Don't let Insurance Lapse / Gap in Closings or between Closings ~ During the Hurricane Season

Home Stager with Innovative Artistry

(Photos) Please don't let Insurance Lapse / Gap  in Closings or between Closings  ~ During the Hurricane Season ~ or any season for that matter.  I can speak from experience that sometimes your previous home closes & your new home is not quite ready & you think you have coverage...well "if" you cancel your previous policy, & you haven't taken "occupancy" of your new home & started the effective date of that policy then you are not insured, unless you took out "renter's insurance". 

How did I learn this you might ask....well Hurricane Katrina, when she passed through South Florida (Fort Lauderdale to be exact) before she went on to New Orleans....oddly one day ago was the anniversary. (6 years ago)

I had 5 units in this storage facility as I had sold my home & was awaiting my new townhome to be completed.  It was supposed to already be ready & there was almost an 8 week lag.  In come the storms...  Well I had in the mean time upon closing, thinking that I was moving to my new home, canceled my coverage on my previous home I no longer owned... 

I did not take renters insurance as I already had set up coverage at the new location...  I did not think that there would be no coverage between because I was due to move right away & did not take out renter's insurance.  Lesson learned.  I was LUCKY!!  I only lost 1 of the 5 units ~ it was an expensive lesson, but could have been way, way worse.  (see the articles linked above)

Then we went on to Wilma.

 Hurricane Wilma before Cat 5

by the way with Wilma I had no electricity for almost 2 weeks, therefore no alarm to protect from the storage was on the 2nd floor & the elevator operates with electricity.

 I am sharing this because often others don't realize.  This was a Cat1 for Katrina at the time before she went across to New Orleans as a Cat 5.  My parents had replacement coverage with Andrew as they had a "Ripley's Believe It Or Not" waterfall in their kitchen everyday.  We squeegeed water out of the home & sunken living room daily.  Many people don't think about specifying "Replacement Coverage" for exact replacement.

You can not get any policy Homeowner's or Renters during a named storm (within so many miles - depends on underwriting...I am not qualified)  I can only tell you that I at the moment can not get renter's insurance for my daughter that just moved to a new location.....

This was the satellite of Andrew when they thought it was going to Fort Lauderdale before it took a jog down to Miami

Hurricane Andrew Before Turning to Miami

Hurricane Irene 8/24/11 midday

I am eying her ~ while she is eying us...

The bottom is Irene - I don't want her to hit "anyone" and I am insured this time, (but still not going to sleep much) 

You see with Andrew It took them probably a decade to call it a CAT 5 an experience like no other my other blog.

So, just make sure that between transactions that insurance is considered for yourself, & those in the industry, that you may be 'suggest' in interacting with in transactions, so innocent or even overwhelmed people aren't left uninsured.

I hope this helps ~ sharing lessons learned the challenging way.

Hurricane Andrew unbelievable photo

This unfortunately was the plywood off a neighbor's home somewhere nearby through a tree, ironically the tree was still standing...hard to say if fury will strike again.  We just have to do all we can to prepare


p.s.  don't forget the eye & hook in my previous blog.


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Tim Lorenz
TIM LORENZ - Elite Home Sales Team - Mission Viejo, CA
949 874-2247

Never nerver never let the insurance lap.  It is your protection against such problems.

Aug 24, 2011 06:39 PM #1
Pam Hills
Innovative Artistry - Kendall, FL
ASP/IAHSP- Stager Miami, FL, Creative Minds Innovatively At Work

Dear Tim, Thank you!  Yes, trying to get the word to others...should I have said "lap" instead of "gap"??  I have updated.  Anyway, I am hoping to make sure the word is out, in case there are others that could be affected soon.... :(, although I am hoping not...

Aug 24, 2011 07:02 PM #2
Lawrence "Larry" & Sheila Agranoff. Cell: 631-805-4400
The Top Team @ Charles Rutenberg Realty 255 Executive Dr, Plainview NY 11803 - Plainview, NY
Long Island Condo and Home Specialists

Yikes Pam, 2 weeks without electric...that must have been challenging ~ Great information you are suggesting to others. Irene may be a threat to our area now. Forecasters are still unsure which turn she may take ~ Sunday is now really questionable!

Aug 25, 2011 12:28 AM #3
Pam Hills
Innovative Artistry - Kendall, FL
ASP/IAHSP- Stager Miami, FL, Creative Minds Innovatively At Work

Dear Sheila & Larry, Thank you & I hope the information is beneficial.  I so hope you are spared.  The wind speeds slow.  It is difficult to write about a subject that not many people want to hear....but these were lessons learned the hard way, and almost learned, the hard way.  Thank you for visiting & I am so glad you stopped by.  I almost sent you an email, but it was 3am & thought well I would do it this morning & here you are :)).  Hugs & Be Safe!! 

Aug 25, 2011 12:52 AM #4
Stella Barbour
NoVa Brokers LLC - Vienna, VA
Principal Broker, Serving Virginia and Maryland

Great tip on the insurance.  That would be the worst thing someone did.  I can't even imagine.

Aug 25, 2011 02:11 AM #5
Pam Hills
Innovative Artistry - Kendall, FL
ASP/IAHSP- Stager Miami, FL, Creative Minds Innovatively At Work

Dear Stella - Yes, but I didn't even think of thoughts were "oh, it will just be a few weeks"...which turned into months..  There were no storms around, in fact it was beautiful weather .  The key may be is "if" you can ask you clients at some point what they are doing in the transition & feel them out for their time frame?  You could be their hero!!  Even I didn't think about it, which was out of character considering various aspects of my background. Well, of course you add my friend "Murphy",  he sent both of those storms within weeks of each other??   I think it was that year we exhausted the normal alphabet, & had to bring in the Greek one for the first time in history.  Be SAFE!!  Saying Prayers for you all up there.

Aug 26, 2011 04:32 PM #6
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Pam Hills

ASP/IAHSP- Stager Miami, FL, Creative Minds Innovatively At Work
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