#Florida condo law case studies

[andrewjbernhard]

Challenging Condo Special Assessments Under Florida Law: Essential Guide for Homeowners

Are you a condominium owner in Florida facing an unexpected special assessment and unsure of your rights? Our latest guide is here to help. This article explores grounds for challenging assessments if you believe an assessment is unfair.

In Florida, condominium governance involves a nuanced interplay of laws designed to protect both individual unit owners and the collective community interests. A common source of contention is special assessments—extra fees levied by a condominium association to cover unforeseen expenses or improvements not included in the annual budget. If you face a special assessment you deem unfair,…

[ill-skillsgard]

Cat Burglars - Henry Deaver X Mistress

Warning: 18+ mentions of sex/cheating/mature themes. Please read at your own discretion.

Note: A little development, angst and a touch of cuteness!

Read more Henry x Mistress here > Masterpost

A hand on your shoulder startled you until you realized it was Henry. He wasn’t supposed to touch you or even smile too long, but sometimes, the man was blissfully negligent. You drew back in your chair and smiled at him.

“Yes, Mr. Deaver?”

A knowing grin widened across his lips, drawing his natural pout into a pleasing line, complete with chin dimple. “I’m about to start my meetings once my client arrives in, oh, ten minutes.” He looked at his watch. “Can you make sure that nobody disturbs us? It’s very important.”

“I know,” you replied. “You have three in a row with ten minutes in between. Assuming Bastion doesn’t talk your face off, you might make it out for lunch. And if not, I can grab you something.”

“I would love that,” Henry said with a sigh he didn’t intend to sound dreamy. “Thank you so much. If it’s a quarter past noon, just assume he’s talked me into a coma, and you can jet out for lunch. Whatever you want. I’m not picky.”

“Sounds good.” You returned his warm smile and turned to the papers on the desk.

The office was quiet that day, and you got a lot of work done while Henry was busy. The second client left the office looking rather pleased with himself, and Henry emerged for a bathroom break.

“Two down, one to go.” He winked at you.

“Bastion should be here any minute,” you tapped your wrist.

“Sounds good. If he arrives before I’m back, just send him in.”

Henry left and came back in time to intercept his last client of the day. The two men entered his office and shut the door. Your stomach growled ten minutes before lunch, but you put it off and crossed your fingers that Henry wouldn’t get bogged down in Bastion’s golf-talk. Henry hated golf, but his client was a top-tier, so he had to suffer through dry conversations about Florida, witless caddies and club brands.

At 12:15, the door showed no signs of opening, so you filed away your work and began to scribble out a note to leave on your desk in case Henry finished while you were out. A clicking noise approached as you signed your name on the bottom of the note and tucked the end of the pen between your lips. It was a bad habit, but one you hadn’t been successful in shaking since high school. When you looked up, a woman was standing in front of your desk.

“Hello, may I assist you with somethi—”

“Save the pleasantry. I need to speak to my husband,” her voice slithered out like a viper’s tongue.

It was Mary standing before you. You flinched from the realization, remembering her face briefly from the grocery store. Her eyes flashed and all the blood in your body drained into your legs, causing them to buzz and wobble. She gestured toward the door expectantly. “Well?”

“Uh, um... H-Henry... Mr. Deaver is in an important meeting right now and mustn’t be disturbed,” you stammered.

“Where’s the other girl? Who are you?”

“Oh, I... I’m filling in for her while she’s on maternity leave.”

You wondered if she recognized your face as she studied you over the desk from head to waist. When she noticed the make of your clothing, she quirked a thin eyebrow.

“Very nice outfit for a temp,” she said.

You didn’t know what to say and blanched a touch more. 

“When will he be finished? This is just as important as whatever he has going on right now,” she waggled a manila envelope in her hand. You noticed her diamond wedding ring glinting in the incandescent light.

“I’m not sure when he will be done. I was told not to let anybody in.”

“Well, I’m not just anybody. I’m his wife.”

Not for much longer...

“Okay, ma’am, I still can’t let anyone in.”

Mary breezed by your desk with a scoff and brought three hard thumps down on the office door. You looked on in horror while she stared at the door as though waiting for it to disintegrate. When there was no answer, she knocked again louder. 

“Henry!” She called out.

Some eyes peeked out over desks at the disturbance, some lingering and others turning away immediately. Mary sideswiped you with a vicious glare and looked at your fidgetting hands.

“Nice pen, by the way,” she smiled softly.

The silver pen twirling in your fingers stopped moving. You placed it on the desk and felt your head get lighter. The office door opened and all two hundred and fifty pounds of Bastion the insurance broker appeared with Henry looking rather spooked behind him. 

“Mary! Good to see you!” The jolly man opened his arms.

“Pleased to see you, Bastion. Sorry, I can’t chat. I have an important meeting with my husband.”

“By all means!” The man decreed. “We should get together some time. You, Henry, me and June! It will be like old times!”

“Sure thing, Bastion. Good day.”

The office door shut behind the insurance broker, cutting off your view of Henry’s pale face. A nervous heat crawled up your back, beading your skin with sweat. Objects were leaving trails behind as your eyes wiped over them. Even Bastion noticed you looked wan as fresh paper. He made an act of looking at his watch.

“Lunchtime, little lady. You should get yourself something to eat. You look like you might need it.”

“Thanks, I will. Sorry for the interruption,” your voice was brittle but audible.

Bastion leaned up against your desk, oblivious to the jolts of panic beating in your stomach. “It’s not to worry, little lady. Henry, Mary and I go way back. I got them their first policy after they got hitched. They were just two young kids. None of this fancy-shmancy Prada and beamers. Hell, even I was a rookie back then—”

Bastion’s story was cut short from the sound of glass shattering. Voices raised beyond Henry’s office door and your eyes widened. The broker chucked a curious look at the door. All the eyes that peeked out before were now anchored to the entrance to Henry’s office. Pale and cold as china, you pocketed Henry’s silver pen and looked around your desk for anything that might give away more than what you wanted. 

There was nothing on your desk that might show further connections with Henry except a bright yellow sticky note that he had drawn a childish heart on in black ink. You peeled it off, folded it into fourths and pocketed it as well. You heard more shouting from the office.

“I think you better call security. Sounds like somebody in there is about to get their ass kicked,” Bastion thumbed at the door before making a quick exit.

One of the floor supervisors came over, imploring you for answers with a serious look without having to utter a word. Her eyes bugged out behind thick glasses. You imagined Mary getting in Henry’s face, the broken glass — whatever it was — and the venomous insults you had heard the day she showed up at the condo. Your muscles screamed out to run in and put a stop to her tirade but your bones remained rooted. The worst thing imaginable would be to attempt an intervention. 

“You’re fucking someone! You have been this whole time!”

“This isn’t the place to be having this discussion, Mary!”

“Ingrid saw you with a woman!”

The exchange warbled in your ears as blood pulsed through your head, dizzying you and shortening your breath. The supervisor went to the door, but it swung open before she touched the handle. Mary appeared, twice as red as when she entered.

“Move!” She spat, and the supervisor stepped aside.

Mary walked right to your desk and didn’t break eye contact with you for a second. “Call my husband’s lawyer and set up a meeting. We’re going over this bullshit settlement in the presence of the law.”

Henry finally appeared, shaken and ready to burst. “Don’t talk to her. Your problem is with me.”

Mary gave a dry chuckle. “She another one of your whores?”

“Excuse me—”

A security guard rounded the corner and Henry sighed. When Mary saw him, her chuckle turned into a great peal of laughter. “Oh, you’ve called security on me, of course. Well, let it be known that your precious Mr. H. Deaver is a cheat and a liar who fucks whores!”

“Mary, Jesus Christ, just go before you get yourself in trouble,” Henry insisted.

