This week I present articles on keeping your home “in shape and up-to-date.”I include an updated “Who To Call” sheet that now includes: appliance repair, photography, odor elimination, electrician, and garage door repair.Two National Association of Realtors article suggest what items buyers are looking for in homes today. (in case you are updating your home.) And included is a list of Ultimate Smart Home Series Guide.
Buyers are looking for key features, including open floor plans, and smart home technology in their new homes.They include Smart home features: like facial recognition for doors, smart lights and outlets to control appliances from a smartphone app. “They desire top of theline appliances:To make a home more attractive: modern open floor plans, an outdoor kitchen, saltwater pool, upgraded homeowner suite complete with luxury spa bath, walk-in closet with built-in storage,sitting area and potentially access to an outdoor space.”
In another National Association of Realtors article, these are the key features that buyers are prioritizing around the house: laundry room, patio, energy star windows, exterior lighting, ceiling fans, garage storage, front porch, hardwood flooring, full bath on the main level, energy star appliances, walk-in pantry, landscaping and table space in the kitchen.Technology features that are popular: security cameras, wired home security system, programmable thermostat, multi zone HVAC energy management system, and video doorbell.
Time to look at what is happening in Citrus County in the next month…
Don’t miss the chance to see the manatee up close and personal in Citrus County. The winter weather has been so cool! (I hope for not much longer). Many of the manatee have been staying in the Three Sisters Refuge Park.We ventured there a couple of weeks ago and rather than take the trolley because we were not interested in taking a tour of Crystal River… we parked off of 3 Sisters Springs Rd. behind the Sherwin-Williams paint store, and walked into the park. However, you still have to pay, but there are discounts for residents,seniors, as well as United States Park pass holders.You do have to walk a bit, but it’s a nice wooden boardwalk for the most part.You can see from the pictures the manatee do huddle there, and you’re up close to them.We were there at 9:30 am and more people were coming in at 11 am. Our family was very happy with our trip there.
Inverness St. Patrick’s Day Parade and Festival, Sunday March 17,
Annual city of Inverness St. Patrick’s Day Parade and Festival: The festivities kick off with a parade, starting at the Citrus County Tax Collector’s office parking lot winding through Inverness and returning to The Depot Pavilion for more fun. At 5 PM don’t miss the enchanting fairy and leprechaun costume contest …open to both kids and adults at The Depot. Lively atmosphere with live music, delicious food and family friendly time: 4 to 7:30. Cost is free. Contact www.parks@inverness.gov
In this week’s blog, I continue to talk about having your home in its best condition as possible…in case you have to sell your house.Many of us have been living here several years (getting up there in age… lol)and we never know when we may be forced to put our home up for sale. Having the home ready is important.This week’s advice is from two articles: Bob Villa and one from realtor.com.(full articles at the end)
Staging your home… do you want your house to stand out from the rest of the pack?Staging your home is hugely important… the tiniest detail could be the difference between a for sale and sold.
Make a good first impression. Make sure that your house number is clear to see and matches the design of the house. Make sure that your lawn and flowerbeds are in good shape, including good mulch, and weeds gone.
In the house…Get rid of personal pictures. You want your potential buyer to disconnect from your furnishings,and personal pictures draw their attention away from the house.Swap out personal pictures for scenic landscapes, print landmarks.You might want to switch some furniture around in the rooms.Your home should have neutral colors in it, unless you have an accent wall.
Some house hunters aren’t looking for your furniture, but that old living room sofa isn’t worth making your house stand out unfavorably. Try giving worn out pieces a pick me up with new pillows or slip covers.
Spruce up the kitchen.Kitchens can make or break a buyer’s overall opinion of your home.You don’t have to invest in a full renovation, but a few simple and affordable changes can improve the space… like swapping out the hardware, or covering old floors with a runner.You want the kitchen to feel bright and spacious. Get rid of gadgets on the countertops and magnets on the refrigerator.Make sure that the counter,floor grout lines and appliances are sparkling clean.When home is on the market and being shown,try to avoid cooking meals that have strong smells. When you have home showings,a fresh bowl of fruit or fresh cut flowers is a nice touch.
The bathroom is another area you want to pay attention to.Buyers don’t typically spend too much time exploring the spot,but they’ll notice if it is clean. This is a most important factor: get rid of mildew, mold, and soap scum,and don’t forget to clean the toilet.Replace shower curtains, and bath mats if they have seen better days. Arrange toiletries in neat baskets or jars to keep the counters uncluttered.Inexpensive updates: paint existing cabinets, add new hardware and/or finish with a newercloth shower curtain if appropriate.
It is never too soon to clean out and organize “things.”Declutter!Store or get rid of things are not essential for your life.Clear away clutter even in closets, (keep in mind, the buyers visiting your home will most likely look in every corner of every room and closets.) So stashing stuff all in one closet may give the wrong impression that there’s not enough storage space.
Wash the concrete floor in your garage… and it’s best if it’s painted and sealed. Make sure the backyard is in good shape too. On the lanai, the view out the back is wherepeople spend a lot of their time.
Older homes with low ceilings may want to check out the trick that they include in the realtor.com article. By the use of wild foliage, (6 foot branches)and maybe some select draperies…you can change the feel and look.
If if a bedroom needs freshening look:“snag a bed in a bag.” Purchase an inexpensive “Bed in the Bag” from a discount store prices starting as low as eight dollars. The linens could also be use as a window treatment.
Vilà says pay attention to lighting. Good quality bulbs are important with the right wattage to properly illuminate the home.
Never hurts to be ready,and so it’s never too soon to declutter and have your house staged for sale…
What’s coming up in Crystal River and Citrus County, FL?
