Juan M. Valdez Real Estate & Risk

Juan M. Valdez Real Estate & Risk Helping homeowners and investors build and protect real estate assets. Licensed in 18 states. Florida based, national reach. Protect What You Build.

Property insurance and real estate strategy.

04/26/2026

No todos los ADUs se manejan igual… y esta parte es más importante de lo que parece. ⚠️

Y esto es algo que los agentes deben preguntar desde el inicio.

¿El ADU está permitido o no permitido?

Porque desde el punto de vista del seguro… cambia todo.

Un ADU permitido es más fácil de asegurar y valorar correctamente.

Uno no permitido puede causar:

- Limitaciones de cobertura
- Problemas en reclamos
- O incluso negaciones

Aquí es donde los problemas aparecen si no se revisa a tiempo.

Yo ayudo a manejar esto en varios estados, incluyendo California.

📞 Llama o texto: 407-374-5495
🔗 Link en bio para una revisión rápida





04/26/2026

Permitted vs Non-Permitted

Not all ADUs are treated the same… and this part matters more than people think. ⚠️

And realtors should be asking this early.

Is the ADU permitted or non-permitted?

Because from an insurance standpoint… that changes everything.

A permitted ADU is typically easier to insure and properly value.

A non-permitted ADU can create:
-Coverage limitations
-Claim issues
-Or even denials in certain situations

This is where deals can get tricky if it’s not addressed upfront.

I help clients navigate this across multiple states, including California.

📞 Call/Text: 407-374-5495
🔗 Link in bio for a quick review





04/25/2026

Probablemente has escuchado el término ADU… pero ¿qué significa realmente? 🏡

Y esto es algo que todo agente y propietario debe entender.

ADU significa Unidad de Vivienda Accesoria.

Es un espacio adicional en la misma propiedad de la casa principal.

Puede ser:
- Un garaje convertido
- Una unidad separada
- O incluso un espacio dentro de la casa

Muchas personas usan los ADUs para generar ingresos, para familia, o como espacio adicional.

Pero aquí está lo que muchos no saben…
Desde el punto de vista del seguro, cambia cómo debe cubrirse la propiedad.

Si estás trabajando con un ADU, es importante estructurarlo correctamente.

📞 Llama o texto: 407-374-5495
🔗 Link en bio para una revisión rápida





04/25/2026

What is an ADU?

You’ve probably heard the term ADU… but what is it exactly? 🏡

And this is something every realtor and homeowner should understand.

An ADU stands for Accessory Dwelling Unit.
It’s a secondary living space on the same property as the main home.

This could be:
- A converted garage
- A detached unit
- Or even a space within the home

A lot of people use ADUs for rental income, family, or extra living space.

But here’s what most don’t realize…
From an insurance standpoint, it changes how the property should be covered.

If you’re dealing with an ADU, making sure it’s structured correctly matters.

📞 Call/Text: 407-374-5495
🔗 Link in bio for a quick review





04/24/2026

Most people think liability claims are rare… until they see the numbers. 💸

And this is something every realtor should understand.

When a liability claim happens, it’s not just about the incident…

It’s about medical costs, legal fees, and potential lawsuits ⚖️

And those numbers can add up fast.
If the coverage isn’t high enough, your client could be responsible for the difference out of pocket.

That means savings, assets, even future income could be at risk.

This is why liability coverage isn’t just a checkbox… it’s real protection.

If you want to make sure your client is properly covered, I can take a quick look.

📞 Call/Text: 407-374-5495
🔗 Link in bio for a quick review





04/23/2026

Why $100K Isn’t Enough

A lot of homeowners have $100,000 in liability coverage… and think they’re fine.

They’re not. ⚠️

And this is something realtors should be paying attention to.

If there’s a serious claim…

Medical bills, legal fees, settlements…
$100K goes fast.

That’s why increasing liability to $300K or $500K is one of the easiest ways to strengthen a policy 💡

And most of the time… it barely changes the premium. And when I mean barely, I’ve seen it change by about $20 on the overall yearly premium.

Please keep in mind, at the end of the day it’s up to the owner to feel confident, secure and educated on whichever policy they thinks is best for them 😊

It’s one of the simplest upgrades that makes a big difference.

If you ever want a second set of eyes on a policy, I’ve got you.

📞 Call/Text: 407-374-5495
🔗 Link in bio for a quick review





04/22/2026

What Personal Liability Actually Covers

Most homeowners think their insurance only covers the house… it doesn’t. 🏠

And this is something every realtor should be aware of.

There’s something called personal liability coverage.

This protects your client if they’re held responsible for injury or property damage…

both at the home and away from it.

So think:

- Someone slips and falls at the house
- A dog bite 🐕
- Or even something that happens outside the home

That’s where this coverage steps in.

And most people are underinsured without even realizing it.

If you want to make sure your client is properly protected, I can take a quick look.

📞 Call/Text: 407-374-5495
🔗 Link in bio for a quick review





04/21/2026

Most people focus on getting builders risk… but they don’t think about what happens after.

And this is where gaps happen.

Builders risk is temporary.

It ends when construction is completed or the property becomes occupied.

At that point, you need to move into the right long-term coverage…

Whether that’s a homeowners policy, landlord policy, or something more specific to