Real Estate Exposed 7.30.2025

Episode Transcript

Speaker 1 (00:08):
Good Wednesday morning to you. It is eleven oh seven
here at NewsRadio WCCF and it's that time again, time
for real Estate Exposed right here on WCCF. It's a
fast paced show. I'll look into the local and area
real estate market. So whether you're buying or selling and
you have a question or maybe there's something that you

(00:30):
missed that you'd like to find out more about, just
go to Matthew Patterson dot com. Once again, the website,
Matthew Patterson dot com. We have got a great guest today,
so let's get to it. Ladies and gentlemen. Matthew Patterson,
you know to say good mornings. And it's kind of
because Alexi and I were talking.

Speaker 2 (00:49):
That's right. Alexia is here with Wi Co Insurance. Thank
you for being here, No, thank you for having me.
I have a good time every time. So here's the thing.
When you start as early as we do, it doesn't
feel like afternoon.

Speaker 3 (01:02):
Yeah it does.

Speaker 2 (01:05):
Well, Welcome everyone. I'm excited for this segment today as
always talk about insurance. Why because I get a lot
of questions on it. You know, I was talking to
a minute ago about a conversation I had with a
with a client the other day about flood insurance, and
uh so we're gonna talk a bit about that today
as well. Just you know, depending where you're getting your information,

(01:30):
you can really get misleading information. So I want to
make sure you're in the know of how that how
they come about that, Uh, exactly how that flood insurance works.
Where do you want to start? I see you have
a lot of information.

Speaker 3 (01:43):
It's insurance. It's hurricane season.

Speaker 4 (01:46):
Nah, not here and already pulling out the generators. Yeah,
do you want to start with flying?

Speaker 3 (01:51):
It sounds thank you? You want to talk about.

Speaker 2 (01:53):
Flood I want you know, here's the thing. You know,
so flood insurance, how's the rate determined? There's a lot
of yeah, misconceptions on this, and I'm like, well, wait,
let's let's talk about that.

Speaker 5 (02:04):
Ye.

Speaker 4 (02:04):
So, yeah, the rate is actually determined on the base
flood and it's determined on where your lowest equipment sits.
And then the reason why I bring up the lowest
equipment is because if you have equipment inside your garage
and what it's not been lifted, they're going to take
that measurement off that equipment.

Speaker 2 (02:20):
To see this is the problem she's been doing it
so long she forgets that some of us don't up
someone we're talking equipment. We're talking really aces.

Speaker 3 (02:29):
And waters and water heaters.

Speaker 2 (02:31):
And that's why you know, we'll be showing property and
someone say, well, wait, why is that up on concrete?
And the other houses we looked at didn't have it
exactly mainly okay, right.

Speaker 4 (02:42):
So it's whatever equipment that services the home. Yep, that's
what they consider that measurement. So the bottom of the
top floor, if you ever look at an elevation certificate,
it's so lois adjacent cray the bottom of the top floor.
That's where they're looking at it. And it also has
on their equipment. So we've actually had a client in
Port Charlotte once that she said, but my house is elevated,

(03:04):
but your AC unit's not.

Speaker 3 (03:05):
So you need to get.

Speaker 4 (03:06):
Out there, get some concrete poured, get it lifted, and
then they can redo the elevation certificate and you'll have
a little bit more affordable policy for you.

Speaker 2 (03:14):
So you mean to tell me that even though the
home's elevated, if that AC is not elevated, that could
be making your REA.

Speaker 3 (03:23):
That could be a potential problem.

Speaker 2 (03:25):
And as an insurance company, Are they going to call
you and tell you that, because I mean they've got
thousands millions of Yeah.

Speaker 4 (03:31):
No, I mean it depends on the elevation when you purchase,
when you're purchasing a new home, I mean existing, it's
not but exactly. And I have seen me and my
team have actually had some clients have been able to
give money back to them because their elevation changed and
so they were paying for an a flood zone.

Speaker 3 (03:48):
They're in the flood zone. They actually got mapped out of.

Speaker 2 (03:50):
Flood zones to give them money back.

Speaker 3 (03:54):
Absolutely.

Speaker 2 (03:56):
Okay, So you made another comment in that you said elevator. Uh,
depends on the elevation or the elevation certificate if you
look at an elevation certificate. But many do not know
I came from Indiana. Keep this in mind. Oh yeah,
we didn't worry about that.

Speaker 3 (04:10):
Nope.

Speaker 2 (04:10):
What's an elevation certificate? How do we get them?

Speaker 5 (04:14):
Yeah?

Speaker 2 (04:14):
He does them?

Speaker 3 (04:14):
Well, typically a surveyor. So the surveyor can be hired out.

Speaker 4 (04:18):
They'll we know quite a few of them we work with,
and they can come out and take care of it.

Speaker 3 (04:21):
You know, in Bember back was it two years now?

Speaker 4 (04:23):
Almost three years coming up in twenty twenty two December,
when we had the new flood changes, people said, we
don't need an elevation certificate.

Speaker 2 (04:30):
Yeah, I was getting those calls.

Speaker 3 (04:32):
Yeah, and we still get those calls. Well, I don't
need one.

Speaker 4 (04:34):
I was told that there's that you guys were just
We still tell people you might want to consider getting
one because you might be surprised where your home actually
sits in affordability for the flood insurance.

Speaker 2 (04:44):
We're talking about. And I'm spoiled here. Cindy takes Carol
this for me. Nice and Shelley you know, or I mean,
I know we you know, we back in the day
we paid one hundred and fifty. Now, let's say they're
three hundred now on average, would that be about right? Yeah? Yeah, okay,
so let's say three hundred around That can save you thousands.

(05:07):
Because in my experience, if you're just calling around getting
quotes and they you know, some companies, I know, your
team goes deeper on this and explains why. But if
you're just calling around and you're getting getting insurance quotes
and and they said you have an elevation certificate, you
say no, Well, then they're they're gonna you're gonna get

(05:27):
the rate at the highest rate because they're not going
to know that elevation yep, So you gotta you've got
to understand that or talk to us, or of course
call Alexia and say okay and she get explained more
in detail and we either one of us canna help
get you that elevation certificate. So then you were getting
the best rate possible.