At the end, I also include upcoming non-golf activities at Black Diamond Ranch…
January (last weekend was the Manatee Festival in Crystal River)
27th-Inverness “Small Town Saturday Night ” Tribute to Journey; Never Stop Believin…5-9pm on the Square.
February
Ozello Craft Show & Chili Cookoff
Who will win the annual chili cookoff? This family-friendly event features a craft show and lots of delicious chili to sample.
Black Diamond’s Reese Norris performs at Twysted Vyne in Inverness on Valentine’s day. They require reservations as they expect to sell out that night. 352-419-4132; 6:30-9:30
He is also performing: 41 Landing in Floral City on February 10 from 7 pm to 11 pm and performing at Twysted Vyne again on March 1 from 6 pm to 9 pm
March
March 4- Cocktail Party/Silent Auction 4C Fighting Cancer in CC. GOLF tournament March 5.
Shrimp-a-Palooza
An annual festival presented by The Rotary Club of Homosassa Charitable Foundation. Join thousands of party goers for a day of food, fun, and live music.
Fort Cooper Days
A historical reenactment from the Second Seminole War. See the battle, experience authentic weapons and uniforms, and enjoy food and refreshments.
Clean Air Ride
This bike ride on the Withlacoochee State Trail benefits the Key Training Center. With four distances ranging from 14 to 100 miles, there’s a way for participants of all skill levels and abilities to join in the fun!
Inverness Big Bass Classic
Anglers will love this annual bass fishing tournament which pays out $1,000 in prizes to the biggest catch every hour!
Floral City Strawberry Festival
Celebrate local producers with fresh and delicious strawberry shortcakes and on-site cooking demos at one of the top events of the year.
Inverness St. Patrick’s Day Festival
Inverness knows how to do St. Patrick’s Day right! Paint the town green with a pub crawl, free live music, and much more.
St. Patrick’s Day on Citrus Avenue
Wear your green and celebrate all things Irish with a parade, live music, and much more on Citrus Avenue.
April
Fort Cooper Bluegrass Festival
Bring your lawn chair and head to Fort Cooper State Park for live bluegrass, food, drinks, and craft vendors under the shady canopy of oak trees.
Taste of Inverness
A food and beer festival in Inverness, featuring a competition for area chefs. Experience the food and fun with live music, arts vendors, and more.
May
June
Homosassa River Fireworks Fest & Poker Run
An all-day poker run on the Homosassa River followed by a brilliant fireworks display make for a day of outdoor fun for the entire family!
July
Inverness Patriotic Evening
Celebrate the 4th of July in Inverness with a stunning fireworks display over Lake Henderson and live music.
4th of July Celebration
Crystal River’s annual 4th of July celebration takes place at Kings Bay Park and includes a parade, fireworks, live entertainment, food, beer, and wine – and more!
August
Pine Street Jam & Parrothead Party
Calling all Jimmy Buffet fans! This parrot-themed downtown street party in Inverness features live music, food vendors,
October
Cooter Festival (activities all month) 10-5
Rock out at this three-day music festival at Liberty Park in Inverness. Enjoy beautiful Lake Henderson, live performances, family-friendly carnival rides, food vendors, and more.
Haunted Tram Ride (Spooky Springs)6-10 pm
A Halloween-themed fundraising event sponsored by the Friends of Homosassa Springs Wildlife Park, enjoy a haunted house, costume contest, and a spooky tram ride at the park!
Heritage Village Scarecrow Festival
Bring the kids to this fall celebration at Heritage Village in Crystal River. This festival features pony rides, hayrides, a pumpkin patch and live performances.
Withlacoochee Annual Ride
On the first Sunday in October, join the cyclists who will ride all 46 miles of the beautiful Withlacoochee State Trail. Or signup to volunteer at this family-friendly event.
November
Inverness Festival of the Arts; 10-4
An Inverness tradition since 1971, on the first weekend in November, join art lovers to browse 100 booths of fine arts and crafts at this free two-day event.
Blues “N Bar-B-QueMark your calendars. Live blues and mouth-watering barbecue make for a perfect combination at this fun outdoor festival in Homosassa.
Ozello Arts, Crafts, & Blue Crab Festival
A tradition celebrating all things arts, crafts, and blue crab. Enjoy food, drinks, locally made goods, and lots of delicious blue crab delicacies.
Stone Crab Jam;; 12-10pm
Sponsored by The Kings Bay Rotary, don’t miss this street festival featuring fresh stone crabs, beer and wine, and live music on three stages!
Black Diamond Ranch Coming events (non-golf): January
postponed due to weather—-Saturday 1/20 Farmer’s Market: Chili Cook-off Saturday ($5 donation to Black Diamond Foundation) rescheduled 2/17
Choir Concert; Sunday 1/23; 2-3 pm
Lunch and Learn Monday, 1/29 12-1 Black Diamond history
At the beginning of the year we are reminded by many to “declutter and clean.” With the cold, rainy winter we are having in Florida, we find ourselves at home more… with the extra time…we have time to address some home chores.In this week’s blog, I report again on how to maintain your real estate investment, and the much needed routine maintenance on things around the home. I read an article from theNational Association of Realtors that addresses eight common fixes that show up in inspections reports… “fix now or fix later?” Bob Vila’s article addresses 18 areas of your home you may not be cleaning…and should.