“I’m surprised you can get your dick up for the prostitutes,” she jabbed. “Oh, I will ruin you. You’ll have nothing but an outfit left after this. You want your divorce? You want freedom? I hope you enjoy it with an empty bank account!”

“Ma’am, you need to come with me,” the security guard motioned for her to come away.

Mary stormed past the guard and left the entire floor gawking like fish in a tank. All eyes were on Henry, including yours. He stood straight at the door to his office, shaking his head. Once you were certain his wife was far enough down the elevator shaft, you got up and went into the office.

The wreckage was merely a drinking glass and the manila envelope in shreds on the desk. Henry came in quietly, shut the door and risked a look at you. “That went terribly.”

“Well, now the entire world knows. Or, at least, the entire floor.”

“I’m sure the news will travel quick.” Henry pinched the bridge of his nose with a sigh. 

“What happened?”

“She received my settlement proposal.”

“And? Suffice to say she didn’t agree with it?”

“She said her friend saw me... Us. I was a few days away from an even fifty-fifty split. Somebody saw us out. Now she wants everything... And...” His words trailed off.

“And?”

“She wants to keep my cat.”

“Your... Cat?”

“I have a cat at the house. He would have come with me to the condo, but the pet policy... Oh, god. She will never let me see him again.”

You tried not to point out the absurdity of the situation, but Henry was visibly upset. 

“She just announced to the world that you fuck prostitutes, and you’re upset about a cat?”

“He’s not just a cat. He’s my cat! I adopted him. He’s mine and she won’t give him to me.”

“Henry... A cat.”

“You don’t understand, okay? This cat... He was there when she wasn’t. She doesn’t even care about him! She buys him the cheapest food possible. And he hates her!”

“She threatened to drain you, Henry! In front of your entire office.”

“No. No... This is good,” Henry nodded. “This is great. She came in here like a hurricane. All I have to do is call up her supervisor and tell them what happened. She’ll lose her job over this. She won’t be able to afford her lawyer.”

“This is insanity,” you mumbled.

“Help me,” Henry took a step closer to you. “Babe... You have to help me. We need to get Gromit back.”

“Gromit?” You tried not to giggle.

“If she hasn’t changed the locks on the house yet, I can still go in there. We can go get him.”

“We?”

Henry grabbed your hand and brought your fingers to his lips for a quick kiss out of habit. “Please, baby. I need you.”

A knock on the door forced Henry to step back quickly. The feeling stayed on your fingers as he called for whoever it was to come in. It was another security guard with a clutch of inquisitive employees peering in behind him. “Everything okay in here, Mr. Deaver?”

“I’m fine, my good man,” Henry’s chest puffed out. “Thank you.”

The guard left with a nod and Henry deflated when the door closed again.

“So, are you up for a cat-heist?”

“You want me to become a real-life cat-burglar with you?” The question rang with a hint of amused unrest. 

“Yes. I need you to help me steal my cat. Please.”

All of the trepidation shaking your nerves faded and you nodded with a smile. “All right, fine. Let’s steal your cat back.”

~*~

You never knew what Henry’s house looked like, but you had your suspicions. It was a large two-story home on the outskirts of a suburb, one of a handful that wasn’t a copy of all the other tidy homes in the area. Henry parked down the street and you waited in his car until his wife pulled away.

“She’s going to her book club. She should be out for at least an hour,” Henry explained.

After work, Henry took you home so you could change out of your office clothes into something subtle and civilian. Henry shed his jacket, tie and unfastened the first two buttons of his shirt. There was a rosy splotch on his collarbone peeking out from his undershirt — a little mark you left on him the night before.

Henry went in first, disarmed the alarm and then motioned for you to come in. There was no time to take in the details of the house, but it was just as magazine-worthy as you expected it to be. The floors were shiny, the banister polished and there wasn’t a dusty object on the shelving units.

“Won’t she notice the cat’s gone missing?”

“Oh, I don’t think so. At least not for a while. I paid the cleaning lady to feed him and pet him every day. She doesn’t care enough to notice.”

“Okay, well, if you’re not worried then I suppose I shouldn’t be.”

“Of course not. It’s my house, too. My name’s on the mortgage,” Henry pointed out.

Without further questioning, you followed Henry upstairs while he whispered for the cat. At the top floor landing, Henry let out a soft gasp. Alarmed and still on edge from the incident at the office, your eyes shot to where Henry was looking. A grey tabby cat brushed up against a doorjamb, purring and mewling for attention.

“Gromit! My boy!”

You watched him pick the cat up and cradle it in his arms like a child. The cat didn’t seem to mind the treatment and nudged his owner’s chin affectionately.

“Okay, that’s some next-level cuteness,” you scoffed.

Henry beamed at you. “Told ya. He’s the cutest boy in the galaxy. Yes, he is!”

Not wanting to interrupt their reunion, your eyes wandered over some photos on the wall. There were pictures of parents, grandparents, extended family and a few of a younger Henry looking happy with his wife. You wondered how long into their marriage they were in the photos. When Henry noticed you looking, he set the cat back down and went to you.

There was a photo of Henry and Mary sitting at a table in their wedding clothes. Mary was gazing at the document that Henry was signing with a recognizable silver pen. It was the same silver pen you saw him writing with before you ever knew his name; the pen she saw in your hand earlier that day.

“Hey. Everything good?”

You smiled at him, though your heart skipped a beat. “Yes, everything’s good. I just like to see old photos of you... Even if they’re with her. God, you’ve aged well. You’re so handsome.”

His cheeks turned pink. Henry was still green with receiving compliments about his looks. The man had convinced himself over the years he was nothing more than average, but the intensity of his bi-coloured eyes, the cut of his cheekbones and the plumpness of his lips told otherwise. You touched his chest and kissed the space between his nose and cheek before going for his mouth.

“Soon you and I can have our photos up on a wall.”

“I’d rather have you fuck me up on a wall.”

“Yeah?” Henry’s eyes darkened with mischief. “You want to fuck in my old bedroom?”

“On the bed that you used to sleep in with your wife? The bed she sleeps in every night?” You asked. 

“Um, yes?”

“Fuck yes, let’s do it.”

[piatalvere1971]

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[andrewjbernhard]

Navigating Declaratory Judgments for Condo Associations and HOAs: Milestone Reports and 40-Year Certifications in Florida

Attention Condo Associations Florida! New regulations, managing milestone reports, and 40-year certifications is daunting. This post dives deep into how declaratory judgments can be a crucial tool in ensuring compliance and resolving disputes. #Milestone

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[stevensandgoldwyn]

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[hoganleslie93]

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Dallas auto insurance rates by company. This can include rates from a variety of insurance companies. We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best auto insurance companies. To compare home and auto insurance quotes in Orlando, add our free tool above to get started. Whether you re driving your own car or renting, you will have to pay for car insurance in Orlando at all times. If you get into an accident and don t have Florida auto insurance, you will be asked to pay for damages to others. Insurance is the only way to make sure that you are financially covered and will never have to pay out of pocket to pay for damage to someone else s property or injury to another person. It does not matter if you are in an accident and cannot afford insurance, you are responsible for making sure you are covered and working with your own insurance. It also helps to make sure that you are not subject to a high deductible as the higher up the deductible can be on your policy..

Best Car Insurance in Dallas, TX

Best Car Insurance in Dallas, TX. I called them and read up on them. When you look at the rate with an auto insurance company, it is much more than the car you get it to and even some companies can be much higher and the coverage on your car insurance will get higher as the car is older. So, to summarize that it isn’t always as you as a driver can get it to get an insurance plan and it’s the coverage you get and it is just so much higher than you can get a coverage. I don’t ever want to deal with all those negative opinions and things that are out in the open. My family gets our own personal lines car insurance which is an easy way to be sure we don’t lose coverage. My son goes to the dentist and they don’t even have their policies. He just needs to go to the doctor. We get the same rates of insurance on both vehicles at $1800 and the rate is way higher than the guy.

