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Florida Roof Requirements

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If you buy a home in Florida, it’s important to protect your investment by purchasing home insurance. If you live in the Pinellas County area, our team at The Percheron Insurance Group looks forward to meeting you and answering your questions. We’ve been working with homeowners like you since 2020.

Florida Roof Requirements

When you live in Florida, the weather is more than a topic for casual conversations. When you buy a home in Florida, the roof of that home will be one of the factors determining your eligibility for home insurance. According to the Florida PACE Funding Agency, the weather in Florida has necessitated the need for roofs that can withstand the hazards of Florida’s weather. The structure of a home’s roof will help determine whether you will find home insurance, and also how much your insurance premiums may cost.

According to the Florida PACE Funding Agency, Florida Senate Bill 2B states that if a home is more than 15 years old, an insurance company cannot deny insurance based solely on the roof’s condition. If a home has a roof less than 15 years old, the prospective homeowner can request an inspection. When the roof inspector submits their evaluation, if they certify that the roof has more than five years’ useful life remaining, the roof will not need to be replaced immediately. Check with your insurance agent or your real estate professional for more information.

Contact Us for Your Appointment Today

We recognize that changing housing standards can be a challenging process. Our team at Percheron Insurance Group can help keep you informed of changing laws and other housing safety news. Homeowners near the Pinellas County area can trust us to provide needed insurance education and client support. Give us a call today and let’s talk about insurance.

The Role of Liability Protection in Condo Insurance

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When most people think about condo insurance, they picture coverage for their personal belongings or maybe repairs inside their unit. But there’s another vital piece of the puzzle—liability protection. At Percheron Insurance Group, we often find that condo owners throughout Pinellas County overlook just how vital condo insurance can be.

It’s About More Than Just Your Stuff

Liability protection in your condo insurance policy helps cover you if someone is injured in your unit or if you accidentally cause damage to another resident’s property. For example, if a guest trips on a rug in your living room and ends up with a medical bill, you could be held responsible. Without liability coverage, that cost might come directly out of your pocket.

It’s not just about accidents inside your unit, either. Suppose you forget to turn off the tub and it overflows, damaging the unit below yours. Your condo’s liability protection could help cover the repair costs, saving you from a financial hit.

When the Unexpected Happens

Life is unpredictable, and that’s precisely why liability coverage exists. It provides a financial safety net when things go wrong, especially in shared living environments where one small mistake can have ripple effects beyond your own walls.

Be Prepared, Not Surprised

The good news is that liability protection is typically included in standard condo insurance policies, but limits can vary. Ensuring you have enough coverage is key to protecting yourself from unexpected expenses.

At Percheron Insurance Group, proudly serving Pinellas County, we’re here to help you understand what your condo policy really covers. Reach out today and let’s make sure you’re protected from more than just the obvious.

Why Classic Car Owners Need Specialized Insurance in Pinellas County

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Florida driving laws mandate that all vehicles be insured when operating on public roadways. The good news for local classic car owners is that specialized insurance policies are available to help limited-use drivers get adequate coverage for storing and showing their vehicles.

In the informative guide for vintage car owners below, Percheron Insurance Group in Pinellas County discusses why classic car owners need specialty insurance.

Why You Need Classic Car Insurance in Pinellas County

Standard auto insurance policies don’t typically account for the specialized features of classic cars.

While a traditional auto insurance policy will cover an automobile based on factors like the year, make, and model, classic car insurance provides agreed-value coverage based on the agreed-upon value of your vintage vehicle when implementing the policy.

Other factors classic car owners should consider are that Pinellas County is at risk of hurricanes, coastal flooding, and high levels of saltwater exposure that can damage the exterior or interior of your antique car.

Classic car enthusiasts who rarely drive can talk to a licensed local agent to learn about limited-use policies, which can offer reduced premiums for classic cars driven only a few times per year.

Get a Classic Car Insurance Quote in Pinellas County

A well-structured classic car insurance policy with comprehensive coverage can help protect your long-term investment from the effects of accidental damage, vandalism, theft, or injuries that can happen when cruising along main drag strips at car shows and when your classic car is on display.

The high value of classic cars often makes them ideal theft targets for criminals. Comprehensive policies can help shield you from the highvehicle replacement costst if your classic car is stolen.

Contact Percheron Insurance Group to get a classic car insurance quote today!

Why Landlords Should Make Renters Insurance Mandatory

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Being a landlord in Florida can be a profitable venture, especially when you’re well-covered in terms of insurance. One often overlooked way to protect yourself is by making renters insurance mandatory for your tenants. This is a common practice among corporate apartment complex owners, and for good reason. Renters insurance, available through Percheron Insurance Group serving Pinellas County, offers several benefits for both landlords and tenants.

Promotes Tenant Responsibility

Requiring renters insurance encourages tenants to take responsibility for their living space and personal property. It also educates them about the risks and liabilities associated with renting, which can lead to more cautious behavior (like not leaving the kitchen unattended while cooking) and reduces the likelihood of accidental property damage.

