Boating Basics from Chapman Insurance

Boating Basics from Chapman Insurance

It’s boating season once again in Florida and at Chapman Insurance, we couldn’t be more excited to get back on the water and enjoy some fun in the sun!  Keep in mind these basic maintenance measures that will help extend the life of your boat and ensure safety while onboard. Routine Inspection Proper boat maintenance means being actively involved in all aspects of your vessel.  Look for everything from loose fittings, to fraying ropes, to any other areas of your watercraft that may need special attention or replacement. Many times, damages incurred could easily have been prevented…Read more …
Every season in Florida is sinkhole season

Every season in Florida is sinkhole season

In Florida, sinkholes can occur at any given time.  Sinkhole losses are incredibly costly and are nearly impossible to prepare for.  But did you know that your homeowner's insurance may not protect you from all damages related to sinkholes? A recent change in Florida law requires authorized insurers to cover “catastrophic ground cover collapse,” but damage caused by a sinkhole may not be covered by your policy, because the law defines catastrophic ground cover collapse differently from sinkholes. Florida law defines a sinkhole as “a land form created by subsidence of soil, sediment, or rock…Read more …
Condo Owners: Who is Responsible, You or the Association?

Condo Owners: Who is Responsible, You or the Association?

Many Chapman Insurance clients are seasonal residents here in Florida, or own a condo elsewhere, and have purchased a condo insurance policy.   For condominium owners, it’s incredibly important to know the differences between what your insurance policy covers as the unit owner, and what may be covered by your condominium association's hazard insurance policy.  This helpful diagram depicts which different items fall under the responsibility of each type of policy. As you can see, most of the “things,” like appliances and fixtures that live in the house are covered by your homeowner’s…Read more …
Holiday Clean-up Checklist: Insuring Your Valuables

Holiday Clean-up Checklist: Insuring Your Valuables

January is well underway, and it seems like everyone is hard at work fulfilling their New Year’s resolutions (right?) and settling back into routine after the holidays.  You’ve put the lights away and taken down the tree, but there’s one thing you might be forgetting to take care of when it comes to wrapping up the holiday season:  insuring your valuables or any expensive gifts that may have been exchanged this holiday season. Perhaps the kids received a new iMac from Santa - or maybe a sparkly bauble was left in someone special’s stocking? …Read more …
The Icky Truth About Septic Tank Failure

The Icky Truth About Septic Tank Failure

Septic tank failure is risk you might think you’re covered for.  In the insurance industry, it's known as sewer backup, water back-up or sometimes “rising water” (not to be confused with flood) coverage. Would you believe this coverage is NEVER part of a standard homeowner’s policy or the National Flood Insurance Program?!   Instead, this type of coverage is an endorsement to the homeowner’s insurance policy that covers property damaged by water that backs up into the home through drains, sewer, pipes, water-service, septic tank and any other type of fluid transfer system from the house. What Happens When You Aren’t Covered This type of…Read more …
Holiday Safety Tips from Chapman Insurance

Holiday Safety Tips from Chapman Insurance

While the holiday season can certainly be the most wonderful time of the year, it's also one of the most dangerous periods annually.  From potential driving risks to burglary to Christmas tree fires, there's plenty that could go wrong.  These holiday safety tips from your friendly neighborhood insurance agent at Chapman Insurance will ensure you and yours have a safe, happy holiday season. Don't be a traffic statistic. The National Safety Council predicts nearly 800 holiday traffic fatalities on U.S. roadways just during the eight-day Christmas and New Year periods.  During the TWO four-day holiday…Read more …
Our Home Has Smoke Detectors. We’re Fine. Right??

Our Home Has Smoke Detectors. We’re Fine. Right??

If your home has smoke detectors, that's enough protection, isn't it? Well, possibly.  The type of smoke detectors you have is also very important to your family's and home's safety. The facts are clear that smoke detectors in your home are important. In fact, not having a functional smoke alarm doubles your chances of dying in a house fire. And, two-thirds of all fire-related deaths happen in homes without functional smoke detectors. So, if you’re like 96% of the nation’s homes, you have at least one smoke alarm. And because you are concerned about…Read more …
What Homeowners Need to Know about Ordinance or Law Coverage

What Homeowners Need to Know about Ordinance or Law Coverage

What is Ordinance or Law Coverage? When you experience a covered property loss your insurance policy entitles you to repairs that return the structure to pre-loss condition— nothing more and nothing less. But, what if that pre-loss condition is no longer acceptable in your community because building codes, laws or regulations have changed over the years and additional, mandatory work is required to get the structure up to current local regulations and standards? Even if you have replacement coverage the replacement cost valuation provision states that any changes required due to ordinance or…Read more …
Hurricane Preparedness Tips For Your Property

Hurricane Preparedness Tips For Your Property

Hurricane season is in full swing in Florida.  It's crucial to prepare your home or business property in anticipation of a storm to mitigate potential insurance claims. Hurricane Preparedness Tips Make plans to secure your property. Permanent storm shutters offer the best protection for windows. A second option is to board up windows with 5/8” marine plywood, cut to fit and ready to install. Tape does not prevent windows from breaking. Install straps or additional clips to securely fasten your roof to the frame structure. This will reduce roof damage. Be sure trees and…Read more …