Four-Point Insurance Inspections
 
Just about everybody knows about home inspections as part of the due diligence prior to closing a transaction. Are you aware of four-point home inspections required by many insurance companies when writing a policy for a single-family home?

Specifically, most insurance providers for older homes (25 years or older) will require this above and beyond the standard home inspection. The concern is that there may be conditions in an older home that could be liabilities. This four-point assessment will show explicitly what the insurance needs are as well as expose liabilities.

While there is no industry-wide standard form, some insurance companies have created their own forms and some accept forms used by certified property inspectors. These forms will include the requisite four areas of examination:
  1. Electrical
  2. HVAC (heating, cooling, ventilation)
  3. Plumbing
  4. Roof
Insurance companies want to confirm that these four important (and expensive) components in the home are working as intended within the manufacturer specifications. The inspector will evaluate these components based on the current working condition, scheduled maintenance checks, and service life expectancy. Upgrades and updates will decrease the insurance premium and will be noted on the form.

The insurance companies are looking for these four systems to be in generally good working condition and that they are not at the end of their service life. In the end, this inspection gives both the buyer and the insurer confidence in the home's vital systems.

All the best,

Debbie Neale
BA, MA, CRS, CLHMS, GRI, e-PRO, RRS, CDPE, RSPS
RE/MAX Hall of Fame
Broker Associate
RE/MAX Beaches
P: 850.803.8633
Explore Our Featured Listings
Sandestin Golf & Beach Resort


Located just a few miles west of Scenic Highway 30A, Sandestin is home to 30 distinct neighborhoods, including pockets of beautiful villas, town homes, condos, resort homes and hotels. 

The lushly landscaped 2,400 acre resort boasts seven miles of Gulf beaches and bay-front property, four championship golf courses, 15 tennis courts, 19 swimming pools, a 98-slip marina, shops, restaurants, nightclubs, fitness centers, a spa and 65,000 square feet of convention space. In the heart of Sandestin is The Village of Baytowne Wharf, a family-friendly pedestrian village full of excellent restaurants, shops and activities.

It's big. And yet, Sandestin somehow retains an authentic aura of community, with each of its beautiful neighborhoods possessing a unique charm. 

From solitude to splendor, beach to bay, kids to retirees, from sunrise to sunset, Sandestin has something for everyone. Explore these three wonderful properties located within Sandestin. 
 

This wonderful A-rated Lasata studio unit is located right in the heart of The Village of Baytowne Wharf. The floor plan includes double beds, a kitchenette, full bath, and closet to complete all your needs in the perfect vacation getaway or rental property. From this fifth floor condo you will have stunning views of the gardens and the Bay just in the distance from the spacious balcony. This unit is a great little paradise!    

This 3rd floor unit at Lasata is beautiful. An open floor plan overlooks the natural preserves, and peaceful bay views are enjoyed from the spacious balcony. This 1 bed 2 bath unit also has a pull out sofa for additional sleeping. Furnishings and décor exude a sophisticated island living feel.. perfect for a getaway or to invest in as a rental unit. Lasata owners have access to the private ''Solstice Club'' with a beautiful deck for relaxing and enjoying sunsets, barbecue facilities, kitchen & gathering area, and large screened porch. 


 Feel the relaxation as you enter this renovated 2 bedroom end unit in Bayou Village. Plentiful windows and glass sliders allow natural light to wash over you as you flow from room to room. Exit to one of the patios to take in the sunrise or sunset, or enjoy from inside the bonus room with its floor to ceiling windows. The gorgeous kitchen, dining, and living areas all flow together: a great space to have the family all in one place. A bunk room allows for extra sleeping arrangements in addition to the master and guest suites both with attached full baths. This end unit is a must see!
What Does Jay Say?

For those of you who closely follow the local real estate market, I just wanted to keep you up to date on the Real Estate Market for Gulf Front, Gulf View, and other foreclosures in our area that you can always find on our website. Click the links below to view our updated list of foreclosures. Not looking for a foreclosure? Feel free to create a customized search, or browse our site to view all properties that are currently on the market. 