Dallas auto insurance premiums by age

Dallas auto insurance premiums by age and household size. Using the same sample driver profile as above, an individual can get rates for 35-year-old single female driver age $259, while 30-year-old driver insurance costs can be as high as $317. An individual can also request quotes from other insurance companies such as USAA. An 18-year-old male driver can get quotes from Progressive, National, and GEICO. The same sample driver profile for 40-year-old female driver age is provided above, but female 18-year-old male driver insurance rates are also slightly higher than those calculated for 40-year-old female driver age. The rates shown for the sample driver profile are from all states for which car insurance premiums appeared for a minimum coverage policy. We used the average cost of full coverage auto insurance by state for the study, as detailed above. Here are the average full coverage rates for the same age comparison. We used policy form number 973081, where we updated it for.

We re a multi award-winning insurance agency who has decided to do things differently in the market.

We re a multi award-winning insurance agency who has decided to do things differently in the market. We ve grown to offer people, families and businesses their friends and family who depend on us for family and business needs. We believe the relationship between insurance agents and clients extends far beyond a phone call. Whether you need information, insurance quotes, or just an office to share with us, our agent can quickly fill in the blanks. We offer all lines of insurance, including homeowners, renters and condo insurance, as well as travel and commercial insurance. We specialize in the following lines: We re an independent agency with offices in Southport, Nampa, and Jacksonville, FL. Call today for a free, no-obligation consultation to discuss your auto insurance policies. We are the best company for all drivers because we help our clients save money for the past 30+ years. When an agent from R.T. Insurance Agency Service Agency Service Center visits me at a store in Tampa and I say Hi as he tells me My car.

Personal Insurance

Personal Insurance and can help you find cheap auto insurance. You could be saving up to 50% or more on your car insurance! The average American pays $1,173 per year for car insurance, but in South Korea, the average annual rate hikes to over 50% in South Korea last year. If you choose a whole life insurance policy, you can expect to pay around $1800 to around $2800 a year. To get the most bang for your buck, you can consider a policy for around 50% more than your ancestors. Even though there are many options available, the selection of policies is not on the simple side. There are so many different types of insurance (which policy types and features coverages, what kind of coverage you have, and which ones don’t), there are just too many to choose from. Choosing the right company is important, and it makes so much sense. It’s not easy to shop around after an accident or other situation, but the.

Available Insurance Companies

Available Insurance Companies: State Farm Insurer: State Farm Insurer: Farm Bureau Insurer: Farm Bureau Insurer: Western National Insurer: West Bend Insurer: Wichita Insurer: Western Pacific Insurance Companies: West Bend Insurer: Western Plains Insurer: West Bend Insurer: Walker Insurance Company (formerly known as US Insurance Co.) is an insurance company registered in California. We operate as an independent insurance agency offering an extensive selection of affordable . It is illegal to drive in North Texas without liability insurance. To drive in North Texas, you must carry proof of insurance in your vehicle at all times. These auto insurance documents are available to you by North Texas Motor Patrol. It protects you against auto liability claims not just filed by another driver but also by other auto owners. To make sure you are protected, it’s crucial.

CoVerica Is Supported By The Best A+ Rated Insurance Brands In The Country

CoVerica Is Supported By The Best A+ Rated Insurance Brands In The Country To give companies an idea which companies make the best insurance for you, we collected the top three auto insurance companies in the country, and sorted it into four tiers based on our rating system to get a quote today. Here are the top insurance companies we review… is a top-rated insurance carrier that is designed to help meet a variety of insurance needs, including the majority of the auto insurance market. If you’re looking for cheap rates and you’re on one of these different lines, consider getting a quote from Progressive – you could get a premium rebate for your home insurer. is an insurance company offering policies specifically tailored to the type and level of insurance coverage. It offers several types of policies, allowing policyholders to pay for the coverage they need with as little or no paperwork – without the hassle of paying for expensive extras you may not have expected (and don’t know). When it comes to auto insurance, we say first and foremost, get your policy in writing..

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florida condo insurance rates

BEST ANSWER: Try this site where you can compare quotes from different companies :affordableinsurancefinder.top

florida condo insurance rates

florida condo insurance rates can vary by thousands of dollars and often even more than what we have to offer. Talk about a cheap insurance company. As an independent insurance agent, you can rely on the company to follow the high standards set by the Department of State and most major chain stores. We will shop across the United States and have experienced local insurance agents that can give you a free quote on a policy. If you’re looking for great home insurance rates and low cost coverage that includes full coverage with no lapse insurance in case you had a covered loss, we are your independent insurance agent. We can provide coverage for your own home and auto with no lapse insurance or we will shop across the US and be able to provide you with an even lower amount of coverage that meets your coverage needs. We are very grateful for every customer that has been with our company for more than 10 years. No matter if it’s an emergency, get a quote today for a low cost Homeowners policy that includes full coverage with. florida condo insurance rates at different levels to help maximize you savings. In exchange for buying your new condo and insuring it with the same company, you’ll get a discount on condo insurance. Your condo is the best place to start research for your condo insurance needs. Check out our guide to what to do when a condo insurance claim happens, and what you need to do so that if you are losing your condo, coverage can be of real benefit. This advice does not in any way negate the need for condo coverage. A lot of people who live in a condo don’t own a house, which has been sold to another person, and therefore their condo insurance doesn’t cover the damage to their property. This is a very common situation. You can have a representative from your insurance company file a claim to get the damages covered if they’re at fault. But condo insurance policies do not cover damage to the building itself. Damage to the walls, stairs, and floors of a condo. florida condo insurance rates, and if you know where to look, we’ll help you find the insurance solution. How much does insurance cost for you and your family? As we age, you start to see the benefits of getting more coverage, as well as a safer life. Life insurance gives you the peace of mind that your family s needs, and how long you live in the future, will always be protected. What happens if I didn t have life insurance? If you haven�t been planning for when you die, and are expecting the worst, you have no choice but to leave your loved ones a big warning label. If you re still alive, you might find this inconvenient truth difficult to ignore – so how about you and your loved ones and your financial and emotional needs? If you don t have life insurance, can you keep it because of the financial risk you might face if you get into a car crash? No. You can keep it if.

How much condo insurance do you need?

How much condo insurance do you need? Here’s a guide to help you figure out. If you’re looking for, well, if you own your condo, it’s more than likely that you need to get renters insurance, but if not, you can always switch over to another provider. That’s not to say that you should simply get insurance when you move out. When you’re renting an apartment, or even a house, you need apartment insurance. And, yes, a condo isn’t necessarily a better investment than you had in the first place in the hopes of having that covered, but still a very affordable if you don’t overpay. Plus, your landlord’s insurance has insurance on the structure, so you’ll have to ask to have it on you if your landlord wants insurance. There’s one final thing to note here. Sometimes the landlord’s insurance doesn’t have enough coverage to protect you in the.

How to find affordable homeowners insurance in Florida

How to find affordable homeowners insurance in Florida and find the best homeowners insurance for your situation. Finding the best value home insurance policies in Florida is easy with , which can be found on top of most insurance coverage offerings in the Sunshine State. Whether you re looking for , , or , it s easy to find the very best coverage from the following: Palm Beach, FL homeowners insurance companies will take into account the properties, structure, and details that will affect your home insurance policy price. The best way to find these protections is to work with an agency that has access to many of the best home insurance in Florida, including AFI, ABIA, AFG, FOB, FREIP, and FOBINO. The Florida Independent Insurance Brokers of the State, INC has the following offices listed in the state of Florida: If you are considering purchasing home insurance for your homes, remember that you’ll still need home insurance in Florida as well. The easiest way is to contact an independent insurance agent in Florida, providing information on.

