What is It? The Integrity Church & School Services Program began in 2018 to meet a need for providing Property Insurance for Churches and Schools and other Non-Profits in the state of Florida. The Program is based on a Master Insurance Policy concept which is an insurance contract issued to a policyholder that combines what…
News
What is the 4-Point System In A Home Inspection?
The four points in a home inspection are typically referred to as the “four-point inspection.” This type of inspection focuses on four key areas of a home: Roof The inspector will examine the roof for signs of damage, leaks, and general wear and tear. They will look for missing or damaged shingles, signs of water…
2023 Property Insurance Reforms with Senate Bill 2A
At Mel Himes & Associates Insurance Agency, we want to make sure our clients and community are aware of any changes to policies when buying in the property insurance market. Last month, in the December 2022 Special Session for property insurance, Governor Ron Desantis and the Florida Legislature assembled and passed Senate Bill 2A. Senate…
Responding to Injuries at Church
Church Law & Tax covers how to respond to injuries at church: Read Now
IdentityIQ available through Mel Himes & Associates
Mel Himes & Assocaites Insurance Agency, Inc will be offering one of the best identity theft products on the marketing in the coming weeks. Read what U.S. News 360 Reviews reporter Kristen Hampshire says about IdentityIQ – IdentityIQ is a U.S.-based identity theft protection company founded in 2009 that offers four tiers of security to…
Wind/Hail BuyBack Policy - Is It Worth It?
Deductibles represent money an insured must pay before insurance coverage kicks in. Most property insurance policies cover property damage claims arising from a variety of causes – fire, lightning, theft, sinkhole, Wind/Hail and more. Choosing a property policy that includes a high deductible usually translates into lower premium. It also means when a loss occurs…
Flood Insurance - Do I need it?
If you own property you should consider having a Flood Insurance Policy for the protection of your property and, to be honest, for your own peace of mind. Many people do not realize that a Homeowners or Commercial Property policy does not cover any aspect of a Flood. If a Flood does occur in your…