Speaker 4 (05:47):
And I want to talk about just really quickly. Oh
that's for FEMA flood. Okay, so that's your right, you're
all your right floods, you're progressive. But you know, Jerry,
Milton and Helene, there was a lot of residents that
were out of their homes because they were flooded for
weeks and weeks they had to stay at hotels, get
an apartment, find another place at the location. Months and
months still and some people are still out. So yeah, yes,

(06:11):
I know. But the biggest thing to remember is on
FEMA policies, on the National Insurance Flood Program, there's policies
called private Flood, and private flood has been shut down
since we had Hurricane Milton and Helene with all the flooding.
But now they're coming back and they're opening back up.
And the one big thing that a private flood policy
pays for.

Speaker 3 (06:31):
Where that FEMA won't is a loss of use.

Speaker 4 (06:34):
So if you can't stay in your home and you've
got to relocate, then that is going to be something
they're going to pay out for you to still pay
stay in another place until you can get back into
your home, whereas FEMA they don't have that coverage, they're
not going to pay. So if you're renting a place too,
or renting a property and you're a landlord and now

(06:54):
you have loss of rents, loss of use, that's the
same situation. There at least you can get recover those
those rents.

Speaker 2 (07:01):
Well, you know. And the other bad thing there's is
one of disaster like those happen. You've got everyone racing
at the same time to get you know, to get
a home, you know, there's less of them, or maybe
you have to travel further. It gets quite close, exactly exactly,
So that coverage definitely very important. I tell you what,

(07:22):
of course we're going to talk about the market. I'm
really excited to talk about the market today and excited
to go deeper into this. Plus I've got some great
properties to talk to you about some open houses right now,
we're up against the first break, so stick around and
we will see you on the other side.

Speaker 6 (07:38):
When the Pattererson Group needs painting done right, we turn
to our trusted partner, five Star Painting of Punta Gorda.
They're professional, reliable, and consistently delivered top notch work. They
show up on time, stay on budget, and leave every
job site spotless. Whether it's preparing a home to list
or refreshing a space for new owners, we know five
Star will get it done cleanfficiently and with care. Visit

(08:02):
five Star Painting dot com to schedule your free estimate.
Five Star Painting and the Patterson Group your go to
for getting things done right.

Speaker 7 (08:10):
If there is not much that you like about your
home anymore other than the interest rate, remember Matthew Patterson
and the Patterson Group can help you with unique buyers options,
even first time buyers, and when it comes to selling.
Julie recently worked with Mike in the Patterson Group to
find out if now would be a good time for
her mom to sell her home at Port Charlotte. She
says Mike was very knowledgeable and even went to her

(08:31):
mom's house with all the information to help them make
an informed decision. Julie and her mom decided did not
sell right now, but in her five star review, she
said she'll use Mike and the Patterson Group when they're ready.
There's a quick and easy way to find out what
your home is worth in today's market. Just go to
Matthew Patterson dot com, listen Chuck Britten and when it
comes to selling or buying a home at Southwest Florida,

(08:53):
work with the best. And the best is my friend
Matthew Patterson of the Pattison Group at Keller Williams Peace
River Partners. Start packing because you will be moving your home.

Speaker 5 (09:03):
Sale is done when you call Matthew Parson.

Speaker 3 (09:06):
Go to Matthew Patterson dot.

Speaker 6 (09:11):
We at the Patterson Group are proud to introduce our
newest partner, Elevated Title Services, LLC, Florida's fresh, reliable choice
for all your closing needs. Woman Owned and operated by
a veteran, Diane, Elevated Title brings strong values, clear communication,
and solutions driven approach to every transaction. They serve the
entire state of Florida and even offer special discounts for

(09:33):
fellow veterans. Don't miss a moment in a sunshine. We'll
bring the closing to you. Visit Elevated Titleservices dot com
to learn more and start your closing today. Elevated Title
Services Closing with Confidence.

Speaker 1 (09:46):
The local organization CARE, the Center for Abuse and Rape Emergencies,
needs your help. CARE provides twenty four hour hotline services,
twenty four hour rape crisis, hospital response, and victim advocacy.
Organization has helped thousands of people providing shelter support and counseling.
Donate or a volunteer today Call nine four one six

(10:09):
five four nine nine or donate itemsat there Reuse Store
Kenilworth Boulevard, Port Charlotte.

Speaker 5 (10:17):
Your home sale is done when you call Matthew Patterson.
Go to Matthew Patterson.

Speaker 2 (10:23):
Dot all right, welcome back to real Estate Exposed. I'm
Matthew Patterson with the Patterson Group. I'm here today with
Alexia from wit Co Insurance. Alexia, we've already given some
good info. We're gonna get into a lot more here.
But let's say you're driving, you're running right now, there's
something you have more questions. How do we get a.

Speaker 4 (10:43):
Hold of you now and just give us a call.
Our office phone number is nine four, one, two, five, seven, zero,
six nine two, and we're offices in Puntagorny and Nicomas,
but we serve all of the state of Florida.

Speaker 2 (10:55):
So you're always close by. Yes, I love it. Okay,
what give me one of yours now?

Speaker 3 (11:00):
Yeah, so let's talk about home insurance.

Speaker 2 (11:02):
Home insurance, you.

Speaker 3 (11:03):
Know, because that's that's where we hit it.

Speaker 4 (11:05):
And we're only just a couple of weeks away from
the prime hurricane season, which is typically August and September.
In mid October too, so because we can't forget Hurricane
Milton was in the middle of October. So I think
the biggest thing right now is, you know, everybody says,
what do I need to do to prepare now for
the hurricane?

Speaker 3 (11:23):
Obviously it supplies right, Yeah, of course, get your.

Speaker 4 (11:26):
Policy out and make sure you know who the insurance
company is and make sure that you also know.

Speaker 3 (11:32):
Your coverages and your deductibles.

Speaker 4 (11:35):
But the biggest thing that I got to tell you
during hurricane and people didn't do. They never documented what
they had, They didn't do an inventory list, they didn't
go around with video and take pictures and make sure
keep receipts for everything that's expensive.

Speaker 2 (11:51):
That you had, well, okay, and I have one. I
was talking with one of our clients the other day
and he had had not he had wished he did. Yeah,
his insurance company had asked, hey, do you have pictures
when they were you know, they were devastated, you're tired,
it's hot, and you know, powers out as they were

(12:15):
taking everything out, and he had it laid out, you know,
laid out at the curb, basically that i'd gotten trash.
He didn'take any pictures of it. Oh that would have
helped too.

