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550 South Dixie Highway
Coral Gables, FL 33146
I blogged last month about flood insurance rate increase changes and have since learned more that’s worth sharing. These changes have a huge impact for Pre-Firm homeowners (homes built before 1974) living in high risk flood zones! If you live in a high risk zone and have a Pre-Firm flood policy, your flood premium will increase as much as 25% annually until it reaches actuarially sound rates (aka full risk rate). For a buyer in these areas, there’s no adjustment period – you pay the new full-risk rate premium based on your home’s elevation. As an example, a property in a high hazard Flood Zone VE that currently has a $5,000 Pre-Firm flood insurance premium has been quoted on a new policy for $44,000-$55,000 depending on the chosen deductible. That’s a serious increase! If you own a residential investment property or 2nd home in a high risk area, you too are subject to the 25% annual increase until your investment property reaches actuarially sound rates. For detailed information about these changes, watch this video: http://youtu.be/O3eBf_Sqsw4 or contact me!
My focused dedication as a realtor in my home town of Miami for over 20 years, consistently puts me at the top of my field. Whether you’re looking to buy or sell your home, let me help you from start to finish with my results-proven: professional marketing, excellent property exposure and comprehensive experience.
As the #3 Realtor company-wide at EWM in 2012 with over $55 Million in sales, my focus is on Coral Gables, Coconut Grove, Pinecrest and South Miami — specializing in luxury real estate and waterfront properties. Call me today and let’s get started!