The Anna Maria Island Sun Newspaper

Vol. 9 No. 36 - May 27, 2009


Here we go ’round and ’round again

For most of the year, Floridians are a happy-go-lucky lot. During the winter months, we enjoy the best weather in the country. We going boating, fishing, biking and walking without even peaking out the front door to see what’s going on. But starting on June 1, the most blissful of us enter into a defensive mode when old man sunshine can be replaced by the hurricane hag before we know it.

Hurricane season inevitably brings concerns about adequate insurance. If your homeowner’s insurance is with the state run Citizens Insurance Corporation, effective Jan. 1 of this year there was a major change in coverage qualifications. Last year, legislation was passed that mandates homeowners who are covered by Citizens for wind coverage to upgrade or install shutters or opening protections on their home in order to keep their Citizens’ policy. The state of Florida states that single family homes with an insured value of $750,000 or more will not be eligible for renewal coverage of their policies with Citizens unless the structure has storm shutter protection that complies with the Florida Building Code. The code requires hurricane shutters or opening protections that are up to current Florida code for all parts of the property in order to qualify for a new policy at renewal time.

I first wrote about this new legislation at the end of November last year, and by now, homeowners with insured values of $750,000 or more on their single family homes should have been advised about the necessity of upgrading their homes. The Florida code requires an upgrade or installation of storm shutters or other adequate opening protections for all parts of the property. In addition, the shutters or other protections must be installed by the 2009 policy expiration date along with proof of the upgrades in the form of a mitigation inspection before the policy is renewed., has a great deal of information if you have questions or concerns, but your primary source of advice is your insurance company or broker.

If you’re satisfied that your house is protected and your insurance is up-to-date, you can get down to the really important part of hurricane preparation – buying the manual can opener. You may also want to buy a few cans to go with the opener, along with bottled water and other non perishable food to last several days or a week in the event of power outages.

Have an evacuation plan ready. Know ahead of time where you, your family and your pets will go if you need to leave and plan on having extra cash and a full tank of gas. If you need to evacuate, take insurance policies or copies with you and store all other important paper work and valuables in your safe deposit box. Backup your desktop computer on an external hard drive and take dated digital pictures of everything in your home.

Every year at the beginning of hurricane season, we remind people of the same safeguards, but it’s easy to forget to get ready when the sun is shining and the waters are calm. Weather may be a non-issue most of the time but don’t rest on your winter laurels. There are still five months to get through before your Northern friends and family start lining up for your guest room. It would be nice if there’s still a room when they arrive.

Real Estate Transactions
Closed sales between March 2 and April 18, 2009

Anna Maria

523 Villa Rosa Way Single family $850,000
114 Tern Drive Single Family 750,000
160 Crescent Drive Single family 600,000
115 Maple Ave. Single family 550,000
111 Gull Drive Single family 525,000
304 Hardin Ave. Single family 515,000
801 Fern St. Duplex 326,000
9907 Gulf Drive Lot 315,000

Bradenton Beach

506 Bay Drive S. Condo $650,00
2418 Ave. C #500 Condo 375,000
2414 Ave. C Duplex 336,700
1801 Gulf Drive #207 Condo 225,000


12618 Safe Harbor Dr. Lot $475,000
4011 Osprey Harbor Lp. Townhouse 257,000
11900 Cortez Rd. W. #37 RV Resort 190,000
11900 Cortez Rd. W. #21 RV Resort 130,000
11900 Cortez Rd. W. #50 RV Resort 124,000
Address Type Price
11900 Cortez Rd. W. #8 RV Resort 121,500
11900 Cortez Rd. W. #68 RV Resort 110,000
11900 Cortez Rd. W. #77 RV Resort 86,000

Holmes Beach

520 58th St. 2 or more $1,775,000
105 49th St. Single family 750,000
6006 Gulf Drive #210 Condo 690,000
209 65th St. Single family 600,000
103 81st St. Single family 565,000
621 Emerald Lane Single family 550,000
519 75th St. Single family 416,000
104 55th St. Condo 400,000
203 70th St. Half Duplex 335,000
5200 Gulf Drive #108 Condo 315,000
313 62nd St. Duplex 300,000
2701 Ave. C Single family 225,000
3801 Fourth Ave. #3 Condo 220,000
6500 Flotilla Drive #214Condo 215,000
6804 Marina Drive Condo 215,000
6300 Flotilla Drive #99 Condo 180,000

Source: Manatee County Property Appraiser’s Office

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