Florida Homeowners Insurance

Florida Homeowners Insurance Premiums Annual Percentage Uninsured % Uninsured% Percent of Marital Homes Married % Married% Multi-Family Homeownership % Mortgage Balance % Property Damage Total % Average Annual Homeowners Insurance Premium by Local Level HomeownersAC Property Damage Average by Local Level Property Damage Property Compensation Average by Local Level Property Damage Coverage Average in Marital Homes/Property Damage Coverage by Local Level HomeownersAC Home Damage Average by Marital Homes/Property Damage Coverage by National Leases RetiredHomeowner85 Homeowners Insurance Premiums for Home Owners in California$1,000$10,000$16,000 New Home Owner-Administered Homeowners Insurance Premiums at National Leases$1,000$4,000$14,000 Annual Monthly Home Insurance Premium.

What Can You Do About Your Increasing Florida Property Insurance Premiums?

What Can You Do About Your Increasing Florida Property Insurance Premiums? In this article, we answer some of the most frequently asked questions about your Florida auto insurance and why you really need it. Some common factors in Florida are your vehicle’s age and what type of car you think might be of worth purchasing, but Florida has a state-wide auto insurance law to protect drivers, including drivers who don’t need to purchase coverage for the first time. Florida’s is less than the national average of annual auto premiums. In fact, car insurance premiums are on the higher end in Florida as it is far from the capital of most countries by comparison. A study by the found that Florida has the second most affordable insurance in the country. For example, a driver with a $1,000 deductible pays only $1,081 in annual premiums, compared to the other states insurance, . However, a driver with the same deductible and a low policy will pay more than the average car insurance policy for their state. The state has one.

Condo Unitowners insurance

Condo Unitowners insurance in Missouri may also save you money with a policy from . While you can purchase an office, retail, and wholesale policy, you may need to purchase office or wholesale insurance in each state. This will affect the total cost if the insured person is not at their home (or not located in the state). However, when you choose this option, the insurer doesn’t pay the deductible if someone comes to your office and starts a car accident. In the State of Missouri, you do not have to purchase personal injury protection and your car is covered in case you’re involved in a lawsuit for any reason. However, the automobile company will pay the minimum amounts required to cover your damages if you end up injured in a car accident. This includes medical expenses including ambulance fees, medical bills you need to visit your family for, and additional costs in the case you can’t afford to pay any legal fees in the case of a lawsuit. If you opt for coverage, the minimum level.

How to save on condo insurance

How to save on condo insurance cost? Compare quotes from all companies. When it comes to cost reductions, the best way to save is to choose a plan that doesn’t break the bank. When you first begin your quote search, it’s essential that you compare rates among several insurance companies to find you the best bang for your buck. This can be quite difficult for those who might not have had coverage for a long period of time. The first step to improving your condo insurance price is to evaluate your current provider. When looking at your current provider, look to compare rates for the following types of coverage: One of the first steps to reducing your condo insurance cost isn’t necessarily replacing your basic insurance. Many people don’t realize that condos are an important part of their lifestyle. Whether you’re planning an online visit to your condo or you’re still basking in the hospitality offered by your home, there is a chance that you can save on your condo insurance for years by.

Why Should I Choose Olympus Insurance?

Why Should I Choose Olympus Insurance? Olympus has been around for more than a hundred years. From being originally a mutual company, Olympus has been one of the largest insurance providers in the United States today. OPDC has an A1 rating with the Better Business Bureau. Olympus is currently licensed to sell life insurance in the following states: In this guide, we’re going to provide you with a brief overview of Olympus insurance policy terms and understand what you may be asked to pay for coverage while using the provider. Olympus offers a wide variety of insurance policies on its own, covering vehicles, house, garden, and more. Olympus Insurance is part of a larger , which offers a wide range of policies to keep riders safe and protected. Olympus says that the company has recently launched new products called and in the United States: Olympus.

What does a condo association’s insurance policy cover?

What does a condo association’s insurance policy cover? This depends on what types of coverages you want, but most insurance policies cover damage to a structure and other structures, as well as the cost of those structures. That’s why any need to have an policy is worth looking into, especially when you’re dealing with something as important as a condo association or other structure. For more information, check out our full guide to condo association insurance. It s common for a homeowner to get their insurance policy on their condo and other structures under one’s own name. It’s important to understand that policies are written to protect you and your members only. If someone is hurt in your condo as a result of a fire, you are covered, but when it comes to getting your condo insurance, many people confuse covers.  Here are some facts and common misconceptions that often come up after purchasing your insurance policy: Covers damage caused by a fire. Sometimes, your landlord will also have insurance for those.

Why Should You Get Florida Condo Insurance Quotes From Olympus?

Why Should You Get Florida Condo Insurance Quotes From Olympus? Olympus is a multi-brand name in the insurance industry in the state of Florida. There are many . There are many options beyond the standard state provided. The largest of these options is not included through Olympus. Olympus gives their Condo Coverage. These are the most common options, though other policies can be added for higher and lower premiums. Olympus sells its Condo Insurance in Florida, Florida, and Georgia. What is it that you want to add to save?  You must buy a Condo Insurance policy, but most coverage costs are low. In fact, it isn’t cheap, so the Condo coverage can be a good way to save money, in the meantime. So don’t buy your Condo Insurance in Florida, Florida, or Georgia. The Condo coverage is optional when you are not planning on using a Condo. A Condo Insurance policy covers the cost of an individualized condominium structure, such as in a single-family home, cond.

What does condo insurance cover?

What does condo insurance cover? Does it cover a mobile home? You may buy insurance if you rent a room or unit in a larger, more expensive structure. If you rent something for a longer duration you can buy a portable dwelling card. Many mobile home homeowners policy policies don t insure mobile homes. If your mobile home’s built in garage gets hit by someone who s driving a car, you don t have to pay out of pocket to pay your mobile home’s repair. Mobile home coverage typically includes a $1,500–or $10,000 loss amount to cover the loss. Many mobile home insurance policies don t cover mobile homes because of the high levels of burglary at their homes. If someone hits the phone or steals the phone, you don t really have to worry about this either. Mobile home insurance may cost less because the policies do replace your phones frequently. But if your phone does break, you won’t be able to afford the repairs that your mobile home insurance will cover. Many.

[anayahinckley]

renters insurance claim

BEST ANSWER: Try this site where you can compare quotes from different companies :4insurequotes.xyz

renters insurance claim

renters insurance claim is often covered by your homeowners policy - even if your policy has comprehensive cover, the deductible is not the amount covered. It should be mentioned and the value of the other property damage is usually determined based on a separate portion of the homeowners insurance contract. Some of the features that are commonly known for being an insurance policy on your home or belongings will not be covered under most homeowners policies. However, certain insurance companies offer coverage on some types of personal belongings as well. If you want to speak to a representative about your policy - especially if you have recently moved, borrowed, had a vacation or a baby purchase - we may be able to help. For example, if you have a $500,000 home, you can add a liability protection, home health insurance or personal umbrella coverage to make it easier that you can avoid a claim if you don t have liability insurance. If you have renters insurance, your landlord may require you to have renters insurance coverage on the home, especially if renters have any coverage. renters insurance claim, $100,000 or 30 years and your name will be permanently on your person’s insurance policy. If you owe $9,500 in additional payments, you can contact your insurance company to see if there may be funds left over. If you owe $1,000, your insurance company will send you their initial payment, which is scheduled to be reduced. The amount you must pay in a lump sum depends on the . If you owe $9,500, which the insurance company determines by looking at your age and credit history, you will likely pay even higher rates as the policies become less. But, if you owe $7,000, the amount you owe will be lower. For the minimum coverage, insurance for a 26 year old in Florida is $14,000. Get free quotes for personal auto insurance and more. From Business: An independent insurance agent specializes in assisting families, who own homes, businesses and condos, with. renters insurance claim. These policies are generally required by law. Non-owner liability insurance. This insurance protects you without liability for damages caused by others while driving your vehicle. Recreational vehicle insurance, also known as temporary car insurance and non-owner car insurance is available in all states with their own car insurance requirements. Non-owner policy from Nationwide : Non-owner auto policy is offered by Nationwide for drivers who cannot get a policy for themselves. This policy provides personal injury protection to a limited amount of time. Non-owner policy from Farmers provides a wide range of coverage and is similar to auto insurance policies. Benefits and features of a non-owner policy Liability insurance can pay your injuries after an accident. You also have a right to sue a person who owes money on your policy even if they are not injured. Additionally, if you are seriously injured while driving your car, a non-owner policy will not pay for your medical bills, as long.

