EFTA01179893.pdf

From: Richard Kahn To: Jeffrey Epstein <[email protected]> Subject: Homeowners Insurance Date: Tue, 07 Aug 2012 21:13:54 +0000 Attachments: SICMBT_C25312080716420.pdf Attached is the declarations page of Florida insurance policy for period ended 7/15/2012. I have not yet received the renewal numbers as they just did an inspection for Florida and we are awaiting feedback. I do not anticipate a change of more than 5% in either direction Florida Key Facts: Total Coverage House 4,909,785 Other Structures 981,957 Contents 2,454,893 Total Cost 35,815 Deductible: 25,000 Hurricane Deductible of 2% of House Coverage or 98,196 LSJ Cost without generator and mechanical buildings 215,234 plus approximately 15,000 for new structures = 230,234 Total Cost for Florida & LSJ = 266,049 3 year cost Florida & LSJ = 798,147 My conservative thoughts are to renew Florida and LSJ. I would attempt to eliminate more structures from LSJ to bring premium down to approximately $200,000. Since insurance covers both liability and other potential incidents such as fire i believe you are safer to buy insurance and not self insure. One less headache you need to worry about.. In addition i think that storm patterns for Caribbean, florida and mexico all have a mind of their own and we cannot accurately pick which spot is more exposed. Please advise PLEASE NOTE EFFECTIVE JUNE 5TH MY CONTACT INFO WILL BE AS FOLLOWS: Richard Kahn HBRK Associates Inc. EFTA01179893 Begin forwarded message: From: Date: Au ust 7, 2012 4:42:29 PM EDT To: Subject: Messa e from KMBT C253 Reply-To: EFTA01179894