The past few hurricane seasons have left Florida, as well as many other states, devastated.  As a result, the supply and demand ratio of building materials has greatly affected the cost of construction.  This increased cost of construction is important to consider when determining the property limits on your policy.  Most property forms contain a coinsurance provision, which requires that you maintain adequate limits of insurance coverage to avoid a penalty in the event of a loss.  We encourage you to check the values on your policy to make certain they are in line with current building costs in your area.  If you have a concern, or need assistance in this regard, please contact your agent.  

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