Like what you have been reading here? Subscribe now and receive email updates of our articles.

Menu

Syndicate this blog

Most Popular

Homeowners Insurance and Hurricane Coverage: Know the Facts

April 23rd, 2021 by tisner

Hurricane Season is coming soon and now is a good time to check your homeowners insurance to make sure you’re properly protected before a storm hits your area and leaves you with a damaged or destroyed home.  Hurricane season runs from June 1stand ends November 30th and peaks in September.  This year is predicted to be more active than usual.  The NOOA will be releasing its annual hurricane outlook for 2021 and predicts to have a total of 14 named storms, 7 hurricanes, and 3 major hurricanes (“major hurricane” is defined as a Category 3 or stronger). Here are a few things to keep in mind for insuring a home against these dangers: Often when a named hurricane enters the “box” (see below) North of 15 degrees North Latitude, South of 35 degrees North Latitude, West of 70 degrees West Longitude and East of 95 degrees West Longitude, insurance companies suspend binding new policies. When binding authority is suspended, all changes to existing policies are also suspended.  Coverages and/or deductibles can’t be changed until the storm has passed.  This applies to auto policies as well.  We are also unable to bind new flood policies when the named storm or hurricane enters the box.  If there is no mortgage on the home, there is a 30 day waiting period for coverage to kick in for all flood policies from the purchase date of the policy.

The good news is that most homeowners policies cover for damage from a hurricane.  Most homeowners policies have an “all other peril” (AOP) deductible for losses caused by perils such as vandalism, fire, lightening, and theft and a separate deductible for hurricane losses. The hurricane deductible is mandated by Florida Statutes.  The hurricane deductible can be as low as $500 but is typically expressed as a percentage, 2-5%, but higher percentages are availableIt is a percentage of the coverage amount, not a percentage of the loss. For example, if your home is insured for $200,000 and your hurricane deductible is 2%, you would need to pay the first $4,000 in damages before the insurance company begins to pay for damages. According to Florida Statute §627.4025, a hurricane means a storm system that has been declared a “hurricane” by the National Hurricane Center or the National Weather Service. Note, a named tropical storm does not trigger the hurricane deductible.  According to the Florida Statutes, the duration of a hurricane in which the hurricane deductible would apply includes the time period:

  • Beginning at the time a hurricane watch or warning is issued for any part of Florida by the National Hurricane Center;
  • Continuing for the time period during which the hurricane conditions exist anywhere in Florida; and
  • Ending 72 hours following the termination of the 1sthurricane watch or hurricane warning issued.

Many, if not most, insurance policies require that the customer report all hurricane losses, even those that are clearly below the deductible.  Please remember that all policies are different; it’s key to read the specific policy in question to see how deductibles are structured. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Weekly Market Snapshot 4/8 – 4/14

April 15th, 2021 by tisner

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Stats courtesy of StellarMLS

Weekly Market Snapshot 4/1 – 4/7

April 8th, 2021 by tisner


Access Teri’s one-stop Orlando FL home search website
.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Stats courtesy of StellarMLS

Tips for New Construction Buyers

April 6th, 2021 by tisner


If you are searching for a turnkey home with the latest smart technology, energy efficiency, and modern floor plan and materials, you will want to investigate
 new construction.  Of course, buying a brand-new house has some differences than the purchase of an older home.  New construction has all the things on your wish list, but there are a few things new house hunters need to be aware of. 

  • You will need a buyer agent to represent you. The builder’s agent will be looking out for their client–not you. 
  • Go through the pre-approval process but shop around for the loan that fits your needs.  If the builder’s lender has incentives and discounts, take advantage of them if it will benefit you in the end. 

Ask the builder: 

  • How many lots and homes have been sold, how large each lot is, and how much space is between houses? 
  • What is the length of the home’s warranty, and what does it cover? 
  • How much input does the buyer have in choosing paint colors and materials for flooring, kitchen, and bathrooms? What is the policy if the builder runs short on chosen materials? 
  • Is smart technology wiring included in the basic home package, and is wiring to all bedrooms an extra expense? 
  • What appliances are included in the basic price? 
  • Keep in mind that the model home you are shown has all the bells and whistles! Never assume you are getting everything in your home that the model shows. Ask about these features and write everything down as you get answers. 
  • Talk to residents who are already living in the community, and ask them about any concerns they have, and what they love about their new home. 
  • Do not skip the home inspection just because it is new construction. Be sure your purchase contract allows you to hire an inspector outside the building company. 
  • If the model home is one of the last homes left in the neighborhood, ask about buying it! You may not get every finish just as you would like, but you can paint a room or change the flooring! 

Be aware that the builder makes their main profit on upgrades and will do their best to convince you that you need that “free” entertainment package or other “gifts” they may offer. If you are a DIY-buyer, leave the custom closets and finished storage areas for later. Saving money on the purchase price of your new home is your most important goal, but you must do some “home” work first! 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Photo credit: Home Tips For Women

Weekly Market Snapshot 3/25 – 3/31

April 1st, 2021 by tisner

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Stats courtesy of StellarMLS

Weekly Market Snapshot 3/18 – 3/24

March 25th, 2021 by tisner


Access Teri’s one-stop Orlando FL home search website
.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Stats courtesy of StellarMLS

Top Video Doorbells for 2021

March 18th, 2021 by tisner


It’s a new year and a new article about doorbells. What can we say? Video doorbells have added a much-needed component to a range of systems, from home security to smart homes. Who doesn’t want to know who’s at the door before they so much as bother to get up and look out the peephole? No one. That’s who.