What Doesn’t Renters Insurance Cover?

What Doesn’t Renters Insurance Cover? How to Get Term Life Insurance on an Rental Car? The following is a brief review of the car rental insurance and coverage options available in Mexico. Mexico is one of several nations that that offers an agreement with the United Nations Secretary-General to develop a policy to make all vehicles covered by a universal policy (UIP). This insurance policy is only valid in a couple hundred dollars to be exact. The UIP is a type of universal life insurance, meaning it only applies to . The UIP also offers universal protection of the policyholder’s entire life, along with an and . The UIP also has other benefits, such as lifetime renewability coverage and a guarantee that no unexpected out-of-pocket costs can be charged for life insurance. The UIP cover costs $1000, and is available for all vehicles except for a few rare vehicles. Unlike other types of universal policies, UIP coverage does not last for short periods of time. The UIP plan.

What Renters Insurance Covers

What Renters Insurance Covers personal belongings if you rent your car at a location in order to replace items. This type of insurance covers not only the car but also the person using the car, any guests coming with them, and anything else your car is not protected against. Auto insurance is intended to protect the automobile owner in case a criminal incident, rather than the person who is seeking insurance to pay some money damages if the accident causes physical harm, property damage and property damage. The owner of the car is always liable for any damages that they cause, as well as their liability when the accident is the result of someone else driving or riding in the car. As an emergency vehicle driver, you can protect yourself from accidents involving other vehicle drivers.  There are two ways of protecting.

Your go-to resource for renters insurance coverage, in plain english

Your go-to resource for renters insurance coverage, in plain english. You don’t need your renters insurance to pay your condo association dues. Whether you qualify for rental insurance or you don’t qualify, many companies offer discounts on your rental value, which can make it much faster and more fun to make payments, rather than be responsible when you don’t. Some companies offer discounts specifically to condo associations for their insurance. These discounts can help you lower your annual cost by even more, like those from the same companies and the discounts from the companies that are not listed above. You could have a bad day while you’re waiting at the condo association’s office, but if you make payments on time, it will protect you from being billed. You could be better off doing something every day. Just think, now, before you file a claim for a rental loss of any kind and get your own little insurance company behind it. You may be underinsured. Most insurance providers will automatically include your car as a rental for a.

Who Does Your Insurance Policy Cover?

Who Does Your Insurance Policy Cover? The answer is yes, but it’s not necessarily. You know that you have a large insurance limit when you have a lot of risk, and they are not going to pay for it. So when it comes to protecting and growing your business as well as your own business you should make sure your company has some liability and insurance coverage in place. Your employer has to pay for those things too. You may be the largest company by a wide margin, but you should be aware when it comes to liability. Your company pays for liability insurance for employees (and not your own business). You can be sued for things such as bodily injuries you cause, property damage that is covered up to $1 million and injury to multiple people. Many people in the small business sector have experienced the personal injury coverage which we do not provide but is available very cheaply. You can have your children covered under the employees at least up to $20,000. Your company has a deductible and insurance that covers its.

Getting Renters Insurance: Everything You Need To Know

Getting Renters Insurance: Everything You Need To Know About How Stairs Work and What Your Coverage Can Cover In The event a tenant moves into your apartments, a renters insurance policy could help in covering what most would consider to be the biggest problem. In the event of a claim, you’re given the opportunity to file with a few of your insurance companies, who would be able to negotiate reasonable damages for the value of your belongings. However, some insurers may offer you coverage when you don’t have personal liability coverage. In some situations, you would also likely be entitled to your own rental loss, which means that your personal insurance wouldn’t be able to help you pay damages you might have to pay out of pocket. However, many landlords will have renters insurance that covers all their property and liability coverage, or any of the other policies in effect at the time of your claim. However, this might change when you are moving into the apartment, because rental insurance could have a greater impact on your claim..

What Is Renters Insurance?

What Is Renters Insurance? According to insurance professionals, renters insurance, or renters insurance is only for homeowners - not vehicles. Unlike renters insurance or car insurance, many renters insurance companies don t list renters insurance prices at the beginning of the policy. The number of coverage options can be affected by personal circumstances and home specifications, which are not easily compared with renters insurance. If you want to ensure you re covered during disasters that your friends may have, then you may need to look into a specialized renters insurance policy. This is because of the cost difference from renters insurance and car insurance. The cost difference between renters insurance and car insurance is often minimal when compared with the average national auto policy for a full year. The amount of personal auto coverage in the policies will also vary by insurance company. If you need to make a claim on personal car insurance coverage, you may have to pay a monthly or annual premium for that coverage. Even though renters insurance will usually include coverage for personal use, it is generally not required by auto insurance companies on.

Cheat Sheet: What Renters Insurance Doesn’t Cover

Cheat Sheet: What Renters Insurance Doesn’t Cover: To qualify for a discount from a Renters Insurance policy, you must: To find the best plan to meet your individual and family needs, you need to study and make sure that you’re able to use your coverage at a time you’ve been unable to. As an insurance expert, I cannot believe anyone can go wrong with renters insurance. It’s one of the greatest excuses that you can possibly make. Let’s talk first. Let us talk… renters insurance isn’t necessary in every state. You will not need renters insurance! If you rent the house, it will be underwriters’ responsibility to find the best policy for you. That means you ll be protected by your house. I know this for a fact that when it comes to you. The first thing most people think when they think of homeowners insurance, they don’t think of anything. They think about auto insurance. They.

How to Get Renters Insurance

How to Get Renters Insurance in Georgia Uninsured motorist coverage doesn’t need to break your budget. With this coverage, you can still pay to rent the property you own while still living in your rented property. It only covers a rental property and covers all of your personal property. Liability insurance is also very versatile. With this kind of coverage, you don’t need to pay any judgments on a lawsuit against you. The property damage or bodily injury liability coverage only exists with collision and comprehensive coverage, which are separate components of rental properties. Therefore, if you really look at the value of a rental property, it’s usually a matter of how the landlord does on your car and the properties’ contents, among other things. Rental Property Replacement Cost This is essentially insurance for your rental property. This means your policy must be replaced if it’s damaged in an accident and you are no longer covered for losses. For instance, if the.

Knowing when to file a renters insurance claim

Knowing when to file a renters insurance claim is the simple answer to that question. What can you do? When a claims should be filed to determine whether or not your renters insurance coverage is needed, it’s always best for you to check with your insurer to do the research and call before letting the policy lapse. It’s always best to get at least three online car insurance quotes to figure that out. The same may apply to renters insurance, because renters insurance is mandatory in the state of California. If you’re thinking about , you may be wondering why you would ever want to move out of the city. Some factors that could increase your rates, but many insurance companies use them differently. If your situation seems unfair, it helps to be proactive. This article will explain more about renters insurance, provide tips on what to do. The most affordable insurance company, Liberty Mutual, offers renters insurance to consumers in a number of states. The company’s auto policies have been growing in coverage and coverage levels, and.

