At Home In Scottsdale | Your Guide to Scottsdale Real Estate

One of the disclosures an owner makes when selling a house in Arizona is a five year insurance claims history.  This report is supplied by the seller’s insurance company in the form of a letter of history, or by the seller as a CLUE (Comprehensive Loss Underwriting Exchange) report.

Yesterday, I received a letter from an insurance carrier for a condo that I currently have listed for sale.  In many cases, the insurance history letter simply states that there were no claims in the past five years, but in this letter there was a claim for “Broken Front Door”, where the insurance company paid nothing. 

I asked the owner’s son if he could explain this one to me, since I knew I’d be asked.  His reply was that when his mother had her fall, the fire department had to break the door down to get in and help her.  The cost of replacing / repairing the front door was the same as the deductible, so no claim was filed, but it was noted on the home’s insurance history.

Which brings me to the point of this post, the Scottsdale Area Association of REALTORS®, in conjunction with the Scottsdale Police Department, Scottsdale Fire Department, and the Maricopa County Sheriff’s Office will provide emergency lock boxes to Seniors. If the Senior’s income is under $25,000 per year, the lockbox is free. Otherwise, the charge is $25, a very small price to pay for the security of knowing emergency help could easily get to you or your loved one, without having to break into the home, in an already traumatic situation.

This lockbox program is available to Scottsdale and Fountain Hill residents. Call 1-877-229-5042 for more information.