Clearwater Florida Homes Condos Real Estate


Clearwater Florida Home Insurance | Check now or Cry Later if your Home Insurance Covers Sinkholes

Beware of The Insurance Onion - What You Don't Know Stinks and Will Make you Cry

Kim Marshall Clearwater home insurance agent explains insurance pitfallsWhen we discuss personal insurance we're discussing the insurance that protects your home, your cars, your boat, your motorhome, umbrella policies and even the extras like your jewelry, antiques, etc. Most of us have coverage we bought because an insurance agent recommended it - but do we really understand what we have?

 I know I don't! Experience shows that what you don't know can definitely make you cry! Kim Marshall, top Pinellas Luxury Insurance Agent with Carlisle Fields in Clearwater Florida is our Personal Insurance Chef.

She skillfully peels back the layers of the Insurance Policy Onions (especially our Homeowners) for us so we can make informed choices and not have any unwanted surprises and find ourselves crying when we least expect.

 I love surprises, I just don't want them when it comes to finding out my home or my family don't have the financial coverage or protection we thought we did. Kim takes a consultative approach to educating her clients, explaining all the layers of insurance onion and her Insurance Recipe (her recommendation) is tailored to each individual's needs. This is why she's our Personal Insurance Chef

The Home Insurance Dish with Kim Marshall

We are pleased to announce that Kim will be a frequent guest here on Sandbars to Sunsets and she will continue peel back the different layers of the Insurance Onion oKim Marshall Clearwater home  insurance expert explains sink hole covrage and gapsand dish out the straight scoop on Clearwater Florida Home Owners Insurance. Kim will also answer the Insurance questions we hear most often and will keep us posted on what is new on the Insurance Menu and what's changing with regards to home owners insurance in the Tampa Bay area.

The Florida Legislature continues to work with the insurance industry to address the need for improved home owner insurance options. We sat down with Kim today and discussed Onion Layer #1 - The New "fine print" in many home owners insurance policies today that means you don't have sinkhole coverage. It's often these little changes that can be overlooked or misunderstood and can cause Clearwater home owners a get costly education down the road.

Did you even realize that "Pinellas County, is located in one of the more active and least understood karst regions of the world. Some of the more common karst features found in this area are sinkholes." - excerpt from The Karst Research Group's report out of the University of South Florida. 

Onion Peel #1 - Are You Really Covered for Sink Holes in Florida - Understanding the Fine Print?

In the video interview Clearwater Home Insurance Agent, Kim Marshall explains why you may not be covered for sinkholes anymore ....<click to read more and see video> 