You may not be selling your home, but you do want to have it in its best shape, and keep it that way. Youdon’t want to have to do a lot of repairs before you put your home on the market. Some items found in an inspection can make or break a sale,particularly if the buyers are unsure about the items flagged in the report. No home is perfect according to a NAR home inspection service person. The home inspection a visual review of the home’s structure and its key components, including the plumbing and electrical systems.Higher cost replacement parts and systems may be used to renegotiate the sale price. So what are some of the things that you should be looking for in keeping you’re homein good shape? Ahome inspector will look for signs of structural issues. Even minor hairline cracks in the concrete slab or on the interior walls can set of an alarm. Inspectors will walk on the outside of your home, looking for cracks in the stucco.Some electrical panels have been recalled because of fire hazards.They include some of the “Challenger” brand boxes that were put in Black Diamond homes back in the 1980s and early 90s.Inspectors will be looking for plumbing issues including leaks. Even small leaks can lead to a lot of damage.They will check, of course the age ofhome air conditioning and hot water systems. How old are they? How much life do they have left?Inspectors will look for potential safety habits in a homesuch as tripping hazards from cracks in the driveway or steps into the house or missing or loose handrails. You need to replace your smoke detectors every 10 years. Inspectorswill look on the outside of your home for drainage “washouts”to see if the water fromsprinklers and/or rain is draining properly away from the house.Too much water near foundation is not good.Everything is fixable and none of the items that I mention today should be dealbreaker during a sale if owner has been proactive in maintenance.
Bob Villa gives you some other ideas about 18 cleaning spots often neglected in your home. People can have areas of their homes they never even think about cleaning… places where dirt, dust and germs may be lurking. When was the last time you cleaned your shower curtain? Your kitchen trash can and its cabinet area.Vilaincludes information on vacuuming underneath and behind furniture, replacing refrigerator gaskets, periodic cleaning of refrigerator coils. Clean out dryer vents yearly.Your remote controls and hand held devices can also harbor germs.Clean: the tops of ceiling fans, window treatments, light switches, and shower curtains. —-If anyone has someone who will clean window treatments like our Levolors,please let me know. It’s expensive to have them cleaned, but there are not many people who do this job, and I’m looking for someone.
I have cleaned out file cabinets, kitchen drawers, tried a new product to clean the tile grout, donated a lot of Christmas decor and clothes…I much rather be riding my bike or golfing…hope this weather turns warmer soon.
Last October I received a phone call from a Black Diamond resident who owns a village home concerned about homeowners insurance. He was able to get a four-point inspection and got affordable home insurance. Didn’t think much about it until in the last couple weeks,I had someone come through who wanted to buy a home in Black Diamond,but said if ahomes’sroof is more than 20 years old,that homeowner’s insurance was going to be close to $6000.Again I didn’t think much about it,and told him to do this that and the other thing …get a four-point inspection and check with several insurance agencies etc.And then this week,things got personal when we received our homeowner’s insurance bill. It went from $3816.34 to $5346.31!
Our roof is 23 years old. That is part of the reason, price is up,but also building replacement costs are up.(Good thing the house is worth more money.) Our roof has never leaked,why replace it to lower insurance costs?We were told when we built, and Don Poss who replaces most of the tile roofs in Black Diamond still says tile roofs last 35-50 years. Insurance companies do not view it that way! So I decided to do some research this week,and you will see that almost none of the village homes’ roofs,have reached even 30 years before replacement.
A little history here of Black Diamond roofs…Some of the villages had problems when the homes were built… the roofer did not put steel in the valleys and the roofs leaked.Many had roof repairs and that’s a bandage… because eventually the roof has had to bereplaced. Youwill see I have gone through thevillages here starting with the oldestto the newest, and you can see the ages of the home,what was paid for a new roof. Roof replacement costs have skyrocketed,But whydo you replace your roof if it’s not leaking? And of course,our Black Diamond ARB rules cite that you cannot just put any roofing on your village house. If it’s in the villages that have tile roofs, you have to have a tile roof . Exceptions over the years have been made for Bent Tree who had cedar shake roofs andPinelakebecause roofs were leaking and after active hurricanes like CHARLIE made roof tiles very expensive and unavailable.So exceptions were made for those .two villages, andthey came upwith an acceptable asphalt shingle roof as a choice.
Now today, when you look in Barton Creek,I think some rules have been changed. There are tile roofs that have been replaced with tile, steel(looks like tile) and a composite roof, all pretty pricey. About three other village homes have been replaced with a steel roof that looks like tile.
I think we have some major problems coming…With real estate prices up,home mortgages costs up, I read… Florida has three times the costs for homeowners insurance…resale sales of homes with older roofs are going to be hurt. OurARB needs to rethink, allowing the villages to choose a roof that is good looking, durable and may be not so expensive.
I was told by my insurance company to shop for another insurance company would-be costly since it is like starting over…inspections would need to be done.Instead,I was told if I have a wind mitigation inspection,it can lower the price of my insurance.My inspection is scheduled for Wednesday- I will let you know.Cost for inspection is $120.My home was built in 2001 and in 2002 Florida roof specifications were changed and required 4 point wind mitigation construction.So a home built after 2002,should have the right wind mitigation specs.I do not know, if a roof is not builtto the new 2002 standard code, if it can be remedied … Iemaileda couple of builders,but did not hear back.
Another roof topic…colors! Treyburn now has 4-5 colors instead of just terra cotta.Barton Creek roof changes also make formore than one color.I think all look fine. One village color for all…not necessary .Choices with approval I think are good!
If you have not had your roof inspected since you bought it, or built your home, a roof inspection to look for cracked/moved tiles and replacement of the broken tiles, can help with preventing leaks and damage…furthering the life of your home’s roof.
By the way,Homeowner’s insurance companies are not insuring homes with hot water heaters over 15 years old.
These roof change outfacts came up from the property appraiser’s office website for the most part.Scary,few to no homes’ roofs make it to even 30 years old!