Speaker 5 (12:22):
Oh.

Speaker 3 (12:22):
Yes, absolutely.

Speaker 2 (12:23):
It's not only documenting what you have.

Speaker 3 (12:25):
It's after the fact.

Speaker 4 (12:26):
Yes, it's after it's it's every there's all the damage
that you had, and it's important and only because you're
a hurricane ian. We actually had a client that took
pictures after the fact that they adjuster said, those look
like old stuff. That doesn't look like that's brand new
that you bought. Well, obviously it went through a Cat
five hurricane. It's gonna be banged up and it's gonna

(12:46):
be discolored, you know, so you were.

Speaker 3 (12:49):
All banged up right mentally too.

Speaker 4 (12:52):
But it's just one of those things that I think
is important and I will tell you one of the
big things out there. If you recently put an a
fence after her Hurricane Ian, or just recently in the
last year, you've got to make sure to tell the
insurance company, tell your agent right away, because a lot
of times insurance agents will run in, they'll put their
replacement cost on the home, and then they'll put five

(13:13):
thousand or eight thousand dollars on other structures.

Speaker 3 (13:15):
Well, I don't know.

Speaker 4 (13:17):
About you, Matt, but do you think that you can
replace some of these fences around here at five and
eight thousand dollars ninety more? After Hurricane Ean, it was
like thirty to forty thousand dollars for just an average fence.

Speaker 2 (13:28):
That's right. Yeah, Okay, I have a question for you.
So you're buying a home, you start shopping, you start
looking at how since should you start talking insurance if you.

Speaker 4 (13:40):
Have to ask about the price of your insurance costs
and you needed to start it right away?

Speaker 2 (13:45):
Agreed?

Speaker 4 (13:46):
And I only say that's because so many times people
will start out running around with an agent a relator,
and they're running around and they're saying, well, I can't
afford this, and I need this house, and I need
to know what the cost of this is going to be,
and they don't think about the insurance. And if you
buy an older home, sometimes you need to be concerned,
especially in the flood zone, because they're going to cost
a little bit more than your newer homes.

Speaker 2 (14:07):
Which is what has affected our market exactly of other
things the last the last couple of years.

Speaker 3 (14:12):
Exactly.

Speaker 2 (14:13):
So you know when the insurance, you know, had went
up and a lot of companies had left, and and uh,
you know those premiums, you know you'd have, you'd have
that approval, you'd have, you know, but they they threw
a number in there for insurance the best they could,
by the by what you talked about, and depending on
the lenders, which we can help you there as well,

(14:36):
they picked a number. Let's say it was eight hundred
or it was four thousand, just depending on what you
were looking at. If you happen to choose a home
that now maybe you were looking at homes that were
not in flood and now all of a sudden you
picked one that's our house and it happened to be
in a flood zone. Now that insurance was out pricing it.
So now that approval, you know, it didn't fit. So

(14:59):
you know, I I'm all about the earlier the better.

Speaker 3 (15:01):
Yeah, earlier the better.

Speaker 4 (15:02):
And I will tell you the best thing is that
the rates are starting to come down. And the reason
being is because we have a soft market. So we
and we had a type market after Hurricane inn we
had a lot of companies file for bankruptcy. They went out,
so we didn't have We had ten companies file for
bankruptcy between twenty twenty two and twenty twenty three. So
now we've got a lot of an influx of new
companies coming in, which helps the market because we love

(15:22):
our pricing at a home so now we're seeing companies
coming in, they're writing it.

Speaker 3 (15:28):
So it's starting to soften up.

Speaker 4 (15:29):
So the rates on home insurance policies are coming down,
and because there's more companies out there willing to write
in the state of Florida, and it's not just citizens anymore.

Speaker 2 (15:38):
So how often do you look at that?

Speaker 3 (15:40):
I would say every year.

Speaker 4 (15:41):
I mean honestly, if I was a consumer and it
was my home, I would take a look at the.

Speaker 3 (15:45):
Replacement calls, which leads to you know, inflation. So inflation.

Speaker 4 (15:48):
Everybody says, well, this insurance is so expensive and I
don't need this much coverage for my actual building. Well,
believe it or not, I just bought paint for a
small office and I was surprised as to how much
paint cost. I was like wow, and just a little
bit of wood to do a little slap wall and
I was like, wow, that's super expensive. So that's why

(16:09):
because those rates have not come down, I mean, that's
the cost of goods. Has it come down, but that's
why we're factoring it into a replacement costs calculator. And
those replacement cost calculations are still kind of high. They're
not they're not really coming down as much.

Speaker 2 (16:22):
So you foresee it's still coming down more.

Speaker 4 (16:24):
Yeah, the rates that we have noticed on our renewals
and new business being written, it's definitely significantly less.

Speaker 3 (16:31):
I say to everybody, shop shop it. It's not going
to hurt you.

Speaker 4 (16:35):
If anything, that's only going to prove to you that
you've got a good policy and your premium is good.

Speaker 3 (16:40):
If not shop it.

Speaker 2 (16:41):
You got to make sure you're shopping apples.

Speaker 3 (16:43):
Oh oh, oh my gosh.

Speaker 4 (16:44):
Absolutely, because I can tell you when driven rain and
well we can talk about that.

Speaker 3 (16:47):
If we're up against the thing, but wind driven rain.

Speaker 4 (16:51):
You know, after Hurricane n a lot of companies didn't
They don't cover wind driven rain.

Speaker 3 (16:54):
So what wind driven rain was.

Speaker 4 (16:56):
Is when it comes in, it seeks through the windows,
the doors, u underneath the doors.

Speaker 3 (17:02):
And it causes a lot of damage.

Speaker 4 (17:03):
And if that damage was all over the windows, as
far as the dry wall, the tiles, they're not going
to cover for any of that damage because it's when
driven rain. Even though you have a hurricane coverage on
your home insurance policy, it's still electing cover. The good
thing is is there some companies out there that is
now coming back and saying we're going to cover all
wind driven rain. So you've got to be careful in shops.

(17:26):
So it's not even just based off a price. But
one thing you're gonna want to make sure that you
asked your agent is is when driven rain covered or
is there a sublimit to when driven rain?

Speaker 2 (17:36):
Yeah? Rain is supposed to go vertical.

Speaker 3 (17:38):
Yeah, not horizontal, right, you know.

