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Cronin Insurance Agency

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We recently attended a Seminar by Puroclean- one of the top Water Damage Remediation Companies in Florida and we learned a lot.

With our Heavy Summer Rains and High Humidity , we live in an environment that encourages the growth of mold. What causes Mold? How can we prevent it? and What should we do if we suspect Mold Damage in our Home?

    • What is Mold?

      Mold is an organism that grows on organic material such as Wood, leaves, paper, leather and cloth. In order to grow, it needs moisture (water) and time. Our high humidity gives mold plenty of moisture and if not remediated quickly, mold can grow rapidly over time- 24-72 hours is all it needs.

  • How can we Prevent Mold?

    The most likely places where mold can form in your home, are the water line connections, such as your toilet, your faucets, dishwasher, and Air Conditioning unit. Plastic connectors are not as durable as metal connectors, and can leak water causing mold to grow. So replacing all plastic water connections with metal ones is a great first step to preventing the growth of mold. Repairing and caulking leaky windows and doors is another great way to prevent mold. Check your home for any wet or damp areas that may be the result of water leaking and repair those leaks.

  • What should we do if we suspect Mold Damage in our Home?

    Since time is vital to the growth of mold, it is essential that you remediate as soon as you suspect Mold. Professional remediation companies like Puroclean, use a combination of Air Movement from fans, with De-humidifiers to lower moisture and removal of affected areas- most times by replacing the drywall or furniture the mold has infected. But the faster they are called to remediate the mold the more successful they are in controlling the mold spread in a timely manner and the lower the cost to both the consumer and the insurance company.

PLEASE NOTE THAT MANY MOLD CLAIMS HAVE BEEN DENIED BY INSURANCE COMPANIES BECAUSE THEY DETERMINED THE HOMEOWNER WAS NEGLIGENT BY FAILING TO INTERVENE WHEN THE FIRST SIGNS OF MOLD WERE NOTICED.

So if you suspect you have the conditions in your home to cause Mold,

  • Find the source of the water and stop the leak.
  • Remove the water from the leak area.
  • Set up fans to move the air around in the room.

If the Mold has already formed or you have a major water leak in your home, Call a Water Remediation Company like Puroclean who can dry the room, Dehumidify it and remove any mold from your walls or furniture.

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Save Money on Car Insurance!

Cronin Insurance Agency

Cronin Insurance agents can save you money!

Citizens Policy Changes

Effective May 1 for new business and June 1 for renewals, Citizens is reducing or limiting coverage on their Personal Residential policies. These changes affect the Owner Occupied HO3, the Condo Owners HO6 and the Landlord owned Rental Dwelling policies.

  • The first major change is the reduction of Personal Liability from $300,000 to $100,000. Most Umbrella policies require $300,000 underlying liability, so this creates a $200,000 “Gap” in coverage that needs to be filled by an Excess Liability policy.
  • Next, the maximum Mold Coverage you can buy is reduced to $10,000 on Property and $50,000 on Mold Liability.
  • Lastly, there is now a minimum Sinkhole Loss Deductible equaling 10% of your Dwelling Coverage.

Contact us at Cronin Insurance with any of your questions about these Citizens changes. We can explain how these changes affect you and also see if there are any alternatives to Citizens for your home.Contact us at Cronin Insurance with any of your questions about these Citizens changes.

We can explain how these changes affect you and also see if there are any alternatives to Citizens for your home.

 

 

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Obamacare

Can Florida Comply With New Health Insurance Exchange Deadlines? The Department of Health and Human Services released its interim final rule on Affordable Health Insurance Exchanges. The rule will offer states flexibility as they design health insurance exchanges in compliance with the Patient Protection and Affordable Care Act (PPACA) also known as Obamacare. States can [...]

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PIP Reform Passed By The Florida Legislature

PIP Reform Passed By The Florida Legislature   In an extremely close 21-19 vote, the Florida Senate passed a compromise with the Florida House and gave Governor Scott one of his top priorities- PIP Reform.  No side was able to get all they wanted, but both the Insurance Industry and Governor Scott praised the compromise. [...]

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Should You Buy Uninsured Motorist Coverage?

We belong to the Florida Association of Independent Agents and one of our mentors, David Thompson recently quoted these statistics: The Insurance Information Institute recently reported that 24 percent of the vehicles in Florida are completely uninsured.  That statistic puts Florida in the “top five worst states” for uninsured vehicles.  Scott Johnson recently wrote in [...]

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Gov Scott Demands PIP Auto Reform

In a Press Release issued at the end of 2011, Governor Rick Scott and Chief Financial Officer Jeff Atwater challenged Florida Legislators to reform the Personal Injury Protection (PIP) coverage required on all Auto Policies. PIP provides $10,000 to pay medical bills, no matter who is at fault in a crash. According to the Florida [...]

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We Have A Winner!

On December 3, we participated in the “Holiday Adventure at Loggers Run” where our office is located. It was a fun day and people were stopping by throughout the day to enter our contest to win Free Movie Passes to Cinemark Theaters. We are happy to announce that Joe Jenette of Boca Raton is the [...]

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Aetna Releases IPhone App

Aetna has a free Mobile App that is compatible with iPhone®, iPod touch® and iPadTM. With this new app, Aetna members can: Find a Doctor, Dentist, or Facility- Search based on current location and call the office with a tap of your finger, View a map, Transfer the Doctor’s information right to your address book.

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Workers’ Compensation Exemption Applications Now Available Online

Business owners can now apply for and renew their workers’ compensation exemptions online through the state Division of Workers’ Compensation’s website.  Only corporate officers and managing members of a limited liability company (LLC) engaged in the construction industry are eligible for an exemption.  Once exempt, a business owner is not subject to workers’ compensation premium [...]

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Will You Have to Wait to be Covered for Floods?

This article is just in from one of our Flood Carriers- Fidelity National Insurance   With the imminent flooding along the Mississippi River and its tributaries, questions about the waiting period of a flood policy are rising.  Here are a few facts and their basis for your use. Fact:  In connection with a new loan closing [...]

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