Is Your Roof Leaking?

Florida has been his with a lot of rain this Summer it’s no wonder we are all not drifting away!  With rain comes leaks.  Whether it be the roof of your home, your pump house, garage, outbuilding or car, leaking roofs can mean for a serious uphill battle against moisture and mold.

Thanks to our tropical weather it’s challenging for things to totally dry out.  The humidity just keeps the air damp and can be a breeding ground for mold.  Yes mold!  Here is a quick list of things to notice in your home or on your property that could be an indication your have a leak:


1) water spots on your ceiling

2) the smell of must when you walk into your home

3) rotten wood on the underside of your roofing materials (i.e. shingles)

4) a dip in your roof line

5) a fuzzy appearance anywhere on your wall – this could be mold

6) if you have cracks in your home’s stucco you may have water seeping into your home.  You will want to consult with a repair man but you may consider caulking those cracks

7) if you have shingle damage from hail or have had shingles lifted from driving rain you may consider getting a roofer out to inspect for damage

8) if you have cracked roofing tile or missing tile(s) you may have damage underneath

9) in your vehicle if you notice a damp smell or musty smell you may have a leak in your car roof somewhere or maybe a seal around the doors, you may consider having this checked out

Many people will use Damp-Rid to pull the moisture up but long term this won’t repair the problem.  We recommend homeowners and car owners call their insurance company to let them know of possible damage.  Once you have made that initial call begin getting repair estimates.  It’s a good idea to get at least three estimates.  A note of caution you want to ask the contractor if they are licensed and insured.  Ask for proof of paperwork too.  Be sure the insurance policy is current.  We have had clients hire a non-licensed contractor and then not have the repairs pass county inspection.  It may cost a little bit more to work with a licensed contractor but you will save yourself a lot of frustration and anxiety in the end as your repairs will be done right and pass county inspection.

We encourage homeowners to call us with questions.  If you have other homeowners insurance and you are shopping around call us for a free homeowners insurance quote.  We would be happy to give you an estimate.  We have three convenient locations in Southwest Florida including an insurance office in Naples, Ft. Myers and Port Charlotte.  Visit our contact page with our phone numbers and addresses and reach out to us today.  We look forward to answering your questions!

Severe Weather

Spring Is Here, And So Is The Severe Weather

Make sure your home is ready for the severe weather to come. Spring has been here for a few weeks and we have had a few severe thunderstorms. During these storms if your home gets damaged the first thing you should do is call your insurance agent to see if the damage actually needs to be filed. If you are jusevere weatherst missing a shingle you may want to get someone to repair it without filing a claim. Your agent should be able to help you find someone to repair it for you. Insurance companies are resorting to this because more and more people are filing claims on roof damage. Some insurance companies are trying to remap the way to reimburse home owners for those repairs. For example, in the past if your roof was damaged you would just get a new one. Now some insurance agencies are taking into consideration the actual age of your roof. This means you could have to pay your deductible and part of the new roof costs due to the depreciated value of you old roof. Insurance companies try to keep premiums down but some companies have no choice but the raise rates. This happens when more claims are filed, due to the severe weather; the rates must go up because of the money lost. Make sure you know what is covered on your policy by your insurance company if there is damage to your home. Give your agent a call and check your policy. If you need home owners insurance call Gulf Coast Educators Insurance at 239-591-0963 they will be happy to help you find the insurance the is best for you.