It Cost One Family The Regret of a Lifetime…“Don’t Let It Happen To You!”

Simple Precautions on Your Homeowners Insurance Policy Can $ave You Plenty of Money & Misery…

It is the most agonizing part of her job. Worse yet, she knows it is going to happen – sooner than later.

The anxiety comes from the inevitable call she will take from a distressed homeowner, seeking her assistance when they’ve been dropped or cancelled by their insurance company or have an emergency insurance claim.

A Mutually Beneficial Relationship

Meet Kimberly Mett. We are proud to say that Kimberly and her husband are clients of ours. Plus, Kimberly is one of FMC’s strategic alliances. (No, we aren’t paid to recommend Kimberly)

Kimberly is part owner of Insurance Group of Central Florida. She has been helping Central Floridians with their homeowner’s (and auto) insurance for more than 20 years. She’s proven herself to us as being very knowledgeable and results oriented. Already having help several of our client/members get better coverage than they thought possible.

Kimberly has great passion for her job. Says Kimberly, “The only part of my job I dread is when I have to tell someone their claim was not covered.”
This is a scenario I would like to see
go away -forever!

You can easily avoid this problem if you take a little time to go over your policy with your agent ahead of time. You only need to do this every year or so” says Kimberly. Unfortunately, most people don’t do it.

Ways You Can Avoid a Potential Nightmare

As an independent agency, Kimberly’s primary obligation is to find you the absolute best rate and coverage, regardless of the company providing the coverage.

On the other hand, someone working for a big insurance company would have to recommend coverage offered by their own company. According to Kimberly, “As an independent agency, we don’t have that problem; we simply take you wherever you can get the best deal – in essence, you receive the best of both worlds.”

Kimberly says, “We can avoid the horror of finding out the hard way if your coverage is wrong.

A Changing Face of Insurance in Florida

The insurance business in Florida has been hit hard over the last few years
by an unusually high number of hurricanes. As a result, claims have increased. Companies have experienced huge losses, forcing some of the tradional insurance companies to discontinue writing policies in Florida.

It is a constantly changing landscape for companies and policyholders. Many homeowners are receiving letters from their providers with the intent to discontinue coverage. If this happens (or has happened) to you, I urge you to call Kimberly, and have her research your best options.

If It Ain’t Broke, Don’t Fix It! If You Have Good Insurance Leave It Alone –

If you have a homeowner’s policy and you are satisfied with the coverage – stay where you are. Leave it alone. Also, it’s never a good idea to base your decision for insurance on rate alone. Having the right coverage is every bit as important as your premium. Be careful. Do your homework. Things like hurricane deductible, which in the past was a flat deductible, is now a high priority for most policyholders’. Sinkhole coverage
is another area that may require your policy to be updated if you live in an area affected by a high number of sinkholes.

One of the most important things about homeowners insurance is having an agent that will go to bat for you when you make a claim. There’s a big difference in an agent writing a policy verses a true “agent”, representing you. Sometimes an agent can make a big difference to the coverage or claim by making just one phone call for you.

Kimberly’s Top 5 Policy Holder Reminders (a must do list!)

1. Call your agent if you make any changes to your home, such as adding a pool or remodeling the interior of your house.
2. Call your agent periodically to make sure you have enough coverage. Most of the time people do not have enough coverage, and their policy needs to be updated. At the time of a loss, it’s too late to do anything about it.
3. Take pictures of your home when you update your insurance. If you have a house fire, you are not likely to remember everything in your home.
4. Do not keep the pictures in your home. Put them in a safety deposit box or the case of our clients, we keep their pictures on hand here at our office.
5. Check your smoke alarms on a regular basis to make sure the batteries are in good shape.

Follow these simple tips and save yourself some major headaches with your insurance policy. Don’t find out the hard way your policy did not cover your claim.

To contact Kimberly if you need help with your Homeowner or Auto insurance call (407)677-7300 or e-mail kimberly@igcfonline.com