Ensuring a quick claims process

Ensuring a quick claims process is important when purchasing life insurance on a child, including parents and children who have multiple life insurance policies. In some states, a child can t wait an exam to buy a policy until it is established that the child doesn t want or have any life insurance other than the premiums they have left behind. As such, as this paragraph mentions below is the average life insurance cost (about $150 a month), a child is charged a $25.00 fee to make sure the child is covered for their current needs and they can choose to go without getting a life insurance policy (they don t have a lot of money to pay off expenses that have been covered as part of their income in addition to the income they ve already paid into the policy). Parents of teenage kids can expect to pay a higher premium because they take out a large amount of money on life insurance. As such, parents of teen children may be tempted to buy life insurance for their teenage sons, as well. In many cases, families.

[homebuyerresources]

Do you need a lawyer to buy a home?

Opinions fly thick and fast when you ask experts about bringing attorneys into real estate purchases. Do lawyers offer an extra layer of protection, or do they cause more problems than they prevent?

The case for hiring a lawyer

Some experts say you should always consider hiring an attorney when you buy a home. Florida attorney Charles R. Gallagher III says, "You should only use a lawyer in a real estate transaction if you don't want to lose your money or get sued."

This point of view has gained traction in the wake of the robo-signing scandal. Buyers of foreclosed homes have discovered that foreclosures aren't always valid.

Hiring an attorney ensures that mortgage lenders, the title company or other parties will not take advantage of you, Gallagher says.

"For example, many title companies will ask the parties to sign a release at the closing that releases the title company from any liability associated with their negligence or misconduct," he says. "An unrepresented party would not know any better and sign it."

In a legacy publication titled "100 Questions & Answers About Buying A New Home", the Department of Housing and Urban Development (HUD) noted: "Even if your state doesn't require one, you may want to hire a lawyer to help with the complex paperwork and legal contracts."

In a "let the buyer beware" world, you may not want to go it alone. Susan Lawrence, president of Real Estate Strategies Inc., says, "Caveat emptor is an operating principle, not a cliché."

Situations where you should–or must–hire a lawyer

There are also some situations where you have no choice but to hire a lawyer. For example, if you are buying in New York, you are required by law to be represented by a lawyer. Co-op apartments make up a large percentage of the inventory there, so attorneys need to study the financials closely and examine other aspects of how the co-op is run, says attorney Jennifer Chongbian.

"Our real estate market is far more complicated and complex than the rest of the country, and it would be to a buyer's detriment not to use an attorney," she says.

Some purchases are riskier than others. You may benefit from hiring an attorney for the following transactions:

Short sale, foreclosure or REO

Purchase of rental

For sale by owner transactions

Lease options

Sales where there is no buyer's agent

Commercial property purchase

Sales where the seller is carrying the home loan

Condo purchase

The case against hiring a lawyer

Although some experts urge you to hire an attorney for any real estate transactions, others disagree.

"On a normal transaction, an attorney is overkill. It adds one more body to the room and stress to everyone," says Ken Pozek, a Michigan-based real estate agent with Keller Williams.

San Luis Obisbo, Calif., broker Michael Byrd agrees.

"Lawyers sometimes have a tendency to create problems where none exist, and they can rarely resist the temptation to tamper with perfectly good contracts, sometimes to the detriment of what the clients seek to accomplish," Byrd says.

Jim Olenbush, owner and broker of Cantera Real Estate Inc. in Austin, Texas, says most contracts associated with a real estate transaction are "fill in the blank" forms promulgated by a state commission.

"Once someone brings in their attorney who starts modifying the standard contract, the other party usually feels pressured to hire their own attorney to start reviewing the changes and making additional modifications," he says. "The longer the back and forth, the more likely the deal will fall apart."

Most attorneys are paid hourly and find a lot of minor issues to address on a simple home sale, Olenbush says.

"One deal was held up because the client's attorney wanted a change regarding a $250 HOA transfer fee," he says. "After negotiations, the parties agreed to split the fee 50/50 resulting in a savings of $125 for the client. I didn't ask how much their legal bill was for that work."

You may not need a lawyer if:

You're represented by a licensed broker

The forms are standard and no one has changed them

You use a title company and an escrow agent when signing the mortgage and closing documents

Your purchase is not a distress sale

Always hire the right lawyer

The one thing all experts agree on is that you need to hire the right sort of lawyer: an expert in real estate law.

"I once suggested a client consult an attorney regarding a particularly convoluted easement issue," Byrd says. "Unfortunately, he went to a trial lawyer instead of a real estate attorney and the next thing I knew I was being sued for not solving the problem I'd sent the client to the lawyer to get solved."

Florida real estate lawyer and broker Shari Olefson say lawyers "who are not well-versed in real estate may potentially blow a deal."

Be careful about getting a referral from your real estate agent--the attorney's interests should be independent of anyone who stands to make money from the transaction.

Lawrence says the attorney's role is not to "negotiate the deal points." Instead, the attorney should "review the proposed contract from a legal language perspective."

"Attorneys don't necessarily have better knowledge or understanding of how to make a real estate deal," she says. "They do have a far better understanding of real estate law in any given jurisdiction and legal doctrines where one could get into trouble."

Originally published on hsh.com

[ammunitiondepotonline-blog]

The Best Kind of Firearm for Apartment Defense

There’s a wealth of information and opinions available regarding the best weapon for home defense. However, there’s a surprising lack of relevant info specifically regarding the sort of defense weapons that work best for defending an apartment. It’s an odd oversight considering that there are more people renting right now than there have been since 1965.

Basically, the issues that apply to any home defense situation apply to apartment defense—except that there are more shared walls and more people behind them in an apartment complex. The population dynamics of apartments make choosing a weapon with a lower likelihood of over-penetration far more important. The last thing anyone wants to do is inadvertently endanger the safety of a neighbor should the worst-case scenario require firing a gun to protect yourself in an apartment building.

Of course, there are way too many specific calibers, loads, and variations (not to mention the thousands of brands and models) to present a comprehensive study here. So this article is going to focus broadly on three firearm archetypes as stand-ins for all the rest: 9mm handguns, 12-gauge shotguns, and rifles chambered for .223.

9mm Pistols

The 9mm is a solid pistol in general for self-defense, apartment or not. It has a large enough caliber to effectively stop an intruder, but is not overpowered for the population density found in an apartment building. Plus, 15-20 cartridges in a handgun that can be held comfortably by most adults is hard to beat.

An often overlooked consideration for any weapon someone plans to carry or employ as their home defense piece, or both, is how expensive the ammo for it is. No carry is going to prove a successful solution if the owner isn’t practicing with it and

bulk 9mm ammo is one of the least expensive calibers available. Should you choose a 9mm handgun as an apartment defense carry, chamber it with hollow-point slugs. Not only are they more effective at bad guy-stopping than FMJs, they tend not to penetrate as many living space barriers, like drywall, as ball or FMJ slugs.

12-Gauge Shotguns

Undeniably effective close-quarters weapons, shotguns combine a lot of power with a lot of lead (probably steel). The problem is, lots of powder throwing lots of steel isn’t going to be slowed down a whole lot by drywall, plaster, and hollow-core doors.

Buckshot and slugs are both capable of inflicting considerable collateral damage. One solution that’s been suggested by a number of forward-thinking apartment-protectors is chambering your scattergun with #5 or #6 turkey shot. The velocity of a smaller shot dissipates more quickly than buckshot and is still capable of stopping an intruder in their tracks.

