Property
Reading a named-storm deductible before the storm is named
Percentage deductibles are calculated on insured value, not loss. Knowing the number in advance changes how you set limits.
Resources
Guidance, plainly written.
Short notes on the questions clients ask most. No jargon, no sales language — the same explanations we would give across the table.
Insights
Recent notes.
Liability
How much umbrella is enough?
Limits should be sized against future earnings and visible assets, not against a round number that felt comfortable a decade ago.
Valuation
Why replacement cost drifts
Construction costs in South Florida have moved faster than most policy schedules. Under-insurance is usually discovered at claim time.
Claims
The first forty-eight hours
What to document, who to call and what not to sign before an adjuster arrives at the property.
Annual Checklist
Five things worth confirming every year.
If any of these is uncertain, it is worth a conversation before your next renewal.
- 01
Confirm every entity, trust and LLC appears as a named insured.
- 02
Re-appraise scheduled art, jewelry and collectibles every three years.
- 03
Verify hurricane deductibles across all locations, including seasonal ones.
- 04
Match personal umbrella limits to commercial excess attachment points.
- 05
Review workers' compensation class codes after any change in operations.
Questions about any of the above? Send us a note.
Begin with a confidential review.
A short conversation is usually enough to reveal where your current program is exposed. There is no cost and no obligation.