Your grocery stores: Publix, Winn-Dixie, Save A lot, Rutabagas Natural Foods; 4 Walmarts (Inverness, Lecanto, Dunnellon, Homosassa) Home Needs: Home Depot, Rural King, Lowe’s.
Department store:several Bealls.
If you are a Shop ’til You Drop person, Citrus County is centrally located to some of the best malls around and you should be able to shop to your heart’s content not only locally, but in Tampa, Ocala, Gainesville and Orlando.
(Coming: Target, Aldi, Ross for Less, and ? ) Highways 491-486 in Lecanto
and NEW:Lecanto:Chopping Block Meat Market 1209 S Lecanto Hwy (491)352-249-7689
Do you enjoy unique Fashion Boutiques?
Hernando’s Wisteria Boutique is a women’s boutique specializing in fine apparel, accessories, jewelry, unique gift items for the home and all occasions. They feature local artwork “for sale” as well as handmade jewelry by local artisans.Heritage Plaza. 352-270-8019.Located next to Cattle Dogs Roaster. https://www.wisteriaboutiqueshop.com/
Beverly Hills: Wisteria II consignment clothing and accessories, handmade jewelry, beads and beading classes. 4029 N Lecanto Hwy (491); 352-697-0784; www.wisteriaboutiquetoo.com
Crystal River offers a very nice ladies’s boutique: The Cotton Club: They feature such fine lines as Joseph Ribkoff, Brighton accessories, Jams World, Yellow Box, Tommy Bahamas, Jag Jean, Belldini, Gator Gear, Alex and Ani, Slimsation, Clara Sun Woo, and Spartina. They offer a unique line of jewelry, shoes and accessories.Citrus Ave, Crystal River; 352-563-2582
If you are looking for home decor and or an unusual gift…check these places:
Lecanto: Circle of Friends Gifts located in the VA/Government Complex (behind Diamond Ridge); Monies earned are used for the Feed Seniors programs.Cute decor, jewelry, clothing, very reasonable prices.Many are handmade. 2804 W Mar Knighton CT 352-5993;10-2 Monday thru Friday.
Beverly Hills:Highly Favored Antiques and Mercantile
Everything from food to furniture.30 artisans creations in the store.FREE SANTA PHOTOS DEC. 2. 10-2. 4051 N LECANTO HWY (491) 352-302-5111.
Crystal River: 4 Seasons Wreaths Co; Local artisan Annette Damron make beautiful seasonal home decor items.And she offers classes to teach you!8675 W. Godfrey LN, 352-794-3009 4seasonswreathscollc@gmail.com
HERNANDO:
NEW:A Cracker Canvas: home decor, artist supplies, paintings and art work; 2211 E 486 (Novel Bryant) ; 352-212-4011
CRYSTAL RIVER;
Several shops in the Crystal River Heritage Village: including
Tea Bar, The Highlander Café and the River Ranch Bar & Grill.All nestled among the canopied Oaks, Palms and Magnolia trees in the historic downtown of Crystal River
Also in the Crystal River/Citrus Ave area and across 19 from Heritage Village: Amy’s on the Avenue Shopping & Bistro is a great place for lunch and gift shop.Several other gift and clothing stores on the Avenue.
Jewelry and accessories: The Glass Garage (Stained Glass Artist’s Studio) Household items and jewelry. (352) 212-3617.10823 W Yulee Dr.
DUNNELLON:
Try the Historic Village Shops of Dunnellonantiques, curiosity shops, gift shops…off Hwy 41.Grumbles House Antiques and Garden Shop. flowers, yard art, home decor 352-465-1460; 20799 Walnut St. https://grumbleshouseantiques.com
BTW Flower Time Florist has moved to Homosassa Trail.
SHOPPING CENTERS:
Click on each shopping center’s link to learn more:
Market Street at Heathbrook in Ocala on Hwy 200 includes Dillard’s, Dick’s Sports World, Barnes & Noble, Chicos Outlet, Talbots Outlet, ULTA and DSW Shoe Warehouse.
In Citrus County, food and the basic necessities of life are close at hand without the traffic you’ll experience in the big cities, but when you want a shopping field trip, try Ocala, Orlando, Gainesville or Tampa.
12/2023
courtesy Linda Thomas, Century 21JW Morton352-464-4881
With Halloween just around the corner I ran across some “scary” information concerning real estate and your home. (1) NAR suggests these home decorations are “horrifying.” (2) Nothing is more wicked than having your home burglarized. Bob Vila offers ideas for home security. (3) Home inspections can become a nightmare; prevent bad reports with a little TLC for your home. (4)(I include an updated “who to call for services” list.)
Get ready to gasp and scream with the Styled, Staged & Sold blog’s
annual countdown of the overdone trends we’re ready to say goodbye
to in the new year. This list is compiled from designer input and
consumer surveys.Some outdated trends include barbiecore; all white bathrooms; alternate stainless steel appliances; super shiny surfaces; mini backsplashes;dining room backless benches, and there is more.
36 Easy Ways to Protect Your Home from Break-Ins.How can air conditioners and car keys protect you from being burglarized? Read on for clever tips and tricks to improve your home’s security.
This article suggests shine a light; keep the big ticket purchases a secret; close garage doors; install cameras; replace hollow core exterior doors; install a security system; keep car keys at your fingertips; get a fake dog; reinforce sliding doors;install driveway alarms, motion detectors and much more!
Prevent spooky home inspections reports with routine maintenance chores. Check and replace air conditioning filters; clean dryer vents; test smoke detectors; inspect fire extinguishers;clean the garbage disposal;run water in the unused bathrooms; check house for leaks;inspect grout and caulking for cracks; inspect and clean gutters.
