A buyer is purchasing a home in Jacksonville that was previously damaged by Hurricane Ian and has been repaired. During the inspection, the buyer discovers that some of the hurricane damage repairs were not properly permitted. What insurance concern should the real estate agent discuss with the buyer?
Correct Answer
A) The insurance company may deny future claims related to unpermitted work
Insurance companies may deny claims for damage related to unpermitted work, as such work may not meet building codes and could contribute to future damage. This creates a significant risk for the buyer. Option B (no hurricane insurance available) is incorrect as previous damage doesn't automatically disqualify hurricane coverage. Option C (property uninsurable) is too extreme; the property may still be insurable but with limitations. Option D (only flood insurance required) is incorrect and doesn't address the unpermitted work issue.
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