Michael Nobles Michael Nobles

Homeowners Insurance Ordinance or Law Coverage in Florida: What I Help My Buyers Understand

What is ordinance or law coverage in homeowners insurance, and why should Florida home buyers care about it?

Ordinance or law coverage is a part of your homeowners insurance that helps pay the extra cost to bring a home up to current building codes after a covered loss. In Florida, especially in older homes across Jacksonville and Northeast Florida, this coverage can significantly impact what you actually pay out of pocket after a major repair or rebuild.

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Michael Nobles Michael Nobles

Buyer Broker Agreement Florida: Do You Need One?

Do I need a buyer’s agent agreement in Florida before I start looking at homes?

Yes — in most cases, you do now. As of August 2024, buyers are required to sign a buyer broker agreement before touring homes with an agent in Florida.

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Michael Nobles Michael Nobles

Why You Need a Pre-Approval Letter Before Looking at Homes

Do you really need a pre-approval letter before you start touring homes?

Yes — and skipping this step can cost you time, money, and a lot of frustration.

A pre-approval letter tells you exactly what you can afford and keeps you from falling in love with a home that’s outside your reach.

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