Homeowners Insurance South Florida

Business goes full-time and looking to help community professional services

Charles Kuell, formerly of Silver Creek, now of South Dayton, has been a businessman for most of his post educational career doing everything from working with musicians to lawn-care to asphalt work.

While he was away from the area he was working with municipalities throughout the south from the Carolinas to Florida and when he came back he was persuaded by his prior customers that it's hard to find someone to do the small jobs that is reasonable and reliable. So with all being said three years later he found himself back in business part-time.

Since August of 2011 he has decided that full-time is what is needed to continue to do what it takes for providing the utmost service of Property Maintenance services of residential and commercial real estate contracts. He does contract work by season from snowplowing services to any type of exterior maintenance of property for businesses and homes as well as his asphalt and concrete sealing services. When asked he said that he has been in business now for three years and recently went full-time with it just so that he can keep up with his customer base which has increased by 130 percent over the course of three seasons.

"I am fully insured and can provide services to just about any business or homeowner," he said. "This coming season I will be looking to expand my workforce and will be looking to hire professional employees so I can continue to provide the professional services that keep my clients happy. If I get the opportunity to fulfill any contracts from now until the closing of 2011 I would be more than happy to offer senior discounts as well as a $100 credit for new commercial business clients."

If interested you can reach him at 785-9492.

No mercy for South Florida homeowners

Homeowners in South Florida are growing increasingly frustrated with the cost of insuring a home. With the New Year only days away, most homeowners face paying huge increases, averaging 10 percent, on their property insurance (wind damage and fire, not flood).

Most homeowners who received notices about the increase in their property insurance are wondering how they can cope in 2012 with paying increased property tax, increase property insurance rates, and mortgage rates that lenders are reluctant to modify, when several of them have reduced incomes from job loss, reduction in working hours, or retirement and depletion of saving accounts.

"It seems like homeowners are specially targeted," said Dion Morston of East Kendall. "I thought I was fortunate, when unlike some of my relatives and friends, State Farm , my property and auto insurance company for years, did not drop my property insurance, forcing me to accept insurance from Citizens Property Insurance , Corp. But, I just got a bill from State Farm, with my premiums scheduled to increase by over 100 percent in January."

Former Governor Charlie Crist's administration in 2008 passed a law allowing private insurance companies like State Farm, the largest private property insurer in the state, to dump policyholders. The law eliminated disincentives for private insurers to dump homeowners' policies. As a result, some 85 percent of State Farm policies went to Citizens, the state-owned insurance company

This switch to Citizens caused the cost of polices to rise for former State Farm policy-holders, who enjoyed relatively low property insurance premiums because of bundling flood, property and automobile policies. Anthony Johnstone of Miami said his premium increased by almost 50 percent when he was "forced" to go with Citizens, but, "ironically, Citizens' rates were the most attractive because other property insurers had various reasons to charge more."

Homeowner property insurance is sensitive to higher rates depending on various criteria: the material that makes the front door; whether that door opens outside or inside; whether or not the house has security and fire alarm; the material the roof is made of; if it has storm shutters and if it has an enclosed back patio. Because of these criteria, many homeowners are forced to select the insurer that offers the lowest property insurance rates, and in most cases that company is Citizens.

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