten.

812
00:37:51,360 --> 00:37:54,560
Yeah, yeah, it's it's a
it was amazing what it did.

813
00:37:54,800 --> 00:37:57,160
Yeah. Anyway. Yeah.

814
00:37:57,160 --> 00:37:58,440
There you go.

815
00:37:58,440 --> 00:38:00,960
That's my opinion usually, but it's.

816
00:38:00,960 --> 00:38:02,320
Yeah. That's a good one.

817
00:38:02,320 --> 00:38:04,200
It's the safest. It's the safest one.

818
00:38:04,200 --> 00:38:06,880
Because if, you know, if nothing happens,
everything is good.

819
00:38:06,880 --> 00:38:09,280
You just drive right back
and get back to your house. Yeah.

820
00:38:09,280 --> 00:38:10,120
I mean,

821
00:38:10,120 --> 00:38:13,840
I've been there when it's been a bad storm
and no power for a week, and it's hot.

822
00:38:14,000 --> 00:38:16,760
It's miserable. It's it's. A home.

823
00:38:16,760 --> 00:38:18,160
You know, now
that we're talking about storms, that's

824
00:38:18,160 --> 00:38:20,520
another coverage
I think people don't think about is more.

825
00:38:20,520 --> 00:38:23,240
Yeah. The mold and fungi.

826
00:38:23,240 --> 00:38:25,840
I mean, it's not,
it's it's a it's an added endorsement too,

827
00:38:25,840 --> 00:38:29,360
but typically it's about 10,000
like kind of per occurrence.

828
00:38:29,360 --> 00:38:31,520
And you can go up to 2550.

829
00:38:31,520 --> 00:38:34,960
But I have noticed like down
in South Florida when we couldn't

830
00:38:35,000 --> 00:38:39,800
come back, a lot of the houses
got pretty much totaled because of mold.

831
00:38:40,800 --> 00:38:42,560
Wow. And.

832
00:38:42,560 --> 00:38:42,880
You know,

833
00:38:42,880 --> 00:38:46,640
nobody could come back and I got, you
know, had some openings in the moisture.

834
00:38:46,640 --> 00:38:49,760
So make sure you have
some mold coverage on there just in case.

835
00:38:50,280 --> 00:38:52,360
Wow. Oh that's great advice.

836
00:38:52,360 --> 00:38:57,240
Oh so how can someone connect with you
if they've got questions?

837
00:38:57,440 --> 00:38:59,000
Will follow up with you.

838
00:38:59,000 --> 00:39:01,960
More than welcome
to give me an email Jennifer Dot

839
00:39:01,960 --> 00:39:04,960
Blackburn at two cordia.com.

840
00:39:05,120 --> 00:39:09,560
And then my phone number
is (850) 279-6892.

841
00:39:09,560 --> 00:39:11,560
I probably said that really fast.

842
00:39:11,560 --> 00:39:14,560
But give me a shout.

843
00:39:14,600 --> 00:39:16,520
I'm here.

844
00:39:16,520 --> 00:39:17,000
Perfect.

845
00:39:17,000 --> 00:39:20,360
And I'll put the links down below
wherever you're watching or listening,

846
00:39:20,840 --> 00:39:25,520
to this podcast, Jennifer,
thank you for your help.

847
00:39:25,520 --> 00:39:26,920
Me you. Know.

848
00:39:26,920 --> 00:39:31,480
I grab my brain around this and I'm
not insurance expert, but I know some.

849
00:39:32,120 --> 00:39:35,000
And, so I get the get this.

850
00:39:35,000 --> 00:39:37,800
Every time I could help. Yeah.

851
00:39:37,800 --> 00:39:40,000
This was fantastic.

852
00:39:40,000 --> 00:39:41,120
If there's any changes

853
00:39:41,120 --> 00:39:45,160
in the insurance world
that we think is noteworthy, let's hop on.

854
00:39:45,160 --> 00:39:45,680
We'll do it.

855
00:39:45,680 --> 00:39:51,080
We'll do a quick, Q&A on it and talk
about it, and, I'll do that out there.

856
00:39:51,560 --> 00:39:57,320
And, that's all for this
episode of Between the Doors.

857
00:39:57,320 --> 00:39:58,520
Jennifer, thank you.

858
00:39:58,520 --> 00:40:01,880
And as always,
if you're looking to buy or sell

859
00:40:02,000 --> 00:40:05,240
or refinance, my links down

860
00:40:05,240 --> 00:40:08,240
below to I am a mortgage lender
and would love to help navigate that.

861
00:40:08,280 --> 00:40:11,080
Build your clear mortgage plan.
I'll see you on the next episode.

862
00:40:12,200 --> 00:40:12,560
Thank

863
00:40:12,560 --> 00:40:25,320
you.