Rifles Chambered for .223

The AR-15 and its variants chambered for .223 may seem like dangerous and unnecessary overkill in an apartment, but, believe it or not, that’s not necessarily the case. As thousands of AR fans on hundreds of firearms forums have pointed out: .223 ammo , in many circumstances, is actually less prone to over-penetration than a 9mm ball.

There’s certainly some truth to that, but the fact is that the .223 cartridge is a projectile backed by a whole lot more powder and power than a 9mm slug. If you do decide to go with a rifle chambered for .223, at least load it with a split-core, frangible, or Glaser safety round.

Perhaps most importantly: Everyone’s situation is unique and there’s no one-size-fits-all solution. Choose a weapon that you are comfortable with; consider the size and arrangement of your living space, and think about how important it is to you to have a free hand to reach light switches or doorknobs, hold a flashlight, or call the authorities. Because the best gun for defending your home, apartment, condo, or house is the gun that works best for you.

About Ammunition Depot

Ammunition Depot is a premier online ammunition vendor. Founded by proud Americans, they put a premium on the freedom and right to defend us, ours, and our country, a freedom guaranteed by our Constitution. The Ammunition Depot team is proud to provide people with good jobs in their home state of Florida, with an emphasis on hiring vets. They plan to continue creating jobs; supporting charities for our troops, law enforcement, and shooting sports; and providing bullet-fast delivery of quality products for decades to come.

To learn more, or find some 9mm ammo for sale, visit Ammunitiondepot.com

Original Source- https://goo.gl/ubQQiZ

[stevensandgoldwyn]

Benefits of Hiring Services of a Real Estate Attorney

Buying or selling of property is a once in a life time process for most of us. Therefore, it is no surprise that, the thought of dealing with legal procedures and documentations involved can give rise to doubts and apprehensions of all kinds. And, this is the reason why undertaking real estate transactions with DIY methods is the last thing anyone wants to do.

Buying or selling property always involves significant investments, therefore requiring proper care and effort by the owners to protect their self-interests. To help them achieve their real estate goals, a real estate attorney can be of great help. Real estate transactions are prone to a high risk of buyers or sellers getting cheated of their money or property. Buyers would never want to invest their hard earned money in something which is not worthwhile.

By hiring the services of a real estate attorney Miami, buyers as well as sellers are guided in areas like documentations, taxation and drafting of proper contracts and agreements, so as to be assured smooth transactions. Most of the property owners are not aware of the existing laws related to the buying or selling of properties. A real estate attorney offers perfect legal guidance and advice to their clients and assists them in crafting their legal stance.

Although hiring a real estate attorney can involve extra expenses in the form of fees, the investment is worth every penny considering the benefits which can be obtained from their service and guidance. The key to success of real estate transactions is hugely dependent on hiring the right attorney. The following are some of the ways which can help in finding and hiring the right real estate lawyer Miami.

Licensed

It is of vital importance for the clients to hire an attorney who holds a valid degree in law, and has been registered for the bar in that state. The lawyer must also have a specialization in real estate matters. Handing over the responsibility to any inexperienced attorney will only result in doing more harm than good for your purpose.

Reference

If possible, opt for a real estate attorney who has been recommended by one of your friends or search online and read reviews. You can also ask for case studies of other successful clients or testimonials when looking to hire an attorney’s services.

Discuss your expectations

Having a one on one discussion with a real estate attorney about your expectations will allow the legal professional to chalk out their strategies and action plans accordingly.

 Source Url: https://sites.google.com/view/real-estate-attorney-in-miami/

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[nicolesrollins]

A new era for the evolving Lincoln Road

If New York has Fifth Avenue, Miami Beach has Lincoln Road. South Florida’s premier outdoors shopping has a great diversity of shops, cafes, restaurants, and bars. The place is busy day and night, a great destination to enjoy the atmosphere of the city and watch the movement of people at any time of the day. The only problem? It is increasingly difficult to keep small stores open due to the high commercial rent of the region.

That’s why The Shoe Shop decided to close its store in August. “There are too many corporate stores on Lincoln Road,” said Jessica Elmaleh, a part owner of the store in an interview to the Miami Herald commenting about her decision to close the business. “There’s a price war, and we’re not Amazon. We can’t compete. People even try to negotiate shoes that are priced for clearance. Lincoln Road is just like Aventura Mall now. They don’t make small businesses want to stay.”

The increase in rent is mostly due to national and international investors buying properties on the spot, hoping to capitalize big bucks, which means high rent prices. What for small businesses like The Shoe Shop means two things: close or relocate.

“We’re paying 50 percent more in rent than we paid ten years ago, but sales aren’t the way they were ten years ago,” commented Books & Books’ owner Mitchell Kaplan. “Our rent is 25 percent of our sales now. There’s no way we can make that work. My landlord has expressed that he’s willing to negotiate with us and we’re going to try to find a potential solution. It’s becoming untenable for small businesses like mine to stay on Lincoln Road, which has become a sort of Dadeland without a roof.”

Which does not mean the decay of the iconic destination; quite the contrary, more and more new tenants are replacing the old stores with their newly designed one, custom made by renowned architects. The case of Apple’s store, Nike or even Gap most recently. Other big names don’t seem to care about high rent.

“Lincoln Road is a unique street, and the makeup of the stores there is changing based on what does well,” said Zach Winkler, senior vice president and South Florida retail lead for the investment management company Jones Lang LaSalle. “Big box stores such as Forever 21 and Zara are doing really well. Miami Beach is always progressing and morphing into what could be the most useful allocation. It’s not that these small businesses are being pushed out: It’s more that they’re being relocated.”

The changes that Lincoln Road is undergoing are seen as inevitable to accommodate the public that frequents hotels and luxury condominiums annually, making the city a cluster for high net worth individuals.

“Who’s going to be able to afford to shop at these higher-end retailers? The people who are staying at the higher-end hotels and condos on Miami Beach,” said Adam Lustig, a partner at the real estate group of the law firm Bilzin Sumberg. “Lincoln Road is evolving from a cute mom-and-pop street that was very walkable into a hub for global fashion brands. The street has always been charming, and locals have always enjoyed it. But the influx of high-net individuals is luring large national and international tenants who can pay these huge rents.”

Miami Beach is one of the world’s most expensive cities ranked by price per square foot for residential properties, according to a study by EWM Realty International. The city’s value of $ 850 is higher than Rome, Frankfurt, and Beijing. Even though New York keeps the title as the highest in the country at $ 2,089.

Lincoln Road is the 5th most expensive shopping street in the United States with the lease at $300 per square foot, according to Business Insider. There is a current vacancy rate of 14%, said Stephen Bittel, chairman, and founder of the real estate firm Terranova Corp., one of the largest owners of Lincoln Road property. But that doesn’t worry the investors and developers that snapped a piece of Lincoln Road; they can wait until the right tenant comes along.

The vacancy could even increase until the completion of an extensive $62 million renovation of the common area’s street, which is scheduled to begin in the second half of 2019, according to Bittel.

“Retail streets are always evolving,” commented Bittel, who started developing on Lincoln Road in 2010, when rents were still at $65 per square foot. “There’s no question Lincoln Road suffered a downturn [after the recession], and in that downturn, tenants closed stores. But we have recovered, and we’re back. We’ve had more people looking in the last six months than we’ve had in the last two years. I remain quite bullish on Lincoln Road.”

from BRG International - Feed https://ift.tt/2KzD4E2 via Beyond Realty Group A new era for the evolving Lincoln Road published first on https://brgint.blogspot.com

[derrickgilesten]

A new era for the evolving Lincoln Road

If New York has Fifth Avenue, Miami Beach has Lincoln Road. South Florida’s premier outdoors shopping has a great diversity of shops, cafes, restaurants, and bars. The place is busy day and night, a great destination to enjoy the atmosphere of the city and watch the movement of people at any time of the day. The only problem? It is increasingly difficult to keep small stores open due to the high commercial rent of the region.

