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What is a Wind Mitigation Inspection?

Posted on February 24, 2020 by Jason Levine in Homeowners Insurance, Inspections, Personal Lines with 17 comments

Wind mitigation inspections do more than give Florida homeowners peace of mind.

Find out how a quick wind mitigation inspection can help lower your insurance premiums.

Floridians are well-versed at protecting our homes from hurricane-related wind damage. We secure doors and windows, fill up sand bags, and clear our yards of loose debris.

But most people forget about the biggest area of protection for their home: the roof.

Your realtor or home inspector might have recommended that you get a wind inspection, but what is it? And—more importantly—why is it so important?
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Sinkhole Coverage vs. Catastrophic Ground Collapse

Posted on January 14, 2020 by Jason Levine in Homeowners Insurance with No comments

Florida is famous for many threats—hurricanes, alligators, the eponymous “Florida Man”—but one of its most dangerous features lurks right underground: sinkholes. Which begs the question: “How does this affect my insurance?”

Your Florida homeowner’s policy includes catastrophic ground cover collapse, but is that the same as sinkhole insurance? In this article, we’ll compare sinkhole coverage vs. catastrophic ground collapse to see how the two measure up.

11 Myths About Florida Workers’ Compensation Insurance (That You Probably Believe)

Posted on January 9, 2020 by Jason Levine in Workers Compensation with Comments Disabled

You’ve heard of workers’ compensation. You may even have had employees who needed it when they were injured at work. But there are also many myths and misinformation about Florida workers’ compensation insurance that you might believe.

Misinformation that could be preventing you from getting the best coverage.

As a Florida insurance agency, our goal is for all of our clients to have the right amount of workers’ compensation coverage for their property, person, and business. And—whether you work for or own a small business—you need to know the truth about Florida workers’ compensation insurance.
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5 Common Restaurant Insurance Claims

Posted on December 17, 2019 by Jason Levine in Commercial Insurance, Commercial Insurance, Coverages with No comments

When it comes to property claims made by restaurants, it isn’t a matter of if a claim will be filed, it’s a matter of when.

Research has shown that around 40% of small business owners in America will file a claim within the first decade of operating. And restaurants make up a huge chunk of this, owing largely to a higher risk of occupational hazards and damages.

Anyone working within the restaurant industry needs to be fully aware of the most common restaurant insurance claims, so you can make sure you’re adequately protected.
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What is an Assignment of Benefits Agreement?

Posted on December 10, 2019 by Jason Levine in Homeowners Insurance, Homeowners Insurance with 2 comments

You come home from work one day to find that a leak under your sink has sprayed water all over the floor. Panicking, you shut off the water main and call the first plumber that pops up on Angie’s List. He fixes the leak and recommends a company to take care of all the water damage.

You’re satisfied with their work, so you take the referral and call the remediation company. But when they show up, that’s when the problem starts.

They present you with an Assignment of Benefits form and say that they won’t start work until you sign it.
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What Are Commercial Bonds (& Why Do I Need One)?

Posted on December 1, 2019 by Kathy Barton in Commercial Insurance, Commercial Insurance with No comments

“I was just hired to re-pave the parking lot at my local library, but they’re requiring me to have a commercial bond…what is that and why do I need one?”

At Harry Levine Insurance, we get questions like this all the time.

Although commercial bonds aren’t an insurance policy in the traditional sense, they do provide a financial guarantee of your work and protect your customers against risk.

Smart Home Insurance Discounts

Posted on November 24, 2019 by djforman in Homeowners Insurance, Homeowners Insurance with No comments

Today’s tech doesn’t just make our lives easier, it protects our homes and makes them more energy efficient. Who doesn’t love that?

Your insurance company loves it, too. Having an extra layer of protection against theft, damage, and other forms of risk means less claims to pay out on. So it should come as no surprise that many insurance carriers are beginning to offer smart home insurance discounts if these devices are installed in your home.
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Your Quick Guide to Florida Insurance Laws

Posted on November 15, 2019 by djforman in Auto Insurance, Auto Insurance, Car Insurance, Car Insurance, Flood Insurance, Flood Insurance, Homeowners Insurance, Homeowners Insurance, Personal Lines with No comments

Settling down in the Sunshine State?

Florida remains one of the most popular states in the country, with roughly 900 people moving to the state every day. That’s 330,605 new residents each year! And frankly, with year-round sunshine, warm temperatures, beautiful sandy beaches, and countless things to do, who can blame them?

But if you’re planning on joining us in this wonderful state, you’ll need to know more than what hours Disney is open. Here are some of the things you need to know about Florida insurance laws.

Keep reading our guide so that you’re prepared for your big move.
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First-Party vs. Third-Party Cyber Risk Insurance

Posted on November 7, 2019 by djforman in Cyber Liability, Data Breach with No comments

Business owners who forego cyber risk insurance usually cite the cost as a deterring factor. But with the average cost of a cybercrime at $200,000 (and this is a conservative estimate!), you can’t afford not to have it. That amount might be a drop in the bucket for a Fortune 500 company, but for small and home-based businesses, it can spell disaster.

This is why we so strongly recommend cyber risk insurance for all types of business owners. Because you never know when you may become a target to this type of crime, protecting yourself at all times is essential.
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Understanding Your Insurance Score

Posted on October 22, 2019 by Jason Levine in Premiums with No comments

You probably already know your credit score, but did you know that you also have an insurance score?

If not, you’re not alone. Most people go their whole lives without knowing that their insurance score even exists, much less what it is. However, because your insurance score is used to calculate your premiums, this is one instance in which ignorance is not bliss.

In this article, we’ll discuss what your insurance score is, how it’s calculated, and why companies use it.
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Dr. Phillips: 407-855-1000Winter Park: 407-629-6020

Wind mitigation inspections do more than give Florida homeowners peace of mind.

Dr. Phillips: 407-855-1000
Winter Park: 407-629-6020