The Silent Deal Killer: Why Insurance is the New Front-End Crisis - Episode 36 скачать в хорошем качестве

The Silent Deal Killer: Why Insurance is the New Front-End Crisis - Episode 36

In this episode of Real Talk Real Estate, Scott and Don tackle what has quickly become the "silent killer" of real estate transactions in Southwest Louisiana: Insurance. Gone are the days when insurance was just a simple checkbox at the end of a deal. Today, rising replacement costs, tighter guidelines, and companies pulling out of specific zip codes have turned insurance into a front-end issue that can price a buyer out of a deal before they even reach the appraisal. The guys break down the most common mistakes buyers make—like waiting too long to pull quotes or assuming they can simply take over a seller’s outdated policy. They also share real-world stories of holding deals together through government shutdowns and early occupancy agreements when FEMA and private carriers stall. If you’re buying or selling in today's market, this is a must-watch to ensure your transaction doesn't fall off the tracks. Key Takeaways: Front-End Problem: Why you must pull insurance quotes during the inspection period, not the week of closing. The "Four-Point" Reality: How older roofs, outdated electrical panels, and prior claims can lead to immediate denials. Assumption Pitfalls: Why the seller's current policy is rarely what you will actually pay as the new owner. DTI Impact: How a $200 increase in monthly insurance can instantly kill a buyer's debt-to-income ratio and the entire deal. Planning Over Fear: Practical steps to get in front of the numbers and make sound, logical decisions rather than emotional ones. #RealTalkRealEstate #LouisianaRealEstate #HomeInsurance #RealEstateTips #PropertyInsurance #HomeBuyingProcess #SWLA #DealKiller #RealEstateAdvice #FEMA #InsuranceCrisis