Minimizes Landlord Liability

Renters insurance typically includes liability coverage, which can be invaluable if a tenant or their guest is injured on the property. This coverage can help cover medical bills or legal fees associated with such injuries, thereby reducing the landlord’s potential legal and financial risks.

Protects Tenant Belongings

Renters insurance covers the loss of a tenant’s personal belongings in cases of theft, fire, or other damages, which are not typically covered by the landlord’s insurance. This reduces disputes between landlords and tenants over replacement and repair responsibilities, fostering a better landlord-tenant relationship.

Facilitates the Recovery Process

In the event of a disaster, renters insurance can expedite the recovery process, allowing tenants to replace their belongings and return to normal life quickly. This efficiency helps minimize disruptions to the rental property’s operation and maintains goodwill with the tenants.

Landlords effectively create a safer, more secure rental environment by making renters insurance mandatory. Contact Percheron Insurance Group serving Pinellas County to learn more about implementing this plan.

RV Insurance When You Cross State Lines

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So you’ve rented an RV and decided to see America in it. It’s an affordable way to have an unforgettable adventure of exploration. But, as with any adventure, you need to plan ahead. One thing you need to plan for is insurance. Keep in mind that laws concerning insurance vary from one state to another. It is a doable excursion, but you must know a few things before you venture out.

Things You Need to Consider

Driving laws, particularly those pertaining to RVs, can vary from state to state. Do your homework and research what each state you’re visiting expects of its motorists. For example, seat belt laws in Florida only cover minors and people sitting in the front seat. Alabama is a little stricter, covering everyone regardless of age or seat placement. Before you begin your trip, review your RV insurance policy details. If you’re unsure if you’ll be covered in another state, ask your insurance company for written confirmation. These things are as important to research as the locations of gas stations and the rules of the campsites. While on your trip, always have insurance details, your driver’s license, and RV rental agreements on your person or at least within easy reach. Be ready to present them if requested.

Percheron Insurance Group Serving Pinellas County

If you live in the Pinellas County area and need RV insurance, please consider Percheron Insurance Group. Our knowledgeable and courteous agents will help you find the right policy for your unique needs.

Seasonal Riding Considerations and Adjusting Motorcycle Insurance in Pinellas County, FL

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Pinellas County is known for its sunny and picturesque atmosphere, but seasonal factors can still impact riding habits and motorcycle insurance needs. If you’re a rider in Pinellas County, Florida, adjusting your motorcycle insurance coverage based on specific seasonal usage needs will ensure you’re protected year-round. At Percheron Insurance Group, we’ll work with you to find seasonal motorcycle insurance policies that protect you without paying for unnecessary coverage.

Understanding Seasonal Riding in Pinellas County, Florida

Florida usually offers prime riding weather, but it’s still susceptible to seasonal changes that can influence riding patterns and insurance rates. Risks from hurricanes and heavier rains during the summer may also affect riding risks. Understanding these weather patterns can help when it’s time to make an informed decision regarding your motorcycle insurance policy.

How to Adjust Your Coverage

If you don’t ride year-round, you may want to adjust your policy:

  • Storage: When you store your motorcycle, consider comprehensive coverage that protects against weather-related damage, vandalism, and non-collision incidents, such as theft.
  • Liability Adjustments: Temporarily adjusting your liability coverage may be possible if you plan to store your motorcycle during certain times of the year.
  • Weather-Related Risks: Comprehensive insurance can protect against weather-related events year-round, even if you intend to store your bike during specific seasons.

Working with a local agency, such as Percheron Insurance Group, in Pinellas County, is a way to determine which seasonal trends and unique risks you should pay attention to as a local rider. With a knowledgeable agent, you can customize your motorcycle insurance policy to suit your needs while optimizing premiums and costs. For more information regarding seasonal riding considerations and motorcycle insurance in Pinellas County, Florida, contact Percheron Insurance Group for your consultation and quote today.

Do You Need Different Boat Insurance If You Plan to Go In International Waters?

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Exploring international waters is an exciting adventure, but it comes with its own set of considerations. At Percheron Insurance Group, providing boat insurance to residents in Pinellas County, we know that venturing beyond domestic boundaries requires a closer look at your boat insurance policy to ensure you’re adequately covered.

Understanding the Basics

When you sail into international waters, your standard boat insurance policy might not provide the coverage you need. Domestic policies are typically designed for navigation within specific regions and may not account for the unique risks associated with international travel. Reviewing your policy and understanding its limitations before setting sail is essential.

What Changes in International Waters?

International waters introduce several new factors, such as differing maritime laws, potential piracy risks, and unfamiliar weather conditions. These elements can affect your insurance needs significantly. You may require additional liability coverage, protection against theft, and enhanced medical coverage for you and your passengers.

