In order to get a mortgage on a condominium, the condominium association has to have sufficient insurance. Unit owners are tasked with getting a certificate of insurance from the insurance agent and providing it to the mortgage company on an annual basis. Mortgage companies have gotten stricter with their requirements. Now lenders provide lists of…
What We’re Seeing Locally Coastal property is continuing to take increases in property rates, but the increases are trending lower than the 2023 increases. Properties that are claims-free and well-maintained are experiencing between 5-25%. Carriers are offering full coverage limits or additional coverages and lower deductibles for some risks. Wind coverage has been easier to…
The Atlantic Hurricane Season is from June through November. The Town of Ocean City closely monitors all tropical storms and stays in touch with the National Weather Service during any pending storms. Hurricane Watches and Hurricane Warnings are issued by the National Hurricane Center in Miami. A WATCH is issued for an area that could…
Research scientists at Colorado State University recently updated their projections, and are now expecting “above average” tropical cyclone activity during the 2023 Atlantic Hurricane Season (June 1 – Nov. 30.) Many community associations activate an emergency plan as a hurricane approaches. But just how thorough is yours? Download our Hurricane Preparedness Guide to help keep your family safe…
If you lost all of your possessions today, would you be able to list each item and its value from just your memory? Nationwide provides steps to take to create a home inventory checklist. Making a detailed list of what you own ensures nothing will be omitted if you have to recall your home…
An important part of emergency preparedness is knowing how to prepare your home for a hurricane. Use these hurricane safety tips when preparing for a hurricane. Importantly, don’t wait until the last minute to gather all of the emergency essentials on your hurricane supply list. Shutters. Install the hardware needed to put up shutters or pre-cut plywood to…
As the weather warms up, you may be anxious to start relaxing at your secondary home on a lake or ocean shore property. To make the most of your time there this summer, Chubb provides 10 steps to take now to open up your property efficiently, ensure that it’s in good shape, and that you…
It’s the time of year where seasonal guests are heading home. Before making the trip back to the primary abode, be sure you properly prepare your seasonal home for the winter months. Check out these steps from GoGlass for closing your beach home: Inspect Your Property. Walk around the inside and outside of your property to check for damage.…
April showers bring May flowers, but they can also bring rainstorms that can cause flood damage to your property! Be sure to take the proper steps to protect your property. Check out FEMA’s “How to Prepare for a Flood,” which includes flood basics, info on emergency notifications and how to protect yourself before, during and…
Regular property inspections are an important part of managing condominium or homeowners association (HOA) risks. Thorough inspections increase the safety and well-being of homeowners, protect property values, and reduce the risk of costly repairs and lawsuits. Why should HOAs conduct regular inspections? Conducting inspections regularly keeps an HOA on top of security risks, as well…
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You are about the leave our site and submit the information to pay your bill. A licensed agent from our team will need to process your payment to make it official – we cannot bind coverage via web request. Let us get to work for you. Want to talk? Call us. 410-213-5600
Client Support Team
SCD Intermediaries
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