Commercial property owners will want to make note of many rule, form and lastly rate changes coming in 2013 from Citizens Property Insurance of Florida. This post is from their …
When in Doubt about the Economy, ask a Trucker!
Back in early 2005 when the real estate market reached never before seen heights I was hired for a marketability study. The client wanted me to investigate if a planned …
An “Aha” Moment Solves Challenge of Cost Estimating Local Sarasota Sailor Circus Roof
This is s collaborative guest post that is truly a joy to publish. I have relied on their unabashed expertise for my business for 18 years and am always pleased …
Reserve Studies Demystified- Funding Models
Reserve Studies Demystified (Blog 4 of 4) Funding Models There are several funding models, however, the best funding model for an individual association depends on the tolerance for risk. And …
Reserve Studies Demystified- Ideal Reserves vs. Fully Funded
Reserve Studies Demystified (Blog 3 of 4) Ideal Reserves vs. Fully Funded My clients frequently ask me, “What really are ideal reserves and what does it …
Reserve Studies- Budgeting Methods Demystified
Reserve Studies Demystified (Part 2 of 4) Non-Pooling or Pooling? Straight-Line or Cash Flow? That is the question! Pooling and non-pooling budget concepts are often misunderstood and misinterpreted. CPAs …
What is a Reserve Study?
Reserve Studies Demystified Part 1 of 4 Reserve Studies are a myth for many homeowner’s and even the condo and HOA boards most often have no idea if their community …
Citizens’ Depopulation Strategy
Under Governor Scott’s tutelage Citizens Insurance starts an aggressive depopulation strategy. The new limitations, rate increases, exclusions and rules, which were issued by Citizens since January 2012 were just the …
Citizens Property Insurance – Summary of 2012 Changes – so far….
After receiving literally every week Citizens Agent Communications with ever more rate increases, coverage limitations and restrictions, it is necessary to post a summary of these changes for my clients …
Hurricane Season 2012 – El Niño or La Niña?
Recently, I attended a meeting where an insurance agent made a presentation about the probability that Manatee and Sarasota Counties in Florida will be hit by a hurricane this upcoming …