It’s been a windy November, and this is just a reminder of how much windier it can be in years that we are more affected by tropical storms and hurricanes. It brings up the question of how hurricane-proof our houses are here. Anyone in the market for a house on Anna Maria Island should certainly pay close attention to the quality of the construction, starting with the roof.
Anna Maria Island has been very lucky this 2009 hurricane season, as has the entire Atlantic region of the United States. Unlike some recent years, in which life on the island was interrupted frequently by approaching hurricanes, this year, it has been possible to almost forget these great storms are part of life here. By the middle of November, the only storm that came nearby was Hurricane Ida, which passed by with less interest than we’ve paid to any of the previous storms, such as Hurricane Bill in the Atlantic, earlier in the year.
Continue reading “The Best Roofs for Avoiding Hurricane Damage” »
A month ago I got the renewal notice for my home owners insurance premium. Although it had actually gone down a little after the policy was sold from Citizens Insurance, the Florida-run insurer of last resort, to another carrier, I still thought that it was a lot of money.
But how can I save any more on the cost of home owners insurance? The last thing I needed was being underinsured with inadequate coverage.
One mistake that was made on the Citizens policy was the description of the roof type. It was marked ‘gable’ when it was actually ‘hip’. I had asked for a correction to the policy but from the renewal notice I found out that the correction had not been made a year ago.
But I also requested a discount for having hurricane clips or anchors on the roof trusses and framing. It is easy to see from the outside what a roof shape is, but not so easy to prove there are anchors in the walls and rafters. I needed a certified inspector’s declaration to satisfy the insurance company.
Continue reading “How To Save On Home Owners Insurance” »