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Homeowners Insurance & the Closing Process
August 08, 2019 at 3:11pm | Kelly Fischer
When should homebuyers get their new property insured? Let’s discuss.
Today I’m sitting alongside Ladd Aliff, owner of the Allstate Insurance office here in Vero Beach on State Road 60. Our friendship actually dates back to when our kids played soccer together. And just this past February, I helped him and his wife with
their home sale.
Ladd isn’t here to talk about his own real estate experiences, though. He’s here to share some tips related to homeowners insurance that apply to buyers currently at the closing table and homeowners in general.
A lot of buyers prefer to wait until just before their closing date to purchase mortgage insurance, but now that we’re in the midst of hurricane season, Ladd urges buyers to get their home insured and bound at least 30 days in advance of moving. When
a storm moves into the 200-mile window, he says, all providers shut down, and if your home is uninsured or your policy isn’t officially in effect yet, this leaves you vulnerable.
Ladd urges buyers to get their home insured and bound at least 30 days in advance of their move.
He’d also like to shed a little light on something that not every homeowner knows, but that will be helpful if and when a hurricane hits our area: “With the technology we have nowadays, if a catastrophic storm does come, our agency will be set up
around town, so there’s no reason to take documents [when you evacuate]. We’ll have it all for you.”
While you won’t need to gather your insurance documents in an emergency situation, Ladd asks homeowners to find a little time to walk through their home and using their smartphone or some other recording device, film each room to create a record of their belongings. Should you suffer any property damage or losses as a result of a catastrophic storm, your valuables will all be well-documented. This will help accelerate the claims process and prevent a back and forth between you and the adjuster.
I thank Ladd for sitting down and sharing his insights with us today. If you have any insurance-related questions or you need assistance obtaining homeowners insurance, you can get in touch with him by phone at 772-562-0092 or by email at
If you have any questions related to real estate, please don’t hesitate to reach out to the Kelly Fischer Team. We look forward to serving you!