Gulf Coast Property Insurance—Built for Wind, Water & What-Ifs
Protect your coastal investment with a program designed for the realities of the Gulf. Whether you manage a condo association on the Florida Panhandle, own multifamily in Tampa Bay, or sit on an HOA board along Mississippi’s Gulf Coast, you need coverage that stands up to hurricane seasons, ordinance updates, and rental income risk.
Meet Julia Dourvetakis of Barefoot Insurance Brokers—licensed in Florida and Mississippi—who helps property managers, owners, and HOA boards secure coastal-focused insurance with strong limits and smarter options.
Why coastal properties need a different approach
Gulf Coast buildings face unique exposures—named storms, wind-driven rain, code upgrades after a loss, and the risk of rental interruption when units are uninhabitable. Standard policies often leave gaps or use deductibles that don’t match your risk tolerance. Julia’s market access and coastal expertise help you compare terms, deductibles, and special form endorsements so you’re not surprised when a claim hits.
Program Highlights at a Glance
- Wind & No-Wind Options:
- Up to $3 million per occurrence with wind
- Up to $2 million per occurrence without wind
- Up to $20 million in Total Insured Value (TIV) across eligible schedules
- Difference-in-Conditions (DIC) available if needed—to help address gaps standard property forms may not cover.
- Business Interruption & Extra Expense—keep operations moving while repairs are underway.
- Loss of Rents—protect cash flow for rental units and associations.
- Law & Ordinance Coverage—fund required code upgrades (Coverage A/B/C as eligible).
- Competitive Coastal Rates—built for Florida & Mississippi risk profiles.
Coverage availability, limits, and deductibles are subject to underwriting and policy terms. Not all options available for all properties.
Tailored for property managers, owners & HOA boards
- Condominium & HOA Associations: Align hurricane/wind deductibles with reserve strategies; address ordinance compliance for older buildings.
- Multifamily & Mixed-Use: Protect rental income and speed unit turn-back with extra expense provisions.
- Commercial & Community Properties: From clubhouses to retail pads, keep cash flow intact during repairs.
Florida & Mississippi Service Areas
Serving coastal communities across the Florida Panhandle, Tampa Bay, Southwest Florida (Naples/Fort Myers), Sarasota–Manatee, and the Nature Coast, plus the Mississippi Gulf Coast—Gulfport, Biloxi, Ocean Springs, Bay St. Louis, Pascagoula, and surrounding markets.
Smarter deductibles. Fewer surprises.
Hurricane and windstorm deductibles can be percentage-based or flat. Julia helps boards and owners balance premium savings against worst-case out-of-pocket costs—so your budget (and reserves) are prepared when the wind blows.
What to expect when you work with Julia
- Risk & Coverage Review: Current policy analysis to identify gaps.
- Market Comparison: Quotes across multiple coastal carriers and programs.
- Deductible Strategy: Align storm deductibles with reserves and cash flow.
- Board-Ready Summaries: Clear side-by-side comparisons for votes and approvals.
- Ongoing Advocacy: Annual remarkets, renewal strategy, and claim support.
Get a proposal built for your building
Ready to compare options for your coastal property or association?
Contact Julia Dourvetakis
Phone: 954-368-0060, x 5
Email: julia@barefootins.com
Agency: Barefoot Insurance Brokers
FAQ
What is Difference-in-Conditions (DIC)?
A specialized policy form that can help address gaps left by standard property insurance. It’s commonly used for hard-to-insure perils or exclusions and is tailored to specific risks and locations. Eligibility and scope vary.
Why is Law & Ordinance coverage important?
After a loss, many jurisdictions require you to rebuild to current code. Law & Ordinance coverage can help fund demolition, increased construction costs, and the cost to upgrade undamaged portions as required—expenses that standard policies may not fully cover.
How does Loss of Rents/Business Interruption help?
If units or spaces can’t be occupied after a covered loss, these coverages can replace lost rental income and provide extra expense funds to speed reopening.
Can I combine properties to reach higher TIV?
In many cases yes—subject to underwriting. Julia can structure schedules to pursue up to $20 million in TIV where eligible.
About the Author
Julia Dourvetakis is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers, bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workers’ compensation, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@barefootins.com or call/text 954-866-5723.
