We installed engineered flood vents, which lowered our Flood insurance premiums from a ridiculous $14K/year down to an absurdly low $300 or less! That and a new survey/Elevation Cert., plus some research, and a great insurance agent, Chris Heidrick! This will be a BIG Plus for any future owners, making paradise most affordable! Also, no HOA to answer to, and pay useless fees for a sign out front!
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