Speaker 2 (17:42):
I had even seen some new homes that actually had
a little bit had some water come in the flashing
around like your vent pipes on.

Speaker 3 (17:51):
The stuff like that.

Speaker 2 (17:53):
Were they flashing correctly? No? No, no, But that water's
not made to be like a power.

Speaker 3 (17:58):
Water going se exactly exactly, Okay.

Speaker 2 (18:00):
So wind driven rain, that's a big one. What's other
areas that you find discrepancy in other insurance companies or
policies leaving out or or uh you know, lessing the
amount of coverage. That's key to look.

Speaker 4 (18:17):
For, so typically not company, but it's also agency wide.
Is the rains a law coverage building back to current
code or city oranges.

Speaker 3 (18:26):
So we see a lot of that either.

Speaker 4 (18:27):
Ten percents or not even on there, or twenty five
percent or fifty percent.

Speaker 3 (18:31):
Just depends on the age of your home.

Speaker 4 (18:33):
If the newer and then you know twenty five ten percent,
but if your home is older, you might want to.

Speaker 3 (18:38):
Go fifty percent. It just depends on what it is.
But that's a very important coverage.

Speaker 4 (18:42):
And so another one besides that is replacement costs on
your contents. So a lot of them will sell actual
cash value on your contents. And one of the biggest
things after Hurricane Ian is you know, we had actual
cash value on the roofs. So if you took an
actual cash value on their room, people were like, wait
a minute, I can't replace my roof it's going to

(19:03):
cost me sixty five thousand dollars, but now they're only
going to give me ten thousand dollars for my roof.

Speaker 3 (19:08):
Yeah, because you took an actual cash value.

Speaker 4 (19:11):
The thing is now is that we have a lot
of the companies have gone to a different roof deductible.

Speaker 3 (19:15):
So it's no.

Speaker 4 (19:16):
Longer just your two percent hurricane deductible and you're one
percent one thousand dollars for your all other apparel deductible.
They now have a separate roof deductible. So you need
to understand the roof deductible too.

Speaker 3 (19:30):
It's supposed to just help out as be in the
roof set, Yeah.

Speaker 4 (19:34):
Because they don't want to go and replace your whole
roof and tear right and you only lost a couple
of shingles, and that unfortunately has happened.

Speaker 2 (19:40):
Yeah, which also drove premiums up.

Speaker 3 (19:42):
It drove premiums up absolutely.

Speaker 2 (19:44):
Yeah. Weld prior to Hurricane Ian late Ierma.

Speaker 5 (19:47):
Yeah.

Speaker 2 (19:47):
Yeah, when they were knocked on door saying I get
your whole new route. Well, let's face it, somebody's going
to pay for that premium.

Speaker 1 (19:53):
Oh.

Speaker 3 (19:53):
Absolutely, we all doubled it.

Speaker 2 (19:55):
So I'll tell you what we are getting closer to break.
Before we go to it, though, I want to talk
about I'm gonna spread these out today because I know
we're gonna get We're gonna we could talk insurance for
weeks in here. I've got two open houses going this weekend.
Come in and see Mike ten one two to two
Whining River Road. This is in Pontagorda, UH, Saturday, eleven

(20:16):
to one. I'd help if I put my glasses on one.
Still getting used to them, guys. This house is a
four bedroom, three baths, two and seventy eight square feet,
so very large home on the market at three hundred
and sixty five thousand, open floor plan. Great family home
or if you know, if you're if it's a vacation

(20:37):
home for uh, multiple families, that this is a great spot. Also,
we're doing an open house at zero four one South
Wood Circle, Unit fourteen. This is south of US and
Fort Myers.

Speaker 8 (20:51):
Uh.

Speaker 2 (20:52):
Come in and see Nick Sartel Saturday as well. Eleven
to one. This is a really nice community right across
the street from the Lakes Park. Vaulted ceilings in the
main living room space just beautifully updated. Again. Both those
are eleven to one this Saturday. Okay, we're gonna get
back to insurance and we are going to talk about

(21:14):
the market stats and what's going on and what I'm feeling,
and I'm super excited to talk about that. Yet today
stick around. We will see you on the other side
of the break.

Speaker 6 (21:22):
We at the Patterson Group are proud to introduce our
newest partner, Elevated Title Services LLC, Florida's fresh, reliable choice
for all your closing needs. Women Owned and operated by
a veteran Diane, Elevated Title brings strong values, clear communication,
and solutions driven approach to every transaction. They serve the
entire state of Florida and even offer special discounts for

(21:44):
fellow veterans. Don't miss a moment in a sunshine We'll
bring the closing to you. Visit Elevated Titleservices dot com
to learn more and starts your closing today. Elevated Title
Services closing with confidence.

Speaker 8 (21:57):
If you don't love where you live, then do something
about it. Whether it's your first or seventh home, The
Patterson Group has several options to help buyers find their
dream home and love where they live. Herban Sidney recently
worked with Rob from the Patterson Group to buy a
Deep Creek home and said he was the nicest, most
knowledgeable real estate agent they've ever worked with. In their
five star review, they also said Rob went above and

(22:17):
beyond their wireless dreams and they highly recommend him to friends.
When you work with the Patterson Group, you'll be working
with a team of experts with decades of experience to
help you find a great home. And you can find
out what your home is worth in the current market
in a matter of seconds by a true market expert.
Just go online to Matthew Patterson dot com. I'm Todd
Matthews and when it comes to selling or buying a

(22:37):
home in Southwest Florida, you'll want to work with the best,
and that's my friend, Matthew Patterson, the Patterson Group at
Keller Williams Peas River Partners. Then start packing. You will
be moving your home.

Speaker 5 (22:50):
Sale is done when you call Matthew Patterson. Go to
Matthew Patterson dot com.

Speaker 6 (22:58):
When the Patterson Group needs painting done right, we turn
to our trusted partner, five Star Painting of Punta Gordon.
Their professional, reliable and consistently delivered top notch work. They
show up on time, stay on budget, and leave every
job site spotless. Whether it's preparing a home to list
or refreshing a space for new owners, we know five
Star will get it done, clean, efficiently, and with care.

(23:21):
Visit five Star Painting dot com to schedule your free estimate.
Five Star Painting and the Patterson Group your go to
for getting things done right.

