David Maxwell

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

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 […]
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10 Tips for Dealing with Insurance Claim Adjusters

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 […]
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Is Wind Insurance Worth the Additional Cost?

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 […]
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What is Condo Insurance

What is Condo Insurance & What Does it Cover?

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 […]
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Homeowners vs Condo Insurance

How Is Condo Insurance Different From Homeowners Insurance?

Condo insurance and homeowners insurance are similar in the fact that they both cover the inside of a home, personal property, and personal liability. The main difference between these two policies is how they insure the structure of a home. Homeowners vs Condo Homeowners insurance covers the inside and the outside of a home – […]
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importance homeowners insurance

How Important is Homeowners Insurance?

Your home is one of your biggest assets, so it only makes sense to protect it. That’s exactly what homeowners insurance does – it protects your home and personal property and can provide the funds to rebuild in the event of a loss.  Most mortgage lenders require you to have a homeowners insurance policy. If […]
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Reduce auto insurance

Ways to Reduce Big Increases in Auto Insurance

It seems like everything is more expensive nowadays, including car insurance. At Lott & Gaylor Insurance, we are dedicated to getting our customers the best deals possible – while making sure they’re adequately protected. Follow the tips in this article to lower your auto insurance rate and save some hard-earned money.  Investigate discounts.  There might […]
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