David Maxwell, Author at Lott & Gaylor Insurance

Preparing Your Home for Hurricane Season: Roof Checks, Document Management, and More

August 30, 2024
David Maxwell

As hurricane season approaches, getting your home ready can help protect it from the storm’s impact. Two key tasks are documenting the current condition of your home and roof, including photographing your belongings, and setting up a Gmail account to manage important documents. Here’s a practical guide to help you prepare. 1. Inspecting and Documenting […]

Lender Placed Insurance for Commercial Buildings

August 10, 2024
David Maxwell

Lender placed insurance (LPI), also known as forced placed insurance, is a policy that a lender or mortgage servicer buys on behalf of a borrower when the latter’s own property insurance lapses or is deemed insufficient. While this might seem like a convenient safety net for commercial building owners, LPI can be a financial and […]

Harnessing the Breeze: The Crucial Role of Wind Mitigation Inspections in Safeguarding Homes

December 15, 2023
David Maxwell

As we move out of hurricane season, it’s fitting to shed light on an often overlooked but immensely significant aspect of homeownership – wind mitigation inspections. In the realm of safeguarding homes against natural disasters, these inspections emerge as unsung heroes, quietly fortifying structures against the relentless forces of wind. Let’s delve into the importance […]

10 Tips for Dealing with Insurance Claim Adjusters

November 19, 2023
David Maxwell

Navigating the complex world of insurance claims can be a daunting task, especially when dealing with insurance company adjusters. These professionals are tasked with assessing the damage, determining coverage, and ultimately settling claims. To ensure a fair and efficient claims process, it’s important to understand and implement the best practices for dealing with insurance company […]

9 Strategies to Save Money on Homeowners and Condo Insurance in Florida

October 19, 2023
David Maxwell

Living in the beautiful sunshine state comes with its own set of unique challenges, especially when it comes to homeowners and condo insurance. With the risk of hurricanes and flooding, insurance costs can skyrocket. However, with the right strategies in place, you can still protect your home and save money on homeowners insurance. In this […]

Safeguarding Your Haven: The Crucial Importance of Updating Insurance Policies for Home and Condo Owners

July 27, 2023
David Maxwell

Owning a home or condo is a dream that many aspire to fulfill. These properties are not only a place to live, but they also serve as valuable assets and symbols of security. However, protecting these assets goes beyond just having an insurance policy in place; regularly updating and reviewing your coverage is equally essential. […]

Is Wind Insurance Worth the Additional Cost?

April 6, 2023
David Maxwell

With insurance premiums skyrocketing here in Florida – you may be asking yourself if the additional premium you’re paying for wind and hail coverage is a sound investment. In some cases, 70% or more of your home insurance premium may be associated with the wind related portion of the overall risk. Purchasing wind coverage in […]

Homeowners Insurance in Fort Myers – Myths and Facts

October 20, 2022
David Maxwell

Since there is plenty of misinformation and myths about home insurance in Fort Myers, we’re here to set the record straight. At Lott & Gaylor Insurance, we want to help you make informed decisions about your coverage, and you can’t do that without accurate facts. So, here are some popular myths about homeowners insurance in […]

Importance and Benefits of Boat Insurance

October 9, 2022
David Maxwell

Though boat accidents don’t occur as often as auto accidents, the importance of having boat insurance in Fort Myers cannot be overstated. Just as you protect your car, it’s necessary to protect your marine vessel – it’s one of the biggest investments you’ll ever make! Benefits of Boat Insurance Here are some of the top […]

What is Condo Insurance & What Does it Cover?

September 23, 2022
David Maxwell

Condo insurance helps protect you from losses and repair costs associated with a condominium unit. In a typical policy, you’ll often find coverage for theft, vandalism, fire damage, water damage, and more. Condos are options for those who aren’t interested in owning a home or renting an apartment, and condominium dwellers have their own unique […]

David Maxwell