Speaker 1 (23:30):
The local organization CARE, the Center for Abuse and Rape Emergencies,
needs your help. CARE provides twenty four hour hotline services,
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This organization has helped thousands of people providing shelter support
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(23:52):
sixty nine five four nine nine or donate items at
their reuse store Kennilworth Boulevard, Port Share Carl.

Speaker 6 (24:01):
Are you looking for a mortgage partner with staying power?
The More team at golf Side Mortgage Services has been
dedicated to service for over twenty three years, helping buyers
across Florida. Family owned and operated, They've been voted the
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his team deliver the personal experience.

Speaker 3 (24:24):
Support you deserve.

Speaker 6 (24:26):
Call or text nine four one two six' five two
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Mortgage planned call or text nine four one two six'
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(24:48):
the More Team At, golf side mortgage services where service,
isn't just a slogan IT'S the standard in mls number
two two. Zero six four zero.

Speaker 5 (24:59):
Home is Done When. You call Matthew patterson go to matthewpatters.

Speaker 8 (25:05):
Dot you comby meat.

Speaker 4 (25:10):
You.

Speaker 2 (25:10):
Can bay. Me truck that's right it is. Boating. Season,
all right guys Uh we're Back With Alexia. With wick
co alexia let's get. Back into insurance here so. Here's,
one for you well. Actually, it's your turn oh let's pick, your.

Speaker 3 (25:28):
Top, my topic, My topic my topic.

Speaker 4 (25:31):
Oh tell them out you know how? Much does it,
cost so you know we're going back to. The flood
really fast we got a client in our, office the other,
day and, They're like you know i'm gonna self. Insure
ON the, flood and i said you can self. INSURE on,
the flood i mean if you on. THE house, self
insured i Mean there's been times i've told people not
to go WITH hurricane coverage because i.

Speaker 3 (25:50):
Got my new, roofs. You're taking, it gamble oh yeah
you're taking.

Speaker 4 (25:54):
You're taking a risk but just, SIX inches, of water
i said inside. Of a, heavy rainstorm and obviously Look
what Happened In. Texas and north carolina these are in
areas that. Weren't even, flood zones you know it's. Six
inches of water how much do you Think IT'S going,
to and i? Said actually. SIX inches, she, said i
said well just one or two inches is going to cost,
almost twenty thousand dollars twenty to twenty five thousand dollars

(26:15):
just to do their.

Speaker 3 (26:16):
Renovations with today's inflation.

Speaker 2 (26:21):
And and.

Speaker 4 (26:21):
That's an easy amount and so if you're if, you're
GOOD with, that then i said go ahead and self.
Insure against that flood but just know it's the same.
Thing with, the home you know there's there's a lot
of the clients that we dealt with that's been, paying
off their mortgages so they can just self insure and.
Not HAVE any, insurance and i said we'll make, sure
you have liability but there is an affordable way to

(26:42):
just go and do x wind like exclude the wind
and it drops thousands and thousands of dollars and just
GO with. An x win policy it covers for the
pipes that, burst behind the walls so you're still. Getting
some coverage fire so if you have a, fire that
breaks out it's still. Going to cover it it's just,
not going to however anything that has to, come from. A,
Namestorm a hurricane.

Speaker 2 (27:04):
Okay so now if, you, have a mortgage though?

Speaker 4 (27:07):
Can, you do that no you can't do. That on
a mortgage you have to have, the house paid for decided.
To pay it off but you can pay it off and.

Speaker 3 (27:14):
JUST go, no flood i mean.

Speaker 2 (27:16):
So what you're telling me is. Not, all, or nothing.

Speaker 3 (27:18):
No NO absolutely not and I say that.

Speaker 4 (27:20):
Because i'm hearing it more and more people are intentionally
taking out money AGAINST their for one k because their
home insurances and their, floods are so expensive.

Speaker 3 (27:28):
And their mortgage and their mortgages are.

Speaker 4 (27:30):
Like seventy nine thousand or one, hundred and fifty thousand
so they're BARRING against THEIR four o one k is to,
try to get it get.

Speaker 2 (27:35):
It with inflation and everything that. Everyone has, been through
you know that is. What you start doing you start, look,
at and, going hey you Know look, at what i'm
paying look, at what. It is Perfectly understandable but, what
i'm here is don't, leave yourself completely exposed exposed when
you have when you can't have. A, more, affordable, option.

Speaker 3 (27:56):
Yes yeah, EXACTLY exactly all.

Speaker 2 (27:59):
Right i want to talk a, bit about you know
what are the particular things that buyers should look look at.
During purchasing a home we do the home inspection that
that will. Affect, the insurance rates.

Speaker 4 (28:13):
Yeah so, obviously storms. You know storm shutters. You're talking
about shutters. THAT'S a, big thing i mean. If they
have shutters if, they don't have.

Speaker 2 (28:20):
Shutters, go get shutters.

Speaker 4 (28:23):
No it does not It has To, Be miami, dade
y miami days and it has to. Have it all
protection it's an. ALL or none credit a lot of
people don't realize that because.

Speaker 2 (28:34):
If, you don't the bar if you got windows, in
the garage door everything.

Speaker 3 (28:38):
Has any decorative windows.

Speaker 4 (28:40):
Skylight's a big, one uh broad doors you need to
have the bar down.

Speaker 3 (28:45):
So it's, extra protection but yeah that's that would be.

Speaker 4 (28:49):
Definitely one of, them and then pipes so you're talking
about we're not getting. Out of hurricane season we're talking about.
Just ensuring the pipes what type of pipe is? It cleaned,
up underneath you know when you're, opening up the cabinets
making sure that those pipes are clean and looks good
and there's no exactly, no erosion on it because that
once we have to take pictures on.

Speaker 3 (29:08):
A four point inspection we're looking.

Speaker 4 (29:10):
For the eroded pipes we're looking for how old is
the hot water heater because after fifteen years the. Companies
don't want it you'd have to do a hot, water
heater change.

Speaker 2 (29:19):
Well which YOU know and again i always advise a
home inspection it is it? Is worth, its, weight oh
yeah okay. A, few hundred dollars again one thing that
you find it will pay for itself and then some.
AND that's one thing a lot, of times, we'll find you,
know and you, know the piping's fine the fittings have

(29:40):
some crosion on them and they won't ensure.

Speaker 3 (29:42):
It until exactly, CHANGE that always happens.

