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This is where you will find all articles about commercial property insurance

Resource TitleDescriptionRating
Agreed Value Coverage – Fannie Mae

The key with lenders is to educate them that Fannie Mae does not require agreed value and also advise them that this coverage is seldom available in Florida.

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Agreed Value Loss Settlement Option

Does adding the agreed value option eliminate a possible coinsurance penalty come claim time?

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All Risk Coverage Advantages We are having a hard time understanding what the HO 17 32 - Unit Owners Coverage A Special Coverage does. Can you help? 1 2 3 4 5
Certificates of Insurance The use and abuse of the two-page document referred to as a "Certificate of Insurance." In reality there are two varieties of this document, the Certificate of Liability Insurance and the Certificate of Property Insurance.  This FAQ outlines some typical questions. 1 2 3 4 5
Certificates of Insurance Checklist This PDF provides a tool that agents can use to help their customers understand the terms and conditions in a construction contract that may be problematic in a contract before the customer signs the contact. 1 2 3 4 5
Citizens Sample Consumer Letters and Checklists

These letters are provided in Word documents as a convenience to members.

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Claim Denials via Florida Statute 627.409 It's likely that not one in 1,000 insurance professionals would know what Florida Statute 627.409 is and how it can result in a claim denial or even possibly an E&O claim. 1 2 3 4 5
Coinsurance Made Easy—Sort Of Few subjects are more difficult for a client (and at times for an agent) to grasp than the coinsurance feature found in many property policies. Failing to understand the issue can result in serious penalties come claim time. In this article we'll try and make a complicated issue a little easier to understand. 1 2 3 4 5
Fire Damage Liability This article examines coverage and limits for fire damage caused by a tenant to a rented building. 1 2 3 4 5
Florida Valued Policy Law Short breakdown of Florida's Valued Policy Law 1 2 3 4 5
Homeowners' Associations

Providing property and flood insurance coverages for homeowners' associations can be challenging. It's imperative that a proper determination be made as to the legal organization of the association. Then a proper insurance package can be structured for both the association and the individual owners.


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Hurricane Deductibles While there is an exception to almost every rule, the “general rule” is that Florida residential insurance policies have a separate deductible that applies to losses occurring during a hurricane. 1 2 3 4 5
Insuring for the Mortgage Amount Often a mortgage lender will ask that the insurance policy provide coverage equal to the mortgage amount. However, the mortgage is made based on the value of the house and land. Since the insurance policy does not cover land, the two figures have nothing to do with each other. 1 2 3 4 5
Off Premises Utility Failure Is perishable stock or loss of business income covered under the "windstorm" peril 1 2 3 4 5
Oil Spill - Insurance Implications

This article examines the basic coverage issues under ISO standard property forms that could arise if a hurricane distributes waterborne or windborne oil particles onto coastal properties from the Gulf oil spill. 

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