So this week, I’m going to talk a little bit about those home inspections that I’ve had in the last year and the problems that have come based on repair needs found in a home. These repairs usually come back to the homeowner to repair.
Wasyour home built in the 1980s and 1990s?Check your electrical box- it if itis a “Challenger” electrical box, they will not pass inspection because homeowner’s insurance companies will not approve them.The boxes have proven to be a fire hazard, and the boxes were discontinued-so parts are not available for them. A replacement electrical box is going to cost you $1200-$1800. Info from local Inspector Tony Heitz (Advanced Home Analysis):
Roof: Many homes in Black Diamond have aging roofs. Insurance companies have raised rates, make sure you have your roof inspected and when necessary follow the POA guidelines (now under review).
Water Heater-If you’ve gotten 14 to 20 years out of your hot water tank and you have not replaced it— you may want to think about doing that before it goes and leaks water all over the place.Water damage is not fun. You can get a high efficiency hot water tank, and this is a plus item for a home sale. You also may have to make sure that the gas heaters are installed properly… back in the 1980s they installed them on the floor but now the ignition source has to be 18″ above floor in garage.You may want to check your hot water heater. Also insurance companies will not issue a home insurance policy to a new owner, if the heater is more than 15 years old.
When was the last time you had your house painted on the outside? The majority of homes being built are concrete block with stucco. The paint protects the stucco. And it was recommended that the outside be painted every eight years. I have a home inspector, who’s also a contractor, says he paints his house every five years to make sure that there’s no water damage happening and look forcracks in the stucco/concrete.
While you’re checking that out,check your facia board, if there’s any rotting facia board, (or chewed area by squirrels) you should have that trimmed out and repainted.
When was the last time you had your gutters cleaned out?
You know clogged gutters can cause a back up of water which can cause roof leaks and foundation damage:
When was the last time you had your dryer vent cleared out? It should be cleaned out once a year, otherwise a cloggeddryer vent can cause fires. See the article by a home local home inspector Chuck Baker (BPG Inspections)
How old is your swimming pool? If you hadpitting or spots showing up in pool surface, it’s time to have a resurfacing done. That could runanywhere from $3000-$5000.
Do you have a septic tank?Have you had it cleaned out and inspected lately? New septic installs are subject to stricter materials for environmental safety and cost a lot of money!Take care of the one you have!
Does your garage door have an electronic safety eye (reverses the opening and closing)? Older models without them, do not pass inspections. Are the springs on the door safe? Best to have an inspection and repair before someone is injured by a falling door.
There you have the outdated and neglected items that were identified during recent home inspections that caused monster headaches for the seller!
In this week’s blog, I take a look at what is going on with homeowners insurance.I previously ran a blog last June about my quest to find a lower homeowner’s insurance premium because of our home’s aging roof. And I was able to get our premium lowered because of a wind mitigation inspection.
But… this week alone, two FARarticles appeared about homeowner’s insurance.I asked my insurance agent Kevin Hewitson for his thoughts.I include his comments.
Based on a Wall Street article, the Florida Association of Realtors reports some homeowners who are taking the middle ground to save on insurance. Rather than a drop property insurance altogether,some owners are choosing to increase their deductibles to lower their premiums. And that comes with some risks. It means that when theft, fire or other damage is occurred to their property policy holders will have to pay a larger portion of the repair or replacement bill. Typically homeowners have deductibles on standard policies that range from $500-$1000. The hurricane deductible is separate and usually much higher,Read the full article.
Another FAR article reports (based on anAssociated Press Article)that Climate Change is causing problems for insurance:
“A growing number of Americans are finding it difficult to afford insurance on their homes, a problem only expected to worsen because insurers and lawmakers have underestimated the impact of climate change”, a new report says.
A report from First Street Foundation released Wednesday says states such as California, Florida and Louisiana, which are prone to wildfires and damaging storms and flooding, are likely to see the most dramatic increases in premiums. But the fire that destroyed the Hawaiian community of Lahaina on Aug. 8, as well as the historic flooding that happened in Vermont and Maine in July, are examples of events that could drive up insurance costs for homeowners in other states.
“If you’re not worried, you’re not paying attention,” said California Sen. Bill Dodd, whose district includes the wine-country counties devastated by the LNU Complex fires in 2020.
First Street estimates, factoring climate models into the financial risk of properties in its report, that roughly 39 million properties – roughly a quarter of all homes in the country – are being underpriced for the climate risk to insure those properties.
I contacted my homeowners insurance person Kevin Hewitson for him to comment on what is going on in the insurance industry today, below are his are his comments.
The Escalating Cost of Home Insurance in Florida and Across America
By Kevin Hewitson, Insurance Agency Owner in Citrus County
If you’re a homeowner in Florida, like me, you’ve likely noticed the sharp increase in home insurance premiums in recent years. However, this problem extends beyond the Sunshine State, affecting a staggering 25% of homeowners across the United States. In this article, I’ll delve into the reasons behind the rising cost of home insurance in Florida and offer guidance on navigating these insurance challenges.
Florida’s Complex Insurance Landscape
Florida is indeed a paradise. Yet, it’s also known for its vulnerability to natural disasters, particularly hurricanes. This geographical risk factor has prompted insurance companies to charge higher premiums. Let’s explore the key contributors to this issue:
1. Hurricane Vulnerability: Situated in the hurricane belt, Florida faces the annual threat of tropical storms and hurricanes. Insurance providers factor in this elevated risk when calculating premiums.
2. Expensive Reinsurance: To shield themselves from catastrophic losses, insurance companies purchase reinsurance. The surge in global natural disasters has driven up reinsurance costs, which inevitably trickle down to policyholders.