Speaker 4 (29:45):
I can't tell you and even newer homes but, that's
ten years old has some a little bit of.

Speaker 2 (29:49):
Crosion, on HER it yeah and i can't imagine why
you wouldn't, want to change, Them, no, Changing out yeah
exactly and that's something we can negotiate and we can. Handle,
prior to closing, okay, what about.

Speaker 4 (29:58):
Nails, yeah l patterns yeah and that's typically on a
wind mitigation when you're talking about the six inches or
the eight inches the.

Speaker 2 (30:05):
Double, rat now.

Speaker 4 (30:09):
Medigation yeah, SO the, wind mitigation i mean that's a
that's a big one BECAUSE you know some i we've
actually just saw recently two clients that came and shopped
their insurance with us there with another agency and they
got a new roof after hurricane, And WE'LL guess what
matten i.

Speaker 3 (30:22):
Didn't Get, a win minigan nope and the and the they.

Speaker 4 (30:26):
Didn't know any better they've had their new, roof now
two years and they could have had two years a
little over seven hundred dollars, per, year per year yeah
and they could have been they could have done that
for two years, now almost three years but, it's been
two years so fourteen.

Speaker 3 (30:40):
Hundred dollars in savings they could have done.

Speaker 4 (30:42):
In their home insurance so if you, have a new
roof make sure that you've gotten a new wind mitigation and,
if you have it if.

Speaker 2 (30:48):
You've switched to impact When, does the hurricane yeah. We've added.
Hurricane protection you know. Again another savings, There, but the nails,
yeah the nail patterns whether, it's, One on two three
i'm not, an EXPERT on it but i know enough
tell you it.

Speaker 3 (31:04):
Makes a, Big difference, it does it does and anohing.

Speaker 4 (31:06):
Makes a huge difference is if you've got an, older
hole nineteen seventies put a. New roof on it now
you know you're getting, the the toenail credit which you
really should be.

Speaker 3 (31:15):
Getting a clip credit you just.

Speaker 5 (31:17):
Need the.

Speaker 4 (31:17):
Extra nell we can you can get somebody up there
to go put. That extra nell in there's companies that exactly,
that's all they do and that will save you one
thousand to fifteen, hundred dollars a year.

Speaker 3 (31:27):
Depending on your.

Speaker 2 (31:27):
Insurance we're talking, abound.

Speaker 4 (31:29):
Those are estimations but now, we're thousands of dollars so
definitely worth.

Speaker 3 (31:34):
Taking, A look out.

Speaker 2 (31:35):
Okay i know you're you're gonna give me because. Every,
home is different yeah, an exact amount here but it
is a hip. Style roof versus gable, still, your, biggest.

Speaker 4 (31:47):
Thay yes yes so you get the hip credit on that.
Wind mitigations the largest are you?

Speaker 3 (31:52):
Looking at, my Sheets.

Speaker 2 (31:53):
I'm not but i've been talking.

Speaker 4 (31:56):
About, that for you no, the, hip is definitely yes
Even if. It's a dutch hip but as long, as
it's a hip the. Hip credit is big it is
still not.

Speaker 3 (32:04):
Compared, to, a gable.

Speaker 4 (32:06):
Yeah no not ninety typically it depends because it could
be about a, seventy five eighty percent but. It's not
always ninety now some of, the companies Is ninety but
there i've seen one or two that's on the surplus
lines that can be.

Speaker 3 (32:18):
At least eighty percent.

Speaker 2 (32:20):
Now does that mean that you never buy a? House, It's,
a gable. No no absolutely not you just need, to
know and again you know you need to consider all this.
In the purchase exactly and that's where we come in
and that's where we help look at these things because
it is going to. Affect you on, insurance yes it
does but you also and that's why, also, many are

(32:42):
like well? Why is this house it's very similar in,
size age so on, and so you know why is
it this price versus this it's some of those finishes
and some of those design features that. That Affect the.

Speaker 4 (32:54):
Price but i'm going to tell you the biggest thing
that does affect the price that has nothing to do
with some of the insurance piece is that we're talking
about here today now how much it's all about credit
driven so and that's one thing that people don't. Like
to talk about and that's something to understand that you
can fluctuate five hundred dollars or six hundred dollars and
more in price. Or less in price if we get,

(33:17):
they do a credit they'll do a. Credit check for
you so if you pay.

Speaker 3 (33:19):
Your bills on time.

Speaker 2 (33:20):
Oh you're talking about your.

Speaker 4 (33:22):
Your, actual credit scoring yes they do that, for auto
insurance too but home insurance is big because we've seen it,
where we've the problem like we've had. A realature give
us so this is why we try, to tell the
realators please make sure that we can get something so we.
Can run a credit because if we're able to give,
them the actual price because, this is what happens we,
give them a quote they want to, Go with that company.

(33:44):
We run the credit the first named insured is where we.
Pull the credit from so, the first named insured if
it's the wife's got, better credit or husband we need
to put them. As first named insured so, the first
named insured we've seen it.

Speaker 3 (33:57):
Go up four five six. Hundred. Dollars a year wow
so please when, you're thinking about that you're going to
have to have.

Speaker 4 (34:04):
That conversation about credit unfortunately on home because they all all.

Speaker 2 (34:08):
The companies run IT point yeah, and i need that
but but we don't.

Speaker 7 (34:14):
Talk.

Speaker 2 (34:14):
About, it enough no yeah. That's a, Big one what
okay so, we, talked, about, pipes style nails fittings anything
else that glares out Of, YOU immediately.

Speaker 4 (34:25):
On no i mean it's, you know the Pipes you
know poly, THEY don't like that. I know you don't
it was like the nineties that the early nineties had
so had some but they've been replaced it or they're trying,
to go you, know alumom branch wiring any type.

Speaker 3 (34:42):
Of the illumum wiring another thing is. Your your your.

Speaker 4 (34:46):
Boxes so A Lot of the federal pacific. Boxes have
been replaced we've replaced.

Speaker 3 (34:50):
A lot of it now you've.

Speaker 4 (34:51):
Got a couple of. Challengers Still out. There in sylvania's.

Speaker 2 (34:54):
Sanias there were certain years that minor sem were made
in the same factors Exactly stuff as, the federal pacifics, uh.

Speaker 3 (35:02):
Same company made they just changed out their names. As, they,
were manufacturing okay yeah.

Speaker 2 (35:07):
So that's That's Definitely.

