Insurance Before Closing: Avoid Surprises

Insurance should be part of your home-buying plan—not an afterthought. During inspection and closing, insurers may evaluate the roof’s age and condition, wind-mitigation features, plumbing, electrical systems, HVAC, water heater, permits, and prior claims. In Florida, addressing these details early can help buyers avoid coverage surprises, compare quotes, and negotiate repairs or credits before deadlines. For Palm Harbor buyers, I help coordinate the questions to ask, documents to gather, and next steps with qualified inspectors, insurance professionals, and sellers so the path to closing is clearer.