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223 Citrus Tower Blvd <br />Clermont, Florida 34711 <br />(352) 241-4678 ext 304 <br />Fax(352)432-5965 <br />www.damicoinsurance.com <br />November 4, 2020 <br />To Whom This May Concern, <br />Andrea D'Arnico <br />Agent/Owner <br />andrea@damicoinsurance.com <br />My husband, Steve, and I have owned an independent insurance agency since 2003 in Clermont, Florida. <br />We sell most any insurance product — home, auto, any type of commercial, life, boat and recreational <br />vehicle, vacant, renter's — most anything that would be insurable. Our Agency represents over 40 <br />companies with which to better service our Clients and are extremely 'up-to-date' on most insurance <br />products. <br />When a Client is purchasing a new homeowner's insurance policy, an application of insurance must be <br />completed and sent in, and then be accepted by the desired company. One of the questions on this <br />application asks if the intended property is within a certain distance of a commercial property. If this <br />question is answered with a 'yes', the application will be declined, as this poses an unacceptable risk to <br />the company. <br />To test the validity of this statement, I contacted an underwriter from the largest insurer of homes in <br />Florida — Tower Hill Insurance Group. I used the home of our Client, Ron Celli, as the property, and asked <br />the underwriter if there were any type of commercial property located next to this home — even the <br />concrete pad of that commercial property — would Tower Hill accept this risk. The Underwriter then <br />placed me on a long hold while she investigated the property and consulted with the head of the <br />underwriting department. She came back and said, "no, I am sorry, this would not be accepted by Tower <br />Hill. Being next to any commercial property is a risk that is not acceptable — especially in this difficult <br />insurance environment". <br />Having a commercial building or parking lot next to the subdivision in question, would most likely mean <br />most of the homes next to this property would find it difficult to impossible to find a homeowner's <br />insurance policy for their homes. <br />Thank You, <br />1 w6zed V 40t&a <br />Andrea D'Amico <br />Owner/Agent <br />"The greatest compliment we can receive is a referral from our friends and clients." <br />