3. Assignment of Benefits (AOB) Abuse: Florida grapples with AOB abuse, where contractors assume control of homeowners’ insurance claims. This practice often leads to inflated claims, putting upward pressure on premiums for all policyholders.
4. Litigious Culture: The state has witnessed a surge in insurance-related litigation, especially concerning water damage and hail claims. Legal fees and court costs inflate the overall expenses borne by insurance providers, influencing premium rates.
5. Growing Demand: As more individuals migrate to Florida, the demand for homeowners’ insurance has surged. The sheer volume of policies has compelled insurers to raise premiums to manage increased risk.
Seeking Solutions and Optimism
Addressing the escalating cost of home insurance necessitates collaboration among homeowners, insurance firms, regulators, and policymakers. Potential solutions include:
Mitigation Measures: Homeowners can invest in home mitigation practices to reduce risk and lower premiums.
Regulatory Revisions: Implementing regulatory changes that combat AOB abuse and streamline claims processing can help manage costs.
Climate Resilience: Communities can invest in infrastructure and policies to enhance resilience against climate-related disasters.
If you’re a Florida resident looking for guidance or assistance with your insurance needs, please feel free to reach out to me at kevinhewitson@allstate.com or 352-563-2323.Together, we can work towards finding insurance solutions that safeguard your most valuable asset.
I updated the previous blog CC “TO DO” blog, and added a printable .pdf file at the end…
Citrus County “TO DO” for Land Lovers
Whether you hike, bike, bowl, golf, play tennis or ride horses, Citrus County has a lot to offer land lovers.I will also include activities for grandchildren, the young of heart and sports enthusiasts. Site Seeing/Entertaining activities included as well…
Site Seeing, Entertainment, etc.:
The Ellie Schiller Homosassa Springs State Wildlife Park is a “210-acre park that– encompasses some of Florida’s loveliest landscape and the headwaters of the Homosassa River. The park serves as a rehabilitation center and refuge for injured and orphaned endangered West Indian manatees. The natural spring environment allows them an opportunity to re-acclimate themselves to a more natural environment before they are returned to the wild. The park also offers visitors an opportunity to observe Florida’s native wildlife in natural settings. One strolls along paved trails and boardwalks to see manatees, black bear, bobcats, key deer, alligators, grey fox, otters and cougars at close range. Most of the birds and animals that live here cannot survive in the wild.”None of our guests has ever been disappointed in going to this park! Take the boat ride—from the Suncoast (Hwy 19) entrance. https://www.floridastateparks.org/parks-and-trails/ellie-schiller-homosassa-springs-wildlife-state-park
Valerie Theatre Inverness: Home today to movies and live events!Mrs. Pearl G. Maddox built the Valerie Theatre in 1927, naming it the Valerie after her daughter. It was considered one of the most modern and beautiful theaters in the area. The theatre remained vacant from 1987 until the City purchased it in 2009. With community involvement and detailed planning, a grand reopening was held for the Valerie Theatre Cultural Center in June 2015. The Valerie is now run by The City of Inverness. https://inverness.gov/646/Valerie-Calendar
Three Local Playgrounds for toddlers Beverly Hill: Roosevelt Street near the library and Homosassa: Homosassa Trail across from the Lions Club: Clean areas to take the kids: swings, slides, climbing gyms and play areas.NEWEST AND BEST: The Depot in Inverness by Liberty Park. https://inverness-fl.gov/553/Inverness-Depot-District
A new aquarium/mermaid experiencehas opened in Lecanto:Mertailor’sMermaid Aquarium Encounter. Although the mermaid show is not as elaborate as the one in Weeki Wachee, this one is cute and the aquarium visit itself allows visitors to “touch” stingrays, starfish,other sea animals.Check for hours. 4100 Gulf to Lake Highway.352-513-3278.It is less crowded in the afternoon, and unless you read all thedetailed instructional posters as you stroll the aquarium encounters,you can view and experience the aquarium in 45 minutes to an hour.And the business has bigger plans for the future.https://www.mermaidaquariumencounter.com/
The Old Courthouse Heritage Museum (located at One Courthouse Square, Inverness).“The Historic Old Courthouse Museum is home to the Citrus County Historical Society and houses special collection exhibits and hosts a number of special events throughout the year. The iconic building is known for its copper cupola and clock face on all four sides. It also has been made famous for being part of the 1961 Elvis Presley movie Follow that Dream.Monday – Friday from 10:00am to 4:00pm. Admission is free to the public. For more information, call (352) 341-6428. https://cccourthouse.org/
Art Center of Citrus County;Local people perform several plays throughout the year. 2644 N. Annapolis Ave., Hernando; 2 o’clock matinees and evening performances:tickets usually$21. Call for more dates… 352-746-7606 or visit www.artcentertheater.orgfor more information and schedule.
