Insurance Documents

Master Policy Certificate Request

Request for COI for Informational Purposes Only

Property Owner Name(s)

First Name

Last Name

Complete Property Address

My Email

Request for COI for my Mortgage Company

Property Owner Name(s)

First Name

Last Name

Complete Property Address

Name of Mortgage Company

Address of Mortgage Company

Loan Number

Email or Fax to send proof of insurance to

My Email

Alternatively, you can send a scanned copy of the letter you received from your lender to office@voslhoa.com.

Please note this method will take longer than using the form submissions above.

Wind Mitigation Report Request

Send your request to office@voslhoa.com.

Please note this is a commercial wind mitigation report for the entire building. If you need an individual report for your unit you must pay for that yourself. The Association uses C. Dick Smith Quality Home Inspections
(561) 543-8230 who will charge $75 for an individual inspection.

You can also find a home inspector using the International Association of Certified Home Inspectors (InterNACHI) search tool.

Looking for something else?

State of Insurance

Article XII of our Declarations of Covenants and Restrictions defines how much and what types of insurance the Association must carry.

American Coastal Insurance is our current carrier. Through them we are insured for more than $200M in property coverage. This insurance cost is approximately 35% of our 2024 budget.

UPDATE April 2024: We have received a flat rate insurance renewal this year! Your board members are committed to responsibly allocating the surplus in our budget to cover the community’s needs and prepare for the next potential insurance premium increase.

Future of Insurance

Insurance premiums aren’t expected to fall for the next few years, according to the experts cited in this article by the Miami Herald. Floridians pay almost three times as much as the national average for insurance. Recent legislation reforms focused on curbing excessive litigation and not on lowering premiums leaving rates to climb 30 to 40 percent in the first six months of 2023. Compounding the issue are additional factors such as construction and labor costs going up 55% in under 5 years while more frequent and severe storms have led to more claims; reinsurance costs continue to rise due to global factors; and carriers have abandoned the marketplace citing the inability to cover the policies they carry. If you find yourself being dropped for coverage, check out this guide by Insurance.com on what you should do if your insurer cancels your policy.