Gulf Shores & Orange Beach: Condo Owners Beware
Condo owners along Baldwin County’s coast face high Loss Assessment risks, especially in areas like 36542 (Gulf Shores) and 36561 (Orange Beach).
The Scenario
A storm hits → The condo association’s master policy has a $250,000 wind or flood deductible → They charge every unit owner $10,000+ to help cover it.
The Problem
Most standard HO-6 condo policies cap Loss Assessment at $1,000.
That leaves you responsibility for the remaining $9,000+ out of pocket.
The Guru Solution
We secure specialized Loss Assessment Coverage that pays this bill for you, protecting your revenue, your property investment, and your peace of mind.
High-Value Homes: Bridging the Coverage Gap
If you own a $1M+ home in Montrose or Ono Island, the NFIP’s $250,000 max coverage is nowhere near enough.
It won’t even replace a modern kitchen—let alone the full home.
Our Solution
We tap into premium markets like Lloyd’s of London and AIG to secure Excess Flood Insurance.
The Result
We insure your property up to its full $2M+ replacement value, ensuring you’re protected from catastrophic loss—without compromise.