Heritage Museum “If you want to gain a deep understanding of Citrus County, then you have to visit Coastal Heritage Museum. It is located in the old City Hall building which has an exterior structure that is made of natural limestone. Also, you’ll be amazed by the beauty of its interior ceilings which are constructed from Magnolia wood. The museum features exhibits and collections of artifacts, pieces of furniture, and photographs of the old life in the west side of Citrus County. You’ll surely learn a lot about the county’s history from the many displays available in the museum” 532 N Citrus Ave, Crystal River,
Floral City Heritage Museum“Located one of the most gorgeous streets in our area the Avenue of the Oaks.This museum takes you back into the time of the Florida cracker culture. Educational displays chronicle the history of cattle ranchers the founding of floral city and surrounding towns, and the city history of the oldest home in a county the Duvall house. The forest city museum is home to many events during the year including the popular heritage days which happens in December admission is free.”8394 E. Orange Ave. 352-697-2999; https://www.floralcityhc.org/museum-store.php
OPEN MIC Last Wednesday every month Open mic night at the Central Ridge Community Center, 77 Civic Circle, Beverly Hills.A free event to the public. Anyone with talents can share:poets, musicians, vocalists, comedians, (no profanity please).6:30to 9:30PM? Call Parks and Rec for more info at 352-527-7540https://citrusbocc.com/news_detail_T12_R1223.php
INVERNESS: The event known asFriday Night Thunderis now called Third Friday to broaden its reach with a variety of event-goers.Third Friday will combine a car cruise-in, variety of entertainment at the Valerie Theatre and encourage the downtown businesses to get involved in the activities. This event is designed to boost the downtown businesses and making Inverness the place to be on the third Friday of each month. https://www.inverness-fl.gov/523/City-Festivals
Crystal River Escape Room Bring your friends, family and coworkers for an hour of fun, excitement, creativity and teamwork. You have 1 hour to try and “ESCAPE“. Your team must find the codes, solve the clues, cipher the riddles and put together the puzzles to earn their freedom and its only $20.00 per person per game. Do you have what it takes? Will you escape? Remember ……. the clock is ticking!!! BOOK NOW to guarantee your time slot – Games run by appointment only. http://www.crystalriverroomescape.com/8740 Mayo Drive Suite #5 Crystal River
Citrus County Speedway “A great place to be during Saturday nights, Citrus County Speedway is often packed with people from all walks of life, families, and groups of friends, wishing to have an adrenaline-pumping night by watching speedy cars flawless maneuver on the race tracks. The bleachers are all renovated to accommodate more people, as well as the kitchen. People love this race track in Citrus Country for its affordable entrance fee and food. Make sure you visit to experience the high people get from watching the racers drive their way to the finish line.” Citrus County Speedway: 3600 Hwy 41; (352) 341-5764; http://www.citruscountyspeedwayandtrack.com/
Central Ridge Library; 425 W. Roosevelt; Beverly Hills;352-746-6622. has many classes computer, technology help, games, beading, etc. check out their website:http://www.citruslibraries.org;
Check out these venus for Misc, and golfing, hikes, birding, horseback riding, fishing, boating, and more:
Sports Activities:
MISC:
YMCA of Suncoast: Many activities including exercise classes and gym; indoor/outdoor pools, outdoor track, playground, kid zone and much more: 4127 Norvell Bryant (486); 352-500-9622; https://www.ymcasuncoast.org/locations/citrus-county-branch
Whispering Pines Park is 290-acres of natural beauty with three walking trails, Olympic size swimming pool, splash pad, tennis, disc golf, baseball and pavilions.
Crystal River nows has a splash pad for“in season” warm weather. Kids love them! Splash pads: streams of chlorinated water erupt from roughly a dozen flattened fountains throughout the paved surface, reaching heights of up to seven feet before raining down!At night the fountains light up.
Inverness “Depot” area:
The Inverness Depot District includes renovated city and state parks connecting together via the Withlacoochee State Trail. The depot was built in 1892 as part of the Atlantic Coast Line and moved to its new location, facing a section of the Withlacoochee State Trail that winds through the District. The newly renovated depot has a historic look to it and will be used for small businesses that cater to cycling, tourism, music and the many activities that abound. The Depot District also includes multipurpose open-air pavilion, a water tower with stage, picnic area
Liberty Park and Wallace Brooks Park border Lake Henderson, part of the Tsala Apopka Chain and the Withlacoochee State Trail. Renovations to Liberty Park include parking, new playground, enhanced landscaping, lighting, restrooms and waterfront gazebo which is available as a venue for entertainment and rental opportunities.
Renovations to Wallace Brooks Park include parking, a boater-friendly dock for motorized and non-motor vessels, boat rental building, restrooms, outdoor showers, outdoor sports areas,(sand volleyball)and benches with a scenic view of the lake.North Apopka Ave, https://inverness-fl.gov/553/Inverness-Depot-District
The Canyons Zip Line, Ocala. “We have two certified and experienced guides to lead you on your 3 hour adventure through approximately one mile of course which includes: NINE (9) different zip lines, 2 rope bridges, one rappel, nature walks, and fabulous views you won’t find anywhere else.We are also have the LONGEST, HIGHEST, FASTEST zips in Florida!”http://www.zipthecanyons.com/imscart/index.php
THERE IS A ZIP LINE IN CRYSTAL RIVER: Tree Top Adventure is one of the amenities when becoming a member at Faith Haven Christian Retreat Center an aerial adventure course containing 24 elements including 7 zip lines.352-601-4687; https://www.facebook.com/TreeTopatFaithHaven/;
BEACH???
FORT ISLAND GULF BEACH
Fort Island Gulf Beach includes a sandy beach, fishing and sightseeing pier, a boardwalk connecting the beach and the pier, and a boat ramp. The site includes bathrooms, outdoor showers, covered picnic tables and a grassy area on the south side of the beach. The Citrus County Boat Ramp here is Free. This launch site provides the boater with access to Gulf of Mexico and Crystal River. 16000 W. Fort Island Trail, Crystal River; 352-527-7540; https://www.discovercrystalriverfl.com/directory/fort-island-gulf-beach-beaches-swimming/
Golf:
Citrus County has about 14 golf courses (most public, some semi-private, and one private).
