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Articles by Michael Letcher

• Florida Real Estate - What You Need to Know When Buying a Florida Home
  If you are a buying a home in Florida you can't ask enough questions about the home you are considering. You could be in for a nasty surprise if you don't do your homework.
  Published 31Jan2010, viewed 486 times

• Florida Home Insurance Cancellations - They're Back Again
  Just when it seems like the Florida home insurance market has calmed down, something new seems to come up. This time it is more Florida home insurance cancellations - many of which will hit during the coming year.
  Published 10Feb2010, viewed 192 times

• Florida Home Insurance - More Rate Increases on the Way
  You probably know that your Florida home insurance is going up this year. But you might not know about other developments that could raise your rates even further.
  Published 04Feb2010, viewed 1122 times

• Sinkholes - A Growing Threat to Central Florida
  While Florida sinkholes have always been with us, these natural occurrences are threatening a wider area of the state. And they haven't made it easier for consumers trying to buy Florida home insurance either.
  Published 29Jan2010, viewed 1348 times

• Florida Home Insurance Companies in Serious Trouble
  Many Florida home insurance companies are not in good financial condition at the present time.
  Published 27Jan2010, viewed 251 times

• Florida Homeowners Insurance - More Turmoil on the Way This Year
  This year could bring more unwelcome news about your Florida homeowners insurance including rate increases, policy cancellations, fewer discounts, more failing companies, and continued difficulty finding coverage.
  Published 27Jan2010, viewed 256 times

• Florida Home Insurance Companies - New Threats to Getting Your Claim Paid on Time
  During 2009, two Florida based home insurance companies went out of business because their cash reserves fell below state required minimum levels. If this had happened during an active Florida hurricane season and your policy was with one of these companies you might have faced significant delays in getting your Florida hurricane claim paid. Here's what you need to know in order to select the right Florida home insurance company.
  Published 25Nov2009, viewed 624 times

• Florida Home Insurance Cancellations - What to Do if You Lose Your Coverage
  There is nothing new about Florida home insurance cancellations which have been going on since Hurricane Andrew in 1992. But now a new wave of policy cancellations threatens Florida homeowners. Here's what you can do if you are cancelled by your Florida home insurance company.
  Published 25Nov2009, viewed 372 times

• Florida Home Insurance Quotes - Why Using Quote Generator Sites Won't Work
  How many times have you entered information into a Florida home insurance quote website about your home's square footage, roof type, and construction materials only to be disappointed with the results? Here's why these websites aren't the best way for you to find low cost Florida home insurance quotes and how you can get more insurance companies to bid for your business.
  Published 23Jun2009, viewed 562 times

• Florida Real Estate - Is Now the Time to Come Back Into the Market?
  The Florida real estate market continues to send out mixed signals as it wrestles with home prices that have declined for 41 straight months and up to 16 months of housing supply in the hardest hit areas. As you consider whether now is the time for you to re-enter the market, here is some important information you should know.
  Published 19Jun2009, viewed 324 times

• The Impact of Consolidating Newspapers in Florida
  You've read extensively about newspaper media outlets losing market share, drowning in debt, and facing dwindling audiences both in Florida and nationwide. As this trend continues not only are we losing an important set of eyes and ears to keep an eye on our state and local governments, but another question is emerging. What do you have to do in order to reach your customers as the print media continues to lose market share?
  Published 19Jun2009, viewed 243 times

• Florida Insurance - What You Can Do About the Coming Home Insurance Rate Increases
  The legislation recently signed into law by Florida Governor Charlie Crist opens the door to home insurance rate increases starting in 2010. Depending on where you live, those rate increases could be as much as 10% whether you are with Citizens Property Insurance Corporation or a private Florida home insurance company. Here is the background on the coming rate increases and what you can do about them.
  Published 19Jun2009, viewed 270 times

• Florida Home Mortgages-Widespread Defaults Could Send Shockwaves across the State
  In early 2009, a story ran in media outlets that very few of Florida's 6 million homeowners paid any attention to. Buried in that story is a frightening scenario that could become a real possibility later this spring. Here's the shocking truth about how you could default on your Florida mortgage in May of 2009, without ever missing a single payment.
  Published 11Apr2009, viewed 250 times

• State Farm Florida - What You Should Do Before Your Home Insurance is Cancelled
  The announcement in January by State Farm Florida Insurance Company that it was exiting the Florida Property and Casualty insurance market sent shockwaves across the state as consumers scrambled to find new Florida home insurance companies. If you are a State Farm Florida policyholder facing the cancellation of your Florida home insurance policy, here is the truth about what is going on and what you should do about it.
  Published 10Apr2009, viewed 453 times

• Why You are Paying the Florida Insurance Bill of Someone Else
  Most consumers don't have time to read the fine print on their Florida home insurance bill. They don't realize that even those who live in interior, landlocked, Northern Counties are subsidizing the cost of home insurance for those who live on the Florida coast. Here's why you are paying the Florida home insurance bill of someone else, even when you are buying auto or business insurance!
  Published 09Apr2009, viewed 282 times

• South Florida Landlord's Worst Nightmare - Today's Real Estate Market
  Do you have what it takes to offer a home for rent in today's depressed South Florida real estate market? Considering becoming a landlord? Before you answer, take a look at what one landlord recently went through to find a new tenant for his rental home in South Florida.
  Published 19Feb2009, viewed 405 times

