Ask for the roof age and permits, electrical and plumbing details, HVAC age, wind-mitigation report if available, prior claims, flood information, and any required association master-policy documents. Give the address and property details to an insurance professional early enough to receive realistic quotes within the contract timeline. Coastal location, roof condition, building age, openings protection, flood zone, and claims history can affect availability and cost. For condos, understand what the association insures versus what the unit owner must insure.
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