Choosing a video doorbell can be a challenging process. There are a lot of technical differences between many different models that look alarmingly similar, as well as various considerations like subscription fees and installation requirements to be aware of.

What You Need to Get Started

Video doorbells require various methods of installation and have different means of powering the sensitive electronics within. Before you choose a doorbell, it’s important to determine if the doorbell will require an existing doorbell transformer, and if so, in what voltage. Older systems could produce as little as six volts, while newer systems could produce as much as 16 volts.

Systems that don’t require an existing transformer usually run on a battery pack that’s removable and rechargeable, which makes them far more flexible options for homes that might otherwise not be able to power a video doorbell. With a self-install, it’s important that you monitor the power usage for the first few weeks to ensure that your doorbell is getting adequate power.

What About Subscriptions?

Many video doorbells will require a monthly subscription fee in order to maintain your video feeds on their cloud storage. You can usually choose from a few different packages that will allow you to retrieve data for a set amount of time and in a specific resolution. It might seem silly to pay extra for HD video of your front door now, but if that video feed helps catch a porch pirate because the images were so crystal clear that the perp was unmistakable, you’ll appreciate it.

Top Video Doorbells for 2021

This is not meant to be an exhaustive list of video doorbells for 2021, but these are some of the better ones on the market as of the writing of this blog, as determined by independent reviewers.

  • Ring Video Doorbell Pro 2. It’s on the upper end pricewise for video doorbells, but that’s because this doorbell has all the whistles and… er… bells. Using a radar sensor, the Ring Video Doorbell Pro 2 can actually tell where people are on your property in order to provide the best view of both visitors and intruders. It also has one of the highest resolution cameras currently available, at 1536p HD, as well as Alexa greetings.
  • Nest Hello. With a mid-to-upper price point, you should expect a lot from the Nest Hello. Fortunately, it really delivers. Although it requires a hardwired connection, the Nest Hello can recognize individual visitors using facial recognition software, as well as announce them via Google Assistant or Alexa. It also continuously records video, unlike Ring products which require a triggering event to start recording. That’s a pretty nice feature for people who need more intense monitoring, as well as those who want to keep an eye on the wildlife scampering around their yard at night.
  • Maximus Answer DualCam. Although the Maximus Answer DualCam won’t be able to communicate with Alexa or Google Assistant, it can do something no other video doorbell currently does: look straight down. This may seem like a small thing, but if you have limited porch space or simply struggle with neighborhood box thieves, being able to see that your package is still safe and sound on the porch is kind of a huge benefit. The doorbell is a dual cam, however, meaning that it also will look straight out at visitors like all other doorbells do. Reviewers have complained that the speaker can be very quiet, but if you’re only using it to watch packages, that may be a smaller concern considering the smaller price point.

Ready for Help Installing That New Doorbell?

There’s no shame in calling in some help to install your video doorbell, especially as a part of a wider smart home system. But who do you call? Just pop into your HomeKeepr community to find a recommendation for smart home experts or electricians in your area with experience. They can help you choose the right doorbell for your home, as well as upgrade any transformers before installing your brand new eye on the world.

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Weekly Market Snapshot 3/4 – 3/10

March 11th, 2021 by tisner

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

A Guide for the Final Walkthrough

March 9th, 2021 by tisner


As closing day approaches, it is so exciting to think about the move to your new home! There is one thing that is keeping you in check, however, and that is the final walkthrough. This is the last step in the home-purchase process and
 should not be skipped. What takes place in the final walkthrough, and what part does the homebuyer play?

Here is your guide to this essential step: 

  • Your agent will schedule a time meet at your new house, usually after the seller has moved out and before or on closing day. 
  • What should you have on hand with you?  
  • the final contract with all the specifics about the sale 
  • home inspection report 
  • any written agreements between seller and buyer 
  • a notepad and pen 
  • a camera or use your smartphone camera 
  • a nightlight to test electrical outlets 
  • Inside the house, everything should be in perfect working order: 
  • Turn on every light switch and check every outlet. 
  • Check the faucets in the kitchen, bathrooms, outdoor spigots, utility room, and any other room there is running water by turning on each one. Flush all toilets as well. All toilets should flush completely, and drains should flow freely. 
  • Inspect every area where agreed repairs should have been made. If there have been extensive fixes made, you may want to shell a bit extra out of your wallet to have someone with you that can be certain the job was done correctly. 
  • Inspect every appliance that is included in the sale to be sure it is running properly. 
  • Open and close all doors, windows, cabinets, and drawers. 
  • Pay careful attention to carpets and floorcoverings, every floor and wall for weakness, cracks, mold, mildew and do not forget to look for signs of pests. 
  • Turn the climate control off and on, and check heat as well as air conditioning. 
  • Outside inspection: 
  • roof, gutters, shutters, or any other structural issues 
  • garage doors functioning properly 
  • debris or trash left by the seller 
  • lawns and landscaping should at least be trim and neat 

Hopefully, your final walkthrough will go perfectly, and closing can proceed. If you run into any adverse issues, however, note them, and have your agent contact the seller. Final walkthrough problems are just another reason to have a Realtor® represent you as a buyer, as they can handle the not-so-smooth issues that come with buying a home.  

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Photo credit: Homie.com

Weekly Market Snapshot 2/25 – 3/3

March 4th, 2021 by tisner

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Stats courtesy of StellarMLS

Teri Isner, CIPS, CRS, GRI
Keller Williams At-The-Lakes
1170 Celebration Blvd
Suite 200
Celebration, Fl 34747

This site is proudly sponsored by Orlando FL Real Estate Kissimmee and Celebration
Copyright © 2008 Orlando FL Real Estate Kissimmee and Celebration | All Rights Reserved. Sitemap