54 holesprivate Faziogolf: Black Diamond Ranch Golf and Country Club;3125 W. Black Diamond Circle; Lecanto; 352-746-3446; www.blackdiamondranch.com
Biking and Hiking
Biking is great exercise and a wonderful way to see a variety of natural settings found in Citrus County. Many of the bike trails are suitable for walks and hikes. If this is your favorite way to go, you can choose from a cross-country excursion, a meandering scenic day ride or a more primitive off-road track.
A popular cycling route (and a good walking trail) is the”Rails to Trails” Withlacoochee State Trail. Formerly a railroad right-of-way, the 47+ -mile trail is paved its entire length through Citrus County. If you don’t have your own bicycle, rental bikes and roller blades are available in several locations: Rental bikes in Dunnellon, Inverness and Floral City.
NEW:in Inverness: Selecte Bikes; Family owned and operated, we are your source for high quality electric bikes in Citrus County. Because we are located right on the Withlacoochee Bike Trail you can rent one of our electric bikes and ride for a while to see what all the buzz is about before you purchase one. 352-503-7007; 565 US. Hwy. 41, Inverness; https://www.selecte-bike.com/
Crystal River Preserve State Park “A place of exceptional natural beauty, the undisturbed islands, inlets, backwaters and forests of this Crystal River Preserve are especially cherished by nature lovers and photographers. The park borders 20 miles of the northern Gulf Coast between the two cities of Yankeetown and Homosassa. Visitors can hike or bicycle along seven miles of trails or study the native wildlife and plants on the two mile interpretive trail.
We ventured to Cedar Lakes Woods and Gardens (Williston FL) A one mile hike or so through the gardens. The waterfalls and ponds created there are unbelievable in the rugged terrain. To think that this was someone’s house and they had these gardens built! Flowers blooming will vary by season-must have been beautiful this winter when the camellias and azaleas were in bloom.I must warn you that it is a very rugged hike. (I did fall): Occasional stairs and lots of uneven ground. http://www.cedarlakeswoodsandgarden.com/
Potts Preserve: The property was acquired for protection of the area’s groundwater recharge, as well as important surface water features and wetland habitats. The preserve’s wetlands play a role in both the Tsala Apopka Chain of Lakes and the Withlacoochee River systems, part of the Floridan aquifer’s recharge/discharge system. Additionally, the site provides habitat to wildlife, including a small population of threatened Florida scrub-jays. Birding, Bicycling; Hiking, Fishing, Boating, Hunting, Camping, Equestrian… 2988 N Hooty Point, Inverness; (352) 796-7211, ext. 4470; https://www.swfwmd.state.fl.us/recreation/potts-preserve
Dames and Peace Caves:aka:Trail 22, Lecanto; “Dames Cave is the passageway that leads to more caves. One of the many caves here is Vandal cave, which has a collapsed roof entrance. Upon entering the cave, you’ll realize why itis called Vandal Cave, for it has graffiti throughout its walls. A lot of people like to shoot their photos here and use the vandals as their backdrop.”Peace Cave: If you’re willing to go underneath the surface and travel unknown places, then you have to visit Peace Cave. It is a karst cave, composed of dolomite, limestone, and gypsum rocks. When you hike to the inside of the cave, you’ll see natural wonders, you haven’t seen before. This cave is safe that parents can even bringtheir kids with them when they hike; Opening hours: Mon – Sat: 8am – 5pm; 10701 S Lecanto Hwy;Found this on the web: https://myfamilytraveladventures.com/2021/04/11/damescave/
Located in the small town of Homosassa, Yulee Sugar Mill Ruins
Historic State Park “was once a part of a plantation that supplied sugar to the southern delegations during the Civil War. The name of the park is after the owner of the old plantation, Dave Levy Yulee. What you’ll see now in the park are remains of the plantation, like the cane press, masonry chimney, iron gears, and more, which are noticeable from the road. Also, this Citrus County point of interest features picnic tables, pavilion, and restrooms which will make your experience in Yulee Sugar Mill Ruins Historic State Park more convenient.” https://www.floridastateparks.org/parks-and-trails/yulee-sugar-mill-ruins-historic-state-park
Tennis:
You all find tennis courts in many of the communities in Citrus County: Black Diamond Ranch, Citrus Hills,Meadowcrest, etc. and in Citrus Springs, Homosassa, and Inverness. The YMCA also hastennis/pickeball programs.
Equestrian:
Mother Nature made Citrus County “a natural” when it comes to equestrian activities. Whether you want a day’s ride or a full equestrian camping trip, the facilities you need are here. Also, you may trailer your own horse or rent one when you arrive. Whatever your choices, the fun of riding through some of the most beautiful public lands in Citrus County is available to you. At Tillis Hill, in the Citrus tract of the Withlacoochee State Forest, there is a horse stable which accommodates 20 horses, as well as a 37-site camping area. From this campground, you can begin a 14-mile one day trail, or a 24-mile two-day trail. We recommend you make reservations with the Florida Department of Forestry (352) 796-5650 for use of the horse stables. Trails are available for use at any time. The Southwest Florida Water Management District (SWFWMD) has established horse trails on both the Flying Eagle and Pott’s Preserve tracts. Flying Eagle has nine miles of designated equestrian trails (closed during hunting season). Equestrian camping is also allowed by permit. Call 1-800-423-1476.Potts Preserve has 12 miles of marked trails and even allows horse-drawn buggies by permit. A limited number of horse stalls and overnight camping (no charge) is allowed by permit. Call 1-800-423-1476. The Withlacoochee State Trail is the newest addition to horseback riding trails in Citrus County. Plans include interconnection with Fort Cooper State Park for stable and camping opportunities. Horseback riding is presently confined to designated bridle paths. For more information, 352-394-2280.
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I updated the previous blog CC “TO DO” blog, and added a printable .pdf file at the end…