Comment balloon 19 commentsCyndee Haydon • October 08 2007 11:16PM


I was just talking to Lisa Hill earlier today about writing an insurance Blog!  As always Cyndee, an excellent job on your blog post!
Posted by Katrina Madewell, Tampa FL Homes for sale | Tampa Bay - (813) 777-1196 (Charles Rutenberg Rlty- More than 5,000 agents(813) 777-1196) about 12 years ago
Cyndee- Important info!! I find many do not know what their insurance coverage covers and if it is sufficient. Good you have a guest blogger to asist your Clearwater home owners in these important decisions.
Posted by Paula Henry, Realtor - Indianapolis Real Estate - 317-605-4174 (Home to Indy Team @ HomeSmart Realty Group) about 12 years ago
Having an expeirenced insurance person on your side is so important - there are a lot of unknowns that can be very frustrating and costly - I look forward to hearing more and I am sure your public will too
Posted by Thesa Chambers, Principal Broker - Licensed in Oregon (Fred Real Estate Group) about 12 years ago
Cyndee - understanding the fine print is one thing, reading it is another! LOL!  Great post, something to really think about huh?  :-)
Posted by Brad Andersohn, ActiveBrad - 707.646.1876 (Executive Director of Education at eXp Realty) about 12 years ago
Cyndee - Teaming up with Kim is an excellent idea.  Your client will appreciate the valuable insurance information that will be provided to them.
Posted by Jennifer Fivelsdal, Mid Hudson Valley real estate connection ( JFIVE Home Realty LLC | 845-758-6842|162 Deer Run Rd Red Hook NY 12571) about 12 years ago
Cyndee-  I just put on my schedule last week to call my insurance agent who is awesome to do a post about her! Isn't this a great idea! Insurance is one of the most searched terms on google, it will be curious to see how we show up! Katerina
Posted by Katerina Gasset, Get It Done For Me Virtual Services (Get It Done For Me Virtual Services ) about 12 years ago
Cyndee - this is really important!  This "new feature" regarding Homeowners' Insurance is a true blessing for your readers, buyers and sellers in Clearwater, FL.  These are things not every Realtor will think to share.  Excellent source(s) once again provided by you and Jack to your clients of Clearwater Beach!
Posted by Susie Roscoe, Real Estate Specialist | Brandon, FL (Signature Realty Associates) about 12 years ago
Cyndee, can't wait to see the new launch, looking good. I love that onion pic, must be a Vadillia.
Posted by Missy Caulk, Savvy Realtor - Ann Arbor Real Estate (Missy Caulk TEAM) about 12 years ago
Cyndee, Very important information here for everyone. I am so glad you are doing this for home owners in your area. Most will probably call their insurance agent after they read your post to clarify their policy.
Posted by Mana Tulberg, Real Estate Agent - Camarillo CA (805 County Real Estate) about 12 years ago
The sick and sad fact of the matter is an insurance company can refuse to pay and make any innocent person suffer.  Anyone else watch Katrina come ashore?  The fingerprints of greed are all over.
Posted by Chris Griffith, Bonita Springs Listing Agent (Downing-Frye Realty, Bonita Springs, FL) about 12 years ago

I feel like I learn something new about insurance daily

I have a client that was told to get a windstorm inspection... for $150, the insurance quote dropped almost $2000 a year just for having a 3rd party make sure shutters were installed properly, the garage door is to code etc

Posted by David A. Podgursky PA, THE PODGURSKY GROUP - Make the Right Move! (THE PODGURSKY GROUP @ Re/Max Direct) about 12 years ago
Cyndee as always you have the information your clients in Clearwater need. I would never have thought about sinkholes in Florida. Great to have a good insurance agent to work with.
Posted by Ashley Drake Gephart (Drake Intel Group) about 12 years ago
Cyndee.. What a great idea... Insurers have a way of changing the coverage just as you need it..
Posted by Kaye Thomas, e-PRO, Manhattan Beach CA (Real Estate West) about 12 years ago
Cyndee: Good point. I guess a homeowner could really get a sinking feeling when they find they don't have sink hole coverage when they need it.
Posted by » Bill Burress Nationwide Mortgage Originator (» Bill Burress Nationwide Mortgage Originator) about 12 years ago
Cyndee- thanks for the update on sinkholes! I know Dunedin has plenty of them and there are sections of Safety Harbor too! It is good to know that the coverage is changing!
Posted by Billnulls Blog Florida Realty Professional, AHWD (Charles Rutenberg Realty) about 12 years ago
Wonderful, wonderful post! I am so happy to see some real, good information on insurance--such a hot topic right now, with all of the changes in Florida! Way to go, Cyndee!
Posted by Loretta Buckner, Your GREEN Real Estate Consultant For Life! (Real World Properties, Inc.| Your Real Estate Consultant for Life) about 12 years ago
Thank you to everyone who encouraged Kim Marshall on her first interview. We are lucky to have a Clearwater home insurance expert to keep us posted on this important topic - We can't wait to see what our Personal Lines Insurance Chef is going to dish up next!  
Posted by Cyndee Haydon, 727-710-8035 Clearwater, Beach Short Sales Luxury Condos &Homes (Charles Rutenberg Realty) about 12 years ago


I love the analogy - definitely don't want to have to peel back the layers to understand your home insurance.  

Posted by Rita Taylor, Sanford NC Real Estate - Homes for Sale in Sanford North Carolina (None) about 12 years ago
Cyndee - Great job. I love the way you lay out the information in your posts. I always learn something from you.
Posted by Tom Plant ( almost 12 years ago