Speaker 3 (35:08):
And some square d's so A Couple of the square d's.

Speaker 4 (35:10):
Did get a recall there was a, batch that was
recalled and so some companies Are Asking on the square
d's to see if they were the recall. Part of
the recall On some, not old square d's but some.
OF the, recalled ones. I know on commercial you.

Speaker 2 (35:23):
JUST shattered, MY world, i, know i, know.

Speaker 3 (35:25):
Sorry but yeah. Some of them uncommercial we get.

Speaker 4 (35:27):
This all the time is it a part can check
with the electrician if it's A PART Of the square
d and there's a number.

Speaker 3 (35:32):
That you can.

Speaker 4 (35:32):
Tell if you Look, at up on. Google you can
check you Can CHECK and see, square d you know
recall and it actually gives you a number and you
can look at your.

Speaker 3 (35:42):
Panel box to see if it's a. Part, of that number.

Speaker 4 (35:45):
Okay so much information we wear so many hats, in but.

Speaker 2 (35:51):
It's good it's important and this is this is What
we talked about this. Is what's, so important you know
we want to be a good valuable resource for our
clients and that comes with the experience and having these conversations. And,
Having the knowledge okay, i'm getting closer break but we're
going to keep rolling here. FOR a little bit i have.

(36:11):
To touch on this how do you and, she's holding
her breath how does it talk? To me a bit
on insurance differ between condos. Versus single, fame home oh.

Speaker 3 (36:21):
Yeah, a big difference yeah such. A, hot.

Speaker 4 (36:24):
Time, condos yeah condos so condo policies are typically on
WHAT'S called an h o six form a condo, unit.

Speaker 3 (36:31):
Condo owner's policy and they cover.

Speaker 4 (36:33):
Just the inside structures so because we're not covering the
master obviously that's covered. With a different policy so, we're
covering the, inside so the floorings the, cabinets and so
forth that's all. Going to, be covered the walls the
four main, walls is the association and then you're.

Speaker 3 (36:48):
Covering the interior walls and that's, on a.

Speaker 4 (36:51):
Hazard side all right when you go, to the flood
side it reverts and changes so on. The flood insurance
side on a, Traditional condo association's Policy now the condo
association's covering for everything. Except for your contents they're now covering,
everything the, inside walls the, cabinets and the floors not
your appliances because. You can, instill content but yeah so

(37:15):
it changes a little bit. Depending on, the condo but yeah.
It's a different policy, and THERE'S one thing and i
know we're probably up.

Speaker 3 (37:21):
Very much against time be careful when you are.

Speaker 4 (37:24):
Contacting your insurance agent and you're saying that you, live
in a condo because some of.

Speaker 3 (37:28):
Them are not condos they, might be joined together.

Speaker 4 (37:31):
But there should be written on, a villas or townhouses
written on. A traditional homeowner's policy we get. THIS all
the time i need a condo because. We're, in, a,
condo no no no you actually. Need a homeowners policy
so there was a couple of people that were burned
after hurriking in because they thought that they were in
a traditional. Condo and they weren't and then we've seen
people come to our office that was written on a

(37:52):
a home policy that should have been written, on a
condo policy and then they end up saving.

Speaker 3 (37:56):
A ton of money.

Speaker 4 (37:57):
So be very careful, you brought up excellent. Excellent, points,
on that.

Speaker 2 (38:02):
Well again these are, conversations that we're, having and you know,
as the market changes all of. This changes as well
speaking in which we are going to, go into the
break but, when we come back we are going to.
Talk about the market you had mentioned the insurance prices
and that. Market's, Improving and changing well i'm feeling an
improvement on. Our, side As well yeah and i'm excited.
To talk about. That so stick around we've got one

(38:24):
more segment left.

Speaker 6 (38:24):
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Speaker 8 (39:03):
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mike was very knowledgeable and even went to her mom's

(39:24):
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(39:45):
selling or Buying A, home in southwest florida, work with
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two five six' two today to. Set up a Mortgage
Plan Free of charge or visit golf side mortgage services
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ISN'T just a slogan it's the standard in. Mls number

(41:00):
two two zero six four.

Speaker 9 (41:01):
Zero did you know that more? Than eighty percent, of
lightning fatalities are men in recent years hundreds of unlucky
men died from lightning strikes because they, did not seek
shelter from, an, approaching, storm.

Speaker 1 (41:15):
But instead.

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Capped on fishing boating golfing biking working outdoors they paid
the ultimate price needlessly and left their families behind. To
face a life of loss and sorrow. You don't ride
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(41:37):
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(42:00):
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Speaker 2 (42:20):
All right welcome back To real estate exposed I'm. Here,
again with alexia from with? Co, insurance alexi give Me
Your Info.

Speaker 4 (42:28):
Again yeah so with co insurance alexia martin agency nine four.

Speaker 3 (42:31):
ONE two five seven, zero six ninety two i say. It's,
SLOW so you can write it DOWN okay.

Speaker 2 (42:39):
I say it's slow sermons. Because, i am, thinking about
too many things perfect all right if, you want to
get a hold of us you. Can call nine Four
One six six hundred and of course matthew patterson dot
com has all the info you need and how to get,
to us and find all this great information as well as.
Our fantastic partners in this real estate business. So let's

(43:02):
talk a bit about the market so you, said that
things are doing better on insurance and we. Talked about
this a couple of years ago we said We Had,
seen a lot of this after hurricane charlie where a
lot of companies sadly went, under some or a lot of,
them left and so naturally premiums went up and that

(43:25):
that wouldn't change for a couple of years until. We
saw others coming back into the market and here, we
are so fantastic, there as we know we see. You know,
similar things happen in real estate you, know we do not,
have a crystal ball as we always say, but what
we do has we. Have numbers AND the numbers do
not lie and what, I am experiencing and what we've

(43:45):
been seeing we've we've been talking, about here for weeks
and and even months. And it's been it's been a
roller Coaster we we've been seeing some consistent and i've not,
been able to say that for a while great activity,
on listings as well as, conversations with buyers great conversations

(44:06):
asking right, questions getting, closer to, purchasing that next home.
Second home you know whatever that may be. SO really
excited to report that to you, i can tell, you
here in our, market we last week this is one,
week one hundred and seventy eight new listings one. Hundred

(44:28):
and thirty thirty nine one under contract obviously. You're seeing
more listening this, time of, year a lot of people
are you. Know, HAVE other things going during the summer
personally i would get them on because they. They will
move if if They're Priced Appropriately Now, let's go down
to cape coral fort, myers three hundred and twenty nine
new listing and we, were seeing five hundred plus a week.

