Caitlin Constantine

speaker

175 appearances 1 recordings 1 series first heard Feb 2026 last heard 23 Feb

Caitlin Constantine’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 1 in all, peaking in Feb 2026 with 1.

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They are being impacted by flooding.

By the way, renter's insurance does not cover flood.

In fact, home insurance is on cover flood.

I feel obligated to say that every time I mention flooding.

But you do want to make sure that your stuff is protected because if you lose all of your stuff, that is a lot of money that you are out.

And it's also a lot of heartache.

Who wants to lose all of their stuff on top of everything else?

That would be my advice for renters.

Well, I think the first thing that you need to do is assume that you are going to end up paying more in escrow than you are now.

Don't assume that your home insurance and your property taxes are going to hold steady because they probably won't.

I ran into this myself when I lived in Florida.

My property insurance increased to a point that my escrow did not increase with it.

And I found out that that happened when I got a cancellation notice from my property insurance company.

Oh, no.

Fortunately, everyone was very good.

I got on the phone with my lender and with my property insurance company and we had it sorted out.

But getting that kind of a letter in the mail can be, you know, it can be a little heart stopping.

So definitely just be prepared and pay attention to those bills when they come in so that you're not caught off guard like I was.

If your escrow payment is no longer covering the cost of your insurance and your property taxes as well as your mortgage.

And then if you do end up buying something.

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