All Forum Posts by: Kevin Koone

Good info, I have this conversation at least a couple times every week.

John, that makes sense!!!

Liability is one of the reason I always like the RENO/VACANT policy.  It's nice to have it bundled.

Jason, I've seen you post this before I think.  I'm very curious because down here, Arkansas Mainly, underwriters really don't want a BR policy in place on renovations very often.  If it's a complete gut job or tear down, add on etc. for sure, but normal cosmetic or mechanical upgrades without changing the "footprint" they don't want to do it.  They get real touchy if someone building a home does any work before putting a BR on it.

I'm assuming where your at that's not the case?  I'm always trying to learn so thank you for the education :).

James, I always recommend it!!!  A "normal" homeowners or rental dwelling policy doesn't fit or cover while renovations are going on and it's vacant.  There are companies out there that do vacant/renovation policies that would be a good fit.  Some will go month to month.  I use Foremost down here a lot for this and they do a great job.

Good luck!

Daniel, I'm no help here but I'm going to follow your post to see what others say.  FL is hard.

Bill's correct.  If this is something you're remodeling and not living in for now I like Foremost Insurance because you can go month to month.  If you're actually living there it depends on updates, roof age, electrical, etc.

Carl,

is there a reason it's still open?  It may depend on the type of claim it is.

I though the same thing.  This is FL or OK :).  It's a mess.

Greg, check with your agent but we use personalumbrella.com when writing across state lines.  Your local independent agent should be able to help you with that.  I'm sure there are others but for us that provides some good coverage for our clients.

You can also file a complaint with the State Insurance Association, but mostly the attorney is your best route if you truly believe they're being unfair with your claim.