Originally Posted by villagetinker (Post 2211871)

Per year

Originally Posted by Malsua (Post 2212124)

I perform wind mitigation inspections. I am licensed, insured and certified to do so and run an inspection business here in TV.

You've got it mostly correct, there are a few more things.

The type of connection: toe-nails, clips, single straps, double straps
The type of nails for the deck to truss connection. 6d or 8d. There is also a new standard for a thicker ring shank nail, but it's not entirely clear if insurance companies are factoring that in or not.

There is also impact protection. Most of the newer homes that I perform win mits on have additional hurricane bracing on the garage doors. I would say this started in TV around 1998 or so. The oldest homes don't have it. There should be a pressure rating sticker or ASTM rating somewhere on the door.

You can also have impact rated glass and entry doors. I have yet to find any of that here in TV, but I have seen it near the coasts although I have not done any Wind Mits out that way on either side of FL. Further, you can have hurricane rated shutters of various types, again, I've not found that here in TV.

Most homes built after 2004(2002 in some jurisdictions) already have a wind mitigation discount built into the insurance as that is when the Florida Building standards changed. That said, not every insurance provider will provide the discount without the inspection, so be sure to ask your agent. If it is not included, get a wind mit done, it's worth it.

It takes a little more than a few minutes but usually under an hour and it requires some time in the attic but well worth it for the discount.

Originally Posted by jimjamuser (Post 2212194)

I don't understand WHY you would concentrate on the cost of homeowners and car insurance when determining whether to live in TV Land or NOT? There are MUCH BIGGER factors at play here. TV Land is about ACTIVITIES. Do you plan on engaging HEAVILY in the AVAILABLE ACTIVITIES? Another big factor is the cost of the house. Some areas have lower-cost houses than others. There are different size houses.
.......The other big factor (like a gorilla in a room) is will you spend the summers in TV Land or are you going to be a snowbird. I hope that you know that summers are VERY hot in Florida and the last 8 years have been record heat. And the prediction of HEAT (and likely hurricanes) is going to CONTINUE increasing for years. So, there are GREATER factors to consider about relocating to Florida than MERELY insurance costs.
.........Personally, unless you plan to keep 2 homes, I would locate in one of the Carolinas. Find a retirement area there in order to avoid the Florida summer HEAT, which is already beginning.

Originally Posted by charlieo1126@gmail.com (Post 2212207)

You seem to always be harping on the heat in Florida , The simple solution to that is keeping yourself acclimated to it ,by going out in it . I always walk or ride bike in afternoon after I finish the gym ,no matter how hot it is out, if I’m alone I never and I mean ,never sleep with AC , I’ve also never slept with the heat on either ,, I drink no cold water when I’m out even if it’s at beach just whatever temp the water is . I don’t even own a pair of shorts except for gym clothes , I wear jeans or slacks everywhere except the gym even when I lived in Miami Beach . I’ve lived many years in hotter places then Florida and people seem to go on with there life without whining about the heat

Originally Posted by JGibson (Post 2212203)

Most everything is more expensive in TV. A hamburger in 5 guys at Brownwood is $12.00, that's without cheese, fries, and drink.

Originally Posted by Papa_lecki (Post 2212210)

Keep telling yourself that, I just went to five guys web site,

In Brownwood a burger is 10.09
In some random town in South Carolina it’s 9.29
In some renadom town outside of Philadelphia, it’s 9.69
In Miami and Los Angeles, it’s 10.59

Is $0.40 or $0.80 that much more expensive?

Originally Posted by tombpot (Post 2212214)

Sell your place in MA problem solved

Originally Posted by Remembergoldenrule (Post 2212133)

Sounds like you need to consider a house that is reasonable and comfortable. A patio villa is what we decided on and we live here full time. Cost of house upkeep it a lot less and we have more time for fun. We just got tired of the two house situation. We were spending too much traveling back and forth and worrying about other place when here. Plus cost of keeping up two places. We have considerable more money to enjoy with one house especially since we for patio villa.

Colony has big master bedroom and guest room has enough room for queen bed and crib or cot for grand child we also have pullout sofa for grand kids. Dining room big enough for tabl with six chairs and nook has for more chairs. Living area big enough for seating six to eight. You get the idea. Place for car and golf cart. Here is link to one like ours. Cost of upkeep is a lot less too.

1458 Olympia St, The Villages, FL 32163 | MLS #G5067386 | Zillow

Next, you need to think of all your costs.
You have a place in MA. How much are you spending on this place? Taxes, insurance, maintenance, utilities, etc. Doyou have a car there too with all the upkeep costs for it? What do you do there for social and fun?

If you become a Florida resident, you will have no taxes on your income, your property taxes will be lower with a cap on any increase each year. If you live here full time then you could use the money from the sale of MA place to pay cash and probably have money left over to live on.

We have 56+ golf courses, 180 clubs, pickle ball, putt put, Numerous pools, biking, and more to keep you busy and meet friends. There are also a lot of volunteer opportunities. Grandpa camps for kids to have things to do when visit.

Take quality of live in consideration along with finances.

Good luck.

Originally Posted by Papa_lecki (Post 2212221)

But when the oceans rise, and Florida is under water, where will he live?
Unless, The VIllages becomes Ocean Front, then you can’t touch a home here for less than $1 million.

Originally Posted by golfing eagles (Post 2212187)

But were they driving cars with "infernal combustion engines"???? Didn't work it in????You're slipping :1rotfl::1rotfl::1rotfl:

Originally Posted by jimjamuser (Post 2212229)

I didn't want to confuse the issue with too many solutions to TV Land problems.

Originally Posted by jimjamuser (Post 2212194)

.........Personally, unless you plan to keep 2 homes, I would locate in one of the Carolinas. Find a retirement area there in order to avoid the Florida summer HEAT, which is already beginning.

Originally Posted by Nana2Teddy (Post 2212195)

OP states they’re in Fort Meyers now.

Originally Posted by jimjamuser (Post 2212229)

I didn't want to confuse the issue with too many solutions to TV Land problems. It seemed that car insurance costs were being zeroed in on........even though there are more important issues involved in deciding to move here or NOT. Initial home costs should be of greater concern. And I agreed with the post about a Patio Villa as a way to keep costs down. I also wanted (in another post) a POTENTIAL TV Land home buyer to be aware of the high HEAT AND humidity of living here in the summer. And the scientists' prediction of record HEAT in the near future.
........(Which I know that you disagree with) but is a factor that should be "front of mind" for any potential buyer staying year-round. They can agree with me (look it up) or with you, I don't care. But, I care to advise them to include in their decision tree whether they want to be exposed to the summer heat. I advise that they SIMPLY research that FACTOR and forget about MINOR factors like home and car insurance!