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Insurance Information

Hazard and Windstorm Insurance

Seaplace Insurance Covers:
  • The building
  • Drywall for all walls
  • Electrical and plumbing systems inside the walls
  • All AC/ Heating equipment
Owner's Responsibility: Alterations and Additions/Building Improvements
  • Wall and ceiling finish (paint, wallpaper, etc.)
  • Flooring (carpet, tile, wood, etc.)
  • Electrical fixtures/ Plumbing fixtures
  • Appliances
  • Water heaters
  • Built-in cabinets and countertops
  • Window treatments
Owner's Responsibility: Contents/Personal Property
  • Furniture and electronic equipment (TV's, computers, etc.)
  • Artwork and jewelry
  • Clothing and other personal items

Condominium & Unit Owner Insurance Responsibilities

Click on the link to view full page!!    Condominium & Unit Owner Insurance Responsibilities

Flood Insurance

Flood = Rising Water. Not wind-driven rain or water from above
  • Flood insurance is provided by the National Flood Insurance Program (NFIP)
  • The NFIP limits building coverage to $250,000 max per unit
  • The NFIP limits personal property coverage to $100,000
  • Additional insurance is available outside the NFIP, but is more expensive
  • Coverage is based on replacement cost
  • Increased Cost of Compliance Coverage is included up to $30,000 per unit, but not to exceed the $250,000 limit
Seaplace Flood Insurance Covers:
  • The building and foundation
  • Wallboard
  • Electrical and plumbing systems
  • Air conditioning and water heaters
  • Refrigerators, stoves and dishwashers
  • Permanently installed flooring (carpet, tile, wood, etc.) - As originally constructed
  • Permanently installed cabinets, bookcases, etc. - As originally constructed
Owner's Responsibility:
  • Personal belongings such as clothing, furniture, electronics, etc.
  • Washer and dryer
  • Curtains
  • Artwork (up to $2,500)
Maximum available from NFIP = $250,000/unit
Coverage = Insurable Reproduction Cost as determined by an insurance appraisal

Retrieving Condominium Certificates of Insurance

Click on the link for further information!!    Retrieving Condo Certificates of Insurance

Wind Mitigation Forms
Download M2 Wind Mitigation
Download M1 Wind Mitigation
Download G8 Wind Mitigation
Download G7 Wind Mitigation
Download G6 Wind Mitigation
Download G5 Wind Mitigation
Download G4 Wind Mitigation
Download G3 Wind Mitigation
Download G2 Wind Mitigation
Download G1 Wind Mitigation
Download Townhouse Wind Mitigation

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