BEGIN:VCALENDAR VERSION:2.0 PRODID:-//ChamberMaster//Event Calendar 2.0//EN METHOD:PUBLISH X-PUBLISHED-TTL:P1H REFRESH-INTERVAL:P1H CALSCALE:GREGORIAN BEGIN:VTIMEZONE TZID:America/New_York BEGIN:DAYLIGHT RRULE:FREQ=YEARLY;BYMONTH=3;BYDAY=2SU DTSTART:20070101T000000 TZOFFSETFROM:-0500 TZOFFSETTO:-0400 TZNAME:Eastern Daylight Time END:DAYLIGHT BEGIN:STANDARD RRULE:FREQ=YEARLY;BYMONTH=11;BYDAY=1SU DTSTART:20070101T000000 TZOFFSETFROM:-0400 TZOFFSETTO:-0500 TZNAME:Eastern Standard Time END:STANDARD END:VTIMEZONE BEGIN:VEVENT DTSTART;TZID=America/New_York:20261005T140000 DTEND;TZID=America/New_York:20261005T153000 X-MICROSOFT-CDO-ALLDAYEVENT:FALSE SUMMARY:Ask the Insurance Agent-What You Didn't Know you Needed to Know DESCRIPTION:A Practical Guide for Realtors\, Mortgage Brokers and Homeowners \n1. Policy Types ●Understanding HO-3\, HO-6\, HO-4 and dwelling-fire policies ●Replacement cost vs. actual cash value ●Citizens vs. private-market insurance ●Windstorm and hurricane coverage ●Deductibles\, exclusions and coverage limitations ●Roof age\, water-heater age and property eligibility ●Builders risk\, vacant-home and renovation policies ●Optional coverages: water backup\, equipment breakdown and service lines ●Why the lowest premium may not provide the best protection \n2. Inspections ●Four-point inspections ●Wind-mitigation inspections and available discounts ●Roof-condition and remaining-useful-life requirements ●Electrical\, plumbing\, HVAC and water-heater concerns ●Permits and unpermitted improvements ●Open claims and prior property damage ●Common inspection issues that affect eligibility or delay coverage ●When repairs must be completed before binding ●Why insurance concerns should be reviewed during the inspection period \n3. Flood Insurance ●Homeowners insurance does not cover flooding ●Flood zones vs. actual flood risk ●NFIP vs. private flood insurance ●Required vs. recommended flood coverage ●Elevation certificates and when they are helpful ●Building\, contents and loss-of-use coverage ●Flood insurance waiting periods ●Transferable and assumable flood policies ●Prior flood claims and repetitive-loss properties ●Why properties outside high-risk flood zones may still need coverage \n4. The Claims Process ●What to do immediately after a loss ●Protecting the property from further damage ●Documenting damage with photos\, videos and receipts ●Reporting the claim and understanding the adjuster's role ●Deductibles and out-of-pocket expenses ●Emergency mitigation vs. permanent repairs ●Choosing and working with contractors ●Understanding estimates and claim payments ●Recoverable depreciation and replacement-cost payments ●Supplemental claims for hidden or additional damage ●Mortgage-company involvement with claim checks ●Avoiding contractor fraud and assignment-of-benefits concerns ●How claims history can affect future premiums and insurability X-ALT-DESC;FMTTYPE=text/html:

A Practical Guide for Realtors\, Mortgage Brokers and Homeowners \;


1. Policy Types \;

●Understanding HO-3\, HO-6\, HO-4 and dwelling-fire policies \;

●Replacement cost vs. actual cash value \;

●Citizens vs. private-market insurance \;

●Windstorm and hurricane coverage \;

●Deductibles\, exclusions and coverage limitations \;

●Roof age\, water-heater age and property eligibility \;

●Builders risk\, vacant-home and renovation policies \;

●Optional coverages: water backup\, equipment breakdown and service lines \;

●Why the lowest premium may not provide the best protection \;


2. Inspections \;

●Four-point inspections \;

●Wind-mitigation inspections and available discounts \;

●Roof-condition and remaining-useful-life requirements \;

●Electrical\, plumbing\, HVAC and water-heater concerns \;

●Permits and unpermitted improvements \;

●Open claims and prior property damage \;

●Common inspection issues that affect eligibility or delay coverage \;

●When repairs must be completed before binding \;

●Why insurance concerns should be reviewed during the inspection period \;


3. Flood Insurance \;

●Homeowners insurance does not cover flooding \;

●Flood zones vs. actual flood risk \;

●NFIP vs. private flood insurance \;

●Required vs. recommended flood coverage \;

●Elevation certificates and when they are helpful \;

●Building\, contents and loss-of-use coverage \;

●Flood insurance waiting periods \;

●Transferable and assumable flood policies \;

●Prior flood claims and repetitive-loss properties \;

●Why properties outside high-risk flood zones may still need coverage \;


4. The Claims Process \;

●What to do immediately after a loss \;

●Protecting the property from further damage \;

●Documenting damage with photos\, videos and receipts \;

●Reporting the claim and understanding the adjuster&rsquo\;s role \;

●Deductibles and out-of-pocket expenses \;

●Emergency mitigation vs. permanent repairs \;

●Choosing and working with contractors \;

●Understanding estimates and claim payments \;

●Recoverable depreciation and replacement-cost payments \;

●Supplemental claims for hidden or additional damage \;

●Mortgage-company involvement with claim checks \;

●Avoiding contractor fraud and assignment-of-benefits concerns \;

●How claims history can affect future premiums and insurability

LOCATION:25300 Bernwood Drive #1 Bonita Springs FL 34135-7881 UID:e.1351.1626355 SEQUENCE:3 DTSTAMP:20260905T224739Z URL:https://members.bonitaesterorealtors.com/bercalendar/Details/ask-the-insurance-agent-what-you-didn-t-know-you-needed-to-know-1912701?sourceTypeId=Hub END:VEVENT END:VCALENDAR