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Citizens Property Insurance of Florida Changes for 2013

In Citizens Insurance, Commercial Market, Florida Law Changes by Patricia StaeblerNovember 16, 2012

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!

In Commercial Market, Construction, Florida Real Estate Market, Market Analysis, Residential Market by Patricia StaeblerAugust 28, 2012

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

In Commercial Market, Construction, Construction Cost Estimating by Patricia StaeblerAugust 7, 2012

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

In CAM Library, Condo Association, Home Owner Association (HOA), Reserve Studies by Patricia StaeblerJuly 19, 2012

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

In CAM Library, Condo Association, Home Owner Association (HOA), Reserve Studies by Patricia StaeblerJuly 12, 2012

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

In CAM Library, Condo Association, Home Owner Association (HOA), Reserve Studies by Patricia StaeblerJuly 3, 2012

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?

In CAM Library, Condo Association, Home Owner Association (HOA), Reserve Studies by Patricia StaeblerJune 25, 2012

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

In Citizens Insurance, Commercial Market, Florida Hurricane Insurance, Florida Law Changes, Insurance Appraisal by Patricia StaeblerMay 1, 2012

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….

In Citizens Insurance, Commercial Market, Construction, Florida Hurricane Insurance, Insurance Appraisal, Residential Market by Patricia StaeblerApril 4, 2012

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?

In Florida Hurricane Insurance, Insurance Adjuster, Insurance Appraisal by Patricia StaeblerMarch 28, 2012

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 …

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