" Word-of-mouth is a force of nature. "
John Cooper Clarke

We realize the value in word of mouth. Can you list out the last 20 significant purchases you've made? If you do that, and you evaluate your reasons for buying them, you'll likely find that many of them were influenced by the opinions and input of others.

We understand the best way for you to know the quality of work we do is by taking into consideration the experience others have had with us. Currently, we have over fifty-seven 5-star reviews on Zillow . We couldn't be more grateful to our clients that have left us these wonderful reviews! 

There are two things you should know about these online reviews.

These are real clients we've had the pleasure of working with! We want to assure you that we have never paid for "fake" or "filler" reviews. Some agents might feel comfortable doing so, but we are not. 

- We  never compensate our clients to leave these reviews. After working with our clients, we simply ask that they leave a review, and they're wonderful enough to take a few minutes of their time to do so. All that we request is honesty. Not only do these honest reviews help future clients in making a decision when choosing a real estate agent, they also serve another important purpose: they're an opportunity for our clients to speak to us. We value communication! 

Not all of our clients have left us reviews. We understand that people are busy, especially just after buying or selling a property! We absolutely value assisting each client we have, so much so that we stay in touch for years after working together. This brings great joy, passion, and satisfaction to the work we do, and we couldn't be more grateful for that.  
 

  
Best Wishes, 

Jay P. Agnew 
Team Leader
RE/MAX Beaches 
P: 850.865.3711 
The Science of Giving: 
Why One Act of Kindness is Usually Followed by Another

Small  acts of kindness are sometimes powerful enough to make major headlines. In fact, you've probably read about or watched a few of these stories unfold in the past month. 

Here's how it usually plays out:  One person will do a good deed-such as placing a cup of coffee on reserve for a homeless person, or paying off a stranger's layaway balance at Kmart-then a trend will start, with more and more people getting in on the act. The result is a feel-good story for all. The benefactors are happy to have done a good deed and the recipients are pleased to have been given a small but meaningful helping hand.

However, the circle of generosity doesn't end there-in fact, it's exponentially bigger. Recipients of kindness generally want to keep paying it forward, says James Fowler, professor of medical genetics and political science at the University of California, San Diego. In fact, in one of Fowler's studies, he found that a single act of kindness typically inspired several more acts of generosity. The scientific name for this chain of altruism is "upstream reciprocity," but you can think of it as a domino effect of warm and fuzzy feelings: If you drop a quarter into an expired parking meter, the recipient of that small act of generosity will be inspired to do a kind act for someone else, and on and on.

The Helper's High
So where do these good feelings come from? When you are kind to another person, your brain's pleasure and reward centers light up, as if you were the recipient of the good deed-not the giver, according to research from Emory University. This phenomenon has actually earned the nickname "helper's high" among psychologists who study generosity, and some researchers theorize that the sensation is also due to a release of endorphins, those feel-good chemicals associated with runner's high. It's no surprise then, that a 2010 Harvard Business School survey of happiness in 136 countries found that people who are altruistic-in this case, people who were generous financially, such as with charitable donations-were happiest overall.

Of course, part of why  giving feels good is because we know we're lifting someone else's spirits. Receiving a gift, assistance, or even an encouraging smile activates the brain's reward center, a phenomenon that's hard to explain but easy to feel-just think back to the last time a stranger held the door for you or your partner surprised you with your favorite meal.  The sudden appearance of these positive feelings is what helps keep the giving chain alive: Somebody who has just received an bit of kindness is elevated, happy, and grateful, making them likely to help someone else, according to a 2007 study from Harvard University.

But there's more. The effects of kindness can be so great that you actually don't have to be directly linked to a giving chain to get in on the act. By simply witnessing generosity you may be inspired to do something generous of your own, according to new research from Fowler, who found that simply observing kindness can spur more acts of good. Humans often mimic behavior they see, and that includes generosity, which explains why some of these stories of small acts of kindness become bigger news.  Even people who simply hear about a giving chain are often inspired to give, starting a chain of positivity all their own. 
www.happify.com
  Sold In Paradise Team | RE/MAX Beaches | 850.803.8633 | www.SoldInParadise.com
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