(44:51):
THERE two hundred and fifty five under contract i know
the national news, and so many articles Out There are,
saying you know, how bad cape coral is and and
yes you know. They HAVE taken a hard hit in
values what i would follow that with is it's a

(45:11):
great time, to purchase if you're looking at you. Know
to buy right, and buy real estate, that we that obviously,
as we always know if, you have time you are
going you know. You're, never going to, Lose in real
estate wow what an opportunity what an opportunity to get
into that home that you've wanted, but you know you

(45:33):
was priced you know beyond what you felt like it
should be. Priced at or. Wanted to be priced at
now it's available. So you couple that with some cheaper.
Insurance now, let's talk about some cheaper interest. You know,
we've seen, some small movement there. You know of course
you can still negotiate you have that power to ask.

(45:57):
For that seller to buy down the credit, you can
buy down the rate as. WELL so, you still have that.
Negotiation part i mean everything's aligning for you the question
is how? Long is, It, going to be like that
you know, now if. You're one that's comfortable, with regret
that's okay you can you know you can set and
we can watch this market go up and then. Turn

(46:17):
around and wait for the next cycle. But do you
have that kind of time? Do you want to be enjoying,
it NOW it's not going to happen overnight but i,
can tell you it is going. To HAPPEN and we're
seeing all the indicators so i would strongly advise starting
to to to move towards that and get that get.
That dream home that you want under? Contract, WHAT do.

(46:38):
YOU think about that election.

Speaker 3 (46:39):
Noh, I agree. I think that you're agree.

Speaker 4 (46:43):
No I do i definitely agree from everything that i've been.

Speaker 2 (46:47):
Hearing out there and, IT'S what we're seeing it's and
you know, i think we're going to see a different
different market. Here coming at the end of the.

Speaker 3 (46:57):
Year it's like a lot of scare. Tactics and. It's
really not all completely true it's not.

Speaker 2 (47:06):
And we're putting consistently. Under, contract every day we're negotiating, every,
day uh. Let's talk about you know uh price adjustments
we were seeing for weeks and weeks and weeks now uh,
six hundred and some five hundred you know six five to,
SIX fifty a week in price adjustments now i will
say a lot of those and we. Talked a lot

(47:28):
about this on this show, is making sure, that you're
on the market not you know in your priced appropriately
and so many of them were were. Overpriced and you're
and you've seen those adjustments others is it's on the market.
That the, market is going to show us you know
we're exactly. Where that that that, home needs to be

(47:52):
sometimes we're spot. On we have it under contract very
quickly other times it. Takes a little of adjusting and
we're there and of course we go through that in depth.
Whenever we sit, Down and talk, WITH you but you
know i'm seeing now i, mean a fraction of that.
And price adjustments SO still in the hundreds but. But,

(48:14):
that's i think that, comes both ways one. They're going
under contract they're, getting the action also they're being priced,
appropriately which tells? Me as far? Everybody says where's the
bottom wre's the bottom. These are, THE indicators that show,
us that. SO anyways i am very optimistic. Very excited
i know my team is excited they are buzzing around
there and and, everybody's on the phone. And things are happening.

(48:36):
And we love, that we love being busy so all
right let me talk TO you about a couple of
listenings that i think. You need to know before they
are gone i've got A home, in section fifteen One Five,
or i'm sorry one fifty one norman street and it
we just introduced it to. The market at four hundred and.

(48:57):
Fifty THOUSAND we are getting showings on it, and i
got to tell you. This home this is a custom built,
home and uh so. When you walk it you feel
that quality you, feel you see it in the, trim work.
You see it in the layout the design it is
a pool home two thousand and, three BUILT twenty two
sixty four under air which i, think is, a is,

(49:17):
A fantastic square footage three, bedroom two, bath you've, got
a bonus room open concept large kitchen and again the
quality is definitely you just feel. Actually as soon as
you're pulling the, driveway so for four hundred and fifty thousand.
You can be in this, this beautiful home so we've
got eight units eight. Town homes that are going on

(49:41):
the market, we've got two of them on the market
but Eight Of them That. Are being completed on ball
harbor in pontagorda when, we talk about the cost of
carrying something these are going to have a home owers
association fee around, three hundred and seventy five dollars a
month so. Three hundred and seventy, five dollars a month
you're on you know you're sitting. On the golf course
with golf, course views one car garage is two STORIES

(50:04):
so you. Don't have, the three story i. KNOW that
you know everybody's different on that, a lot. Of, them
like the two story great views uh. Sidewalk out, front
so you can be. Walked you, Know everybody's walking in
the evenings and uh i've got one the ind unit
on the market, right now at five hundred and fifty
thousand uh one of the, interior units at five twenty

(50:27):
five and uh these are going to be. Completed here
in probably the next two months but they are looking
fantastic and we've already, got QUITE a bit of interest
on them so. I know They're going to go fairly
quick and now i'm down to two minutes things telling
me Anything, You, WANT to, close up out.

Speaker 4 (50:46):
With alexia, no i know sound really nice those properties
especially ONLY THREE. Hundred thousand for three for h i.

Speaker 2 (50:55):
F and that's really they did that specific they want
to be really intentional, about that because that is a? Big,
thing is, what's the Cost to carriot yeah all right
last thing I'm gonna leave you. With the house that
I'm In, love with this Home Is on Gray Street.
Three h three gray street in Ponta. Gorda you can
walk to the Farmers market you're right there. At the

(51:15):
historic district and wait. For it seven hundred And seventy
five thousand this said twenty sixteen thornberry. Built custom home
twenty Two sixteen hunder air all the amenities that thornbury
always puts. Into his homes and again close to, everything
three forty nine, square foot metal roof a seed garage.

(51:36):
Pool and. It's on a half, acre lot that's awesome
that's an incredible price, and it's gonna go quick if,
you again if you need to contact us. It's nine
Four One six eighty six hundred go to matthew patterson
Dot com and of course call my friend alexi.

Speaker 3 (51:49):
Yeah at nine. One two five seven zero six nine.

Speaker 2 (51:53):
Two look forward to see you next week