Send us a text Disruption, Dislocation & Details This week's show is built around what you need to do and who you need to get help from when things go wrong before, during and after you buy or rent a home. "I want to buy that house but should I be concerned it is in a flood zone?" "The co-op apartment above me had a major plumbing issue and now my apartment and fine art has been ruined by water damage - now what?" "I don't want to live here anymore. Can I break my lease and leave?" Two experts that know about disturbance: John Allen is going to talk with us about some areas of insurance that affect our buyers and what we can do to point them in the direction about protecting their most important purchase. Chubb Insurance is a firm that has built a reputation for going all the way for their clients. What does all the way mean? I found on the Chubb website that they "will pay to have your home repaired or rebuilt to its original condition - even if the cost exceeds your policy limit". It makes me wonder how can they afford to do that? We are going to ask John some key questions about what do we need to know about insurance for ourselves and our clients especially these days. Our second guest, Phil Horigan, is the founder of LeaseBreak.com, the source of short-term furnished rentals in New York City. Before Leasebreak hit the scene in 2013, furnished short term rentals were also very difficult to find because there was no one place people could go to see the thousands of available furnished short term rentals at any given time. You had to look on multiple websites in order to find temporary housing, or ask every landlord if they would allow furnished short term rentals (95% said no). Leasebreak’s job is to provide one marketplace for all of these furnished short term rentals along with rooms for rent, leasebreaks, and sublets. Not only does Phil help you find a place, he helps you break your lease so you can go get a better place with your favorite realtor. About Boroughs & Burbs: We are excited to share with you our weekly wide-ranging zoom conversation with real estate experts from around our area. We will be joined by various guests each week, hosted by John Engel in Connecticut and Roberto Cabrera in New York. Roberto Cabrera - With 20 years of experience, I have been recognized throughout the industry for achieving outstanding results: Ranked nationally by REAL Trends as one of "America's Best Real Estate Agents” for avg. sales price of $4.350M. Sold a single family Townhouse faster than any other on the Upper West Side over $10M. I live with my wife and daughter on the Upper West Side, the neighborhood I have called home for the past 23 years. I was originally born in Richmond, Virginia and grew up in Maryland, just one mile south of the Mason Dixon line. After graduating with a degree in Mathematical Economics from Hampden-Sydney College, I spent 5 years in Washington, DC working as a financial consultant. I also studied at The National Conservatory of Dramatic Arts and I’m a former actor who once moonlighted as a stand-up comedian. John Engel - John Engel is a consistently top-producing agent in Fairfield County, Connecticut. John recently won the 2019 Realtor of the Year Award in New Canaan where he is currently the Chairman of the Town Council. Before going into real estate he was the founder of two successful internet businesses, Paper.com and e-Media for which he won the prestigious Entrepreneur of the Year Award. John spent his earliest years in Stuyvesant Town (before it was cool) and finished his growing up in New Canaan before attending Davidson College in North Carolina. After graduating, he served as an officer in the U.S. Army and led a military intelligence platoon on the front lines of the

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