That’s why The Shoe Shop decided to close its store in August. “There are too many corporate stores on Lincoln Road,” said Jessica Elmaleh, a part owner of the store in an interview to the Miami Herald commenting about her decision to close the business. “There’s a price war, and we’re not Amazon. We can’t compete. People even try to negotiate shoes that are priced for clearance. Lincoln Road is just like Aventura Mall now. They don’t make small businesses want to stay.”

The increase in rent is mostly due to national and international investors buying properties on the spot, hoping to capitalize big bucks, which means high rent prices. What for small businesses like The Shoe Shop means two things: close or relocate.

“We’re paying 50 percent more in rent than we paid ten years ago, but sales aren’t the way they were ten years ago,” commented Books & Books’ owner Mitchell Kaplan. “Our rent is 25 percent of our sales now. There’s no way we can make that work. My landlord has expressed that he’s willing to negotiate with us and we’re going to try to find a potential solution. It’s becoming untenable for small businesses like mine to stay on Lincoln Road, which has become a sort of Dadeland without a roof.”

Which does not mean the decay of the iconic destination; quite the contrary, more and more new tenants are replacing the old stores with their newly designed one, custom made by renowned architects. The case of Apple’s store, Nike or even Gap most recently. Other big names don’t seem to care about high rent.

“Lincoln Road is a unique street, and the makeup of the stores there is changing based on what does well,” said Zach Winkler, senior vice president and South Florida retail lead for the investment management company Jones Lang LaSalle. “Big box stores such as Forever 21 and Zara are doing really well. Miami Beach is always progressing and morphing into what could be the most useful allocation. It’s not that these small businesses are being pushed out: It’s more that they’re being relocated.”

The changes that Lincoln Road is undergoing are seen as inevitable to accommodate the public that frequents hotels and luxury condominiums annually, making the city a cluster for high net worth individuals.

“Who’s going to be able to afford to shop at these higher-end retailers? The people who are staying at the higher-end hotels and condos on Miami Beach,” said Adam Lustig, a partner at the real estate group of the law firm Bilzin Sumberg. “Lincoln Road is evolving from a cute mom-and-pop street that was very walkable into a hub for global fashion brands. The street has always been charming, and locals have always enjoyed it. But the influx of high-net individuals is luring large national and international tenants who can pay these huge rents.”

Miami Beach is one of the world’s most expensive cities ranked by price per square foot for residential properties, according to a study by EWM Realty International. The city’s value of $ 850 is higher than Rome, Frankfurt, and Beijing. Even though New York keeps the title as the highest in the country at $ 2,089.

Lincoln Road is the 5th most expensive shopping street in the United States with the lease at $300 per square foot, according to Business Insider. There is a current vacancy rate of 14%, said Stephen Bittel, chairman, and founder of the real estate firm Terranova Corp., one of the largest owners of Lincoln Road property. But that doesn’t worry the investors and developers that snapped a piece of Lincoln Road; they can wait until the right tenant comes along.

The vacancy could even increase until the completion of an extensive $62 million renovation of the common area’s street, which is scheduled to begin in the second half of 2019, according to Bittel.

“Retail streets are always evolving,” commented Bittel, who started developing on Lincoln Road in 2010, when rents were still at $65 per square foot. “There’s no question Lincoln Road suffered a downturn [after the recession], and in that downturn, tenants closed stores. But we have recovered, and we’re back. We’ve had more people looking in the last six months than we’ve had in the last two years. I remain quite bullish on Lincoln Road.”

from BRG International - Feed https://ift.tt/2KzD4E2 via Beyond Realty Group A new era for the evolving Lincoln Road published first on https://brgintl.tumblr.com

[brgintl]

A new era for the evolving Lincoln Road

If New York has Fifth Avenue, Miami Beach has Lincoln Road. South Florida’s premier outdoors shopping has a great diversity of shops, cafes, restaurants, and bars. The place is busy day and night, a great destination to enjoy the atmosphere of the city and watch the movement of people at any time of the day. The only problem? It is increasingly difficult to keep small stores open due to the high commercial rent of the region.

That’s why The Shoe Shop decided to close its store in August. “There are too many corporate stores on Lincoln Road,” said Jessica Elmaleh, a part owner of the store in an interview to the Miami Herald commenting about her decision to close the business. “There’s a price war, and we’re not Amazon. We can’t compete. People even try to negotiate shoes that are priced for clearance. Lincoln Road is just like Aventura Mall now. They don’t make small businesses want to stay.”

The increase in rent is mostly due to national and international investors buying properties on the spot, hoping to capitalize big bucks, which means high rent prices. What for small businesses like The Shoe Shop means two things: close or relocate.

“We’re paying 50 percent more in rent than we paid ten years ago, but sales aren’t the way they were ten years ago,” commented Books & Books’ owner Mitchell Kaplan. “Our rent is 25 percent of our sales now. There’s no way we can make that work. My landlord has expressed that he’s willing to negotiate with us and we’re going to try to find a potential solution. It’s becoming untenable for small businesses like mine to stay on Lincoln Road, which has become a sort of Dadeland without a roof.”

Which does not mean the decay of the iconic destination; quite the contrary, more and more new tenants are replacing the old stores with their newly designed one, custom made by renowned architects. The case of Apple’s store, Nike or even Gap most recently. Other big names don’t seem to care about high rent.

“Lincoln Road is a unique street, and the makeup of the stores there is changing based on what does well,” said Zach Winkler, senior vice president and South Florida retail lead for the investment management company Jones Lang LaSalle. “Big box stores such as Forever 21 and Zara are doing really well. Miami Beach is always progressing and morphing into what could be the most useful allocation. It’s not that these small businesses are being pushed out: It’s more that they’re being relocated.”

The changes that Lincoln Road is undergoing are seen as inevitable to accommodate the public that frequents hotels and luxury condominiums annually, making the city a cluster for high net worth individuals.

“Who’s going to be able to afford to shop at these higher-end retailers? The people who are staying at the higher-end hotels and condos on Miami Beach,” said Adam Lustig, a partner at the real estate group of the law firm Bilzin Sumberg. “Lincoln Road is evolving from a cute mom-and-pop street that was very walkable into a hub for global fashion brands. The street has always been charming, and locals have always enjoyed it. But the influx of high-net individuals is luring large national and international tenants who can pay these huge rents.”

Miami Beach is one of the world’s most expensive cities ranked by price per square foot for residential properties, according to a study by EWM Realty International. The city’s value of $ 850 is higher than Rome, Frankfurt, and Beijing. Even though New York keeps the title as the highest in the country at $ 2,089.

Lincoln Road is the 5th most expensive shopping street in the United States with the lease at $300 per square foot, according to Business Insider. There is a current vacancy rate of 14%, said Stephen Bittel, chairman, and founder of the real estate firm Terranova Corp., one of the largest owners of Lincoln Road property. But that doesn’t worry the investors and developers that snapped a piece of Lincoln Road; they can wait until the right tenant comes along.

The vacancy could even increase until the completion of an extensive $62 million renovation of the common area’s street, which is scheduled to begin in the second half of 2019, according to Bittel.

“Retail streets are always evolving,” commented Bittel, who started developing on Lincoln Road in 2010, when rents were still at $65 per square foot. “There’s no question Lincoln Road suffered a downturn [after the recession], and in that downturn, tenants closed stores. But we have recovered, and we’re back. We’ve had more people looking in the last six months than we’ve had in the last two years. I remain quite bullish on Lincoln Road.”

from BRG International - Feed https://ift.tt/2KzD4E2 via Beyond Realty Group