HOW CAN I GET A QUOTE? We need the property address, the name, date of birth and current address for the buyer. DOES HOMEOWNERS INSURANCE COVER HURRICANE DAMAGE? Most homeowner policies cover wind/hail (hurricane) however some companies exclude that coverage if the home is close to the ocean, requiring the buyer to purchase a separate policy just for wind/hail. DOES HOMEOWNERS INSURANCE COVER FLOODING? Homeowner policies do not cover flood, flood must be purchased as a separate policy however some companies now do offer flood coverage as an endorsement on the homeowner policy. WHAT IS THE AGE LIMIT FOR ROOFS AND WATER HEATERS? Because of recent increase in roofing damage claims from hail and water damage claims from leaking/breaking water heaters almost all companies have a 15 year age limit for water heaters and many company have gone to a 10 year age limit for shingle roofs. ARE INSPECTIONS REQUIRED? Most companies require a four point inspection for any homes 30 years or older and a wind mitigation is not required but highly recommended for discounts if the roof has been replaced on homes older than 2002. Robin Leoffler The Ormond Agency 555 W GRANADA BLVD STE H5, ORMOND BEACH FL 32174 PHONE:386-888-7015 FAX:386-677-7788 www.Ormondagency.com

The Fair Housing Declaration is a significant aspect of ensuring equal opportunity housing in the United States. It refers to the commitment to providing equal housing opportunities to all individuals, regardless of their race, color, religion, sex, national origin, disability, or familial status. The declaration is rooted in the Fair Housing Act, which was enacted in 1968 as a response to widespread housing discrimination. Key points related to the Fair Housing Declaration and the Fair Housing Act include: Protected Classes: The Fair Housing Act prohibits discrimination based on specific protected classes. These include race, color, religion, sex, national origin, disability, and familial status (presence of children under 18, including pregnant women and people securing custody of children under 18). Prohibited Practices: The act prohibits various discriminatory practices in housing, such as refusing to sell or rent a dwelling, setting different terms or conditions for housing, and making housing unavailable. Discrimination in advertising, financing, and other housing-related transactions is also prohibited. Accessibility: The Fair Housing Act also addresses accessibility for individuals with disabilities. It requires that landlords and property owners make reasonable accommodations to allow people with disabilities equal opportunity to use and enjoy their housing. HUD Enforcement: The U.S. Department of Housing and Urban Development (HUD) is responsible for enforcing the Fair Housing Act. Individuals who believe they have experienced housing discrimination can file complaints with HUD. Public Awareness: Efforts are made to raise public awareness about fair housing rights and responsibilities. Education and outreach programs aim to inform individuals about their rights and the consequences of discriminatory practices. Community Initiatives: Many communities and organizations work towards promoting fair housing practices. This includes initiatives to eliminate housing discrimination and create inclusive neighborhoods. Understanding the Fair Housing Declaration is crucial for individuals involved in the housing sector, as well as for anyone seeking housing. It plays a vital role in promoting a diverse and inclusive society by ensuring that everyone has equal access to housing opportunities.