Insurance Notifications "Heads Up"

We recently received a letter from our insurance carrier stating that our beach house had evidence of roof damage and they required a licensed roofing contractor submit a report if they were to renew our policy. Odd, since our house is less than 10 yrs. old and has a tin roof, plus we had no leak problems through three storms over the past year. When I inquired, it turned out that it was not the roof but some missing planks for the siding (which we had already had replaced). They had photos, but had mixed up their reports because of the lack of obvious street addresses on Grayton properties. This is worth checking out, if you received a similar letter. Ask for photo evidence and a copy of the field investigator's report. The latter is pretty interesting, too.

In the course of my conversation with our insurance firm, they also told me that all wind damage policies are now going to a State pool. This means that we can expect a slight increase in the price of that particular policy, but at least we will be covered and in a context more protected by the State of Florida than we might have been otherwise. I have to say that Florida is really good about making these companies do business fairly instead of picking and choosing who they will or won't provide coverage to. Florida has insisted that they are either in business in the State or they can't do business there at all. I don't know that it would work that well in CA if we had as many natural disasters on an annual basis.