• Why You Shouldn't Hate All Florida Home Insurance Companies
  For years, it has been popular to hate home insurance companies in Florida for everything from policy cancellations, high prices, and poor customer service. But Florida is now a world of smaller, regional home insurance companies as most of the well known national names have left the state. Here's why some companies shouldn't be on the receiving end of your anger and might possibly deserve your respect and gratitude.
  Published 23Jan2009, viewed 531 times

• How to Find Affordable Insurance for a Florida Coastal Home
  Finding Florida home insurance can be a challenge for homes that are located in Florida inland counties. It is even harder to find coverage if your home is located near the Florida coast - especially in Florida's southern coastal counties. If your home is located on or near the Florida coast, don't despair. There are options for covering your coastal home if you know where to look.
  Published 21Jan2009, viewed 641 times

• How You Can Find Florida Insurance for an Older Home
  Some of the toughest homes to find Florida homeowners insurance coverage for are older homes. Many older homes in Florida end up with Citizens Property Insurance Corporation where they are subject to higher premiums and special assessments. Having an older home doesn't always mean you have to pay more for insurance. There are lower cost options to insure your older Florida home if you know where to look.
  Published 20Jan2009, viewed 842 times

• How to Find Low Cost Florida Home Insurance
  Despite two years of legislation, Florida homeowners insurance is still very expensive and hard to find. All of the national companies have either left the state completely or have stopped accepting new business. Here's how you can create competition for your Florida insurance business among the limited number of home insurance companies that remain - and save thousands of dollars in the process.
  Published 20Jan2009, viewed 316 times

• How to Find a Great Florida Home Insurance Company
  The beginning of the end of large companies writing new home insurance business in Florida started with Hurricane Andrew in 1992. The final death blow came after the hurricanes of 2004 and 2005. Most of the home insurance companies available to Floridians, are now small startup companies that are not household names. Here's how to pick a good Florida home insurance company in this brave new world.
  Published 20Jan2009, viewed 331 times

• Is State Farm Home Insurance Getting Ready to Exit the State of Florida?
  State Farm Florida is the largest private insurer of homes in Florida and one of the few large insurance companies still operating in the state. Recently, State Farm was rejected for a 47% rate increase, causing growing concern that it will exit Florida completely - leaving 1 million policyholders scrambling to find a new company. Here's what you should do if State Farm Florida cancels your policy.
  Published 21Dec2008, viewed 555 times

• Will Obama be a Trustee Managing the Bankruptcy of the United States?
  Our national debt is now $10.6 trillion - $34,640 for every living US citizen. The scariest thing is that this debt doesn't count the billions in bailouts already approved or still to come. President Elect Obama's best ideas won't happen with this staggering debt. Our future will be dictated by bond markets, not government - a future that may include a financial collapse that dwarfs the Great Depression.
  Published 20Dec2008, viewed 322 times

• How to Find Affordable Florida Home Insurance in a Dysfunctional Market
  Since 2005, Florida home insurance has been overpriced and hard to find. Legislation passed in the past two years temporarily postponed higher rates. Now companies that are concerned about Florida's ability to reimburse them for claims after a major hurricane may look to raise rates again in order to buy more backup reinsurance elsewhere. Here's how you can find affordable insurance as the Florida home insurance crisis continues.
  Published 12Jan2009, viewed 271 times

• Florida Take Out Home Insurance Companies - What You Need to Know
  Since the creation of Citizens Property Insurance Corporation and its predecessor companies, there has been an ongoing effort to remove home insurance policies from Florida's state run insurance company of last resort. Here's what you need to know if you receive a letter from a home insurance company offering to take your policy out of Citizens Property Insurance in Florida.
  Published 10Jan2009, viewed 654 times

• State of Florida - Can it Avoid Financial Collapse without a Credit Card?
  The State of Florida is now facing the worst financial crisis in its history. As it struggles with balancing its budget deficit, outrageous Florida property taxes, and ski high Florida homeowners insurance there is one new shocking development - It won't be able to borrow its way out of this crisis. Here's what you need to know about Florida's financial collapse and how to prevent a brand new assault on your wallet!
  Published 07Dec2008, viewed 462 times

• Florida Real Estate - Why Incompetent Florida Landlords Ruin it for Everyone
  Florida real estate is now going through one of the worst markets in its history. Investors who purchase rental homes and become Florida landlords have always been an important part of the demand for new and existing homes. Not all Florida landlords are created equal. Here's what smart landlords are doing to set themselves apart from Florida real estate investors who are clueless about how to own and manage Florida rental homes.
  Published 30Nov2008, viewed 1132 times

• Florida Home Insurance Consumers May Be Watching the Death of a National Hurricane Catastrophe Fund
  A federal government drowning in red ink and besieged by corporate beggars in the largest bailout in US history is unlikely to consider a National Hurricane Catastrophe Fund anytime soon. That combined with a Florida Hurricane Catastrophe Fund that cannot meet its own obligations only means one thing to you as a Florida home insurance consumer - it's time to watch your wallet again!
  Published 22Nov2008, viewed 428 times

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