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Sharing tips, solutions, experiences and suggestions to provide you with Greater Values!

End of March: about 10 weeks to June 1st and the "Hurricane Season official opening" is declared!

You have still time to prepare and get ready to mitigate, insure and make decision related to the Florida hazards!

WHAT YOU DO NOT KNOW, OR IGNORE, CAN AND WILL HURT YOU FINANCIALLY. WORST CAN BE PHYSICALLY

Get informed, educated and avoid pitfalls. Data provided are from the FEMA and Federal repository data.
Consider seeking a professional advice from a reputed Insurance Broker, a Florida based Insurance provider, as you do not want to risk the most valuable of your investment, your family, your life and the property you own (often with a mortgage and hefty capital debt owed!), content and much more..... Below an overview which you need to consider and get the best help from experts, specialists and licensed professionals.

An insurance is NOT expensive once the fate stroke. It is more affordable to pay premiums for the right coverage specific to your own situation, needs and specifics!! Several Framco members are licenses, insured and bonded as your go to person for advice, counsels and offer from a palette of different option, coverage and price point. Talk to them, compare and stay secured, dry and covered. Or be your own insurer.

A Flood Insurance Update

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In the past 5 years, all 50 states have experienced floods or flash floods.  Flood insurance cannot be purchased during a flood.  There is a 30 day waiting period once the application is processed.The exception to this is for loan closings. Therefore, it is a good idea to start thinking about flood insurance right now.

 

According to  FloodSmart.gov, the official site of the National Flood Insurance Program, at least 25% of businesses that shut down after a flood never re-open. According to the same source, only a very small percentage of homeowners buy flood insurance.

 

Many business owners and homeowners are under the mistaken impression that their insurance policies cover them for damages arising from floods. While your personal insurance and/or business insurance policy may cover water damage, flood coverage is excluded.  Just like homeowner’s flood insurance, commercial flood coverage must be purchased separately in a dedicated policy.

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Flood Insurance Misconceptions

  • You should add contents coverage to your policy, not just coverage for the building.

    Visualize a flooded home and tell me how vulnerable are the contents. 

  • Most lenders require only a minimum amount of coverage. Generally not enough to fully protect you.
  • Locations in Zone X should also buy flood insurance. 25% of losses come from Zone X locations. 

 

Flood insurance policies cover physical damage to your property and possessions.  You can refer to the Summary of Coverage  to help you better understand your policy and coverage. (Read More)

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Some of Our Members

    • Alliance Française de Sarasota
    • BIC
    • BrightHouse Business Solutions
    • Buchanan Ingersoll & Rooney
    • Cassis American Brasserie
    • Certain Teed
    • Clextral
    • E-NorhAmerica
    • Fifth Third Bank
    • HTM Lighting
    • IMG Academy
    • Jade Associates
    • KAHWA
    • Karine Bauer, EA, CCA, CB, MBA
    • Le Meridien Tampa
    • Monin
    • Ogletree Deakins
    • Sacrebleu Paris
    • Saddlebrook
    • Saddlebrook
    • Saddlebrook
    • Saddlebrook
    • Sarasota Sister Cities
    • Sentinel Background Checks
    • The Hermione Project 2015
    • Transitions
    • VULOG Carsharing Technology
    • Visit Tampa Bay

Contact Us

FRAMCO Tampa
Daniel Kijner MBA - President
Tel: +1-941-928-2084 
Email: president.framco@gmail.com
Email: framco.president@gmail.com
Email:president@framco.org

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