How to Adjust Your Policy

Consider discussing your travel plans with your insurance provider to ensure you’re fully protected. At Percheron Insurance Group, we can help you tailor your policy to include international coverage. This might involve adding riders or extensions to cover the specific areas you plan to visit and the activities you intend to undertake.

Set Sail with Confidence

Before embarking on your international journey, mensureyour insurance is as robust as your sense of adventure. Contact Percheron Insurance Group, serving Pinellas County, today to discuss your plans and adjust your coverage as needed. Let us help you navigate the complexities of international boating insurance so you can focus on enjoying the open seas.

What Kind of Costs and Judgments Are Covered by Umbrella Insurance?

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When you acquire umbrella insurance, it’s crucial to understand what it covers, especially when you have financial obligations following a court case. Umbrella insurance covers defense, court, and judgment costs. More details on these are provided below.

Defense Costs

Defense costs refer to the expenses incurred for legal representation during the case. These costs can include the hours spent working and researching, any additional fees for the lawyer, and the cost of filing and copying legal paperwork. Fees for private investigators are also included in this part of the bill.

Court Costs

Court costs include the fees associated with the court for the day of the case and any previous visits leading up to the court’s decision. Transcript and reporter fees are also included, which can vary depending on the length of the court session and the number of copies required.

Judgments

Compared to defense and court costs, the judgment costs you pay are usually much higher when you need umbrella insurance. These costs include the reimbursement for any property damage. The overall judgment cost will also cover any medical expenses related to the case. In some instances, there could be a payment for lost income and any other costs due to the winning party.

Given the potential variability in these costs, umbrella insurance is essential to prevent you from having to sell off your assets to cover expenses, which could disrupt your life.

If you’re in the surrounding areas of Pinellas County, get a personal quote on umbrella insurance today. Our team at Percheron Insurance Group is here to help with any questions or concerns you may have and get your policy started today.

Drainage Issues and Flood Insurance

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Drainage issues throughout Pinellas County, FL can pose a significant threat to homes, particularly during periods of heavy rainfall or severe weather. While homeowners insurance varies, it generally does not cover the damage associated with flooding. That’s when flood insurance becomes indispensable for homeowners concerned about drainage issues and water accumulation on their property.

Understanding the Coverage of Flood Insurance

Flood insurance is specifically manufactured to cover water damage that arises from external sources such as overflowing rivers, storm surges, or heavy rain leading to the accumulation of surface water. It provides comprehensive coverage for structural damage to your home and injury to personal belongings. If water infiltrates your home due to insufficient drainage or surface runoff, flood insurance can potentially cover the costs of repairs and replacements.

For instance, let’s say your yard’s drainage system becomes overwhelmed during a downpour, causing water to pool around your foundation and seep into your basement. Flood insurance would provide financial support for cleaning, repairing, and replacing damaged assets. Traditional homeowners insurance would generally not cover such damage.

The Effect of Drainage Issues on Coverage

While flood insurance can cover water damage from external events, it does not provide protection against issues resulting from poor maintenance or internal plumbing issues. Your insurance company may refuse the claim if drainage problems arise from improper upkeep, like a clogged gutter or damaged drainage pipe. Avoiding such problems necessitates regular maintenance of your home’s drainage systems to prevent damage and maintain eligibility for coverage.

Remember, flooding can occur anywhere, not strictly in high-risk areas. Having flood insurance is a strategic move to mitigate stress.

Zenith Insurance Group for In-depth Insurance Understanding

Zenith Insurance Group provides all the necessary information to procure the right insurance. Our agency is at your service in and around Pinellas County, FL. Contact us today.

Avoiding Legal Troubles With the Right Auto Insurance

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Avoiding Legal Issues with Proper Auto Insurance in Pinellas County

Being a responsible driver goes beyond obeying traffic rules. It also means obtaining the right insurance coverage for your vehicles. Auto insurance is a significant matter, and overlooking this critical responsibility can lead to severe legal problems. At Zenith Insurance Group, serving Pinellas County and the surrounding areas, we assist our customers in making smart insurance choices. Let’s discuss a few types of legal problems you can avoid with the correct insurance.

Avoiding Tickets

In every state, driving without insurance is against the law. If you’re caught driving without coverage, you will be issued a ticket. This can negatively impact your driving record and future insurance premiums. Also, you may be faced with fines. Always maintaining insurance on your vehicles will help you avoid these issues.

Preventing License Suspension

Repeated instances of driving without insurance can lead to the suspension of your driving license. If your license gets suspended, you cannot legally drive in your state. This could adversely affect your life, career, and family, leading to far-reaching consequences.

Avoiding Financial Liability

If you’re in an accident that causes damage or injuries to others and you lack insurance coverage, you will be held personally liable for the expenses. This isn’t just a financial matter but will also become a legal issue. If you are unable to cover these expenses, you can be sued, potentially leading to a significant financial hardship for you and your family.

Proper auto insurance coverage is imperative to evade these types of risks. Zenith Insurance Group, serving Pinellas County and the surrounding areas, is here to assist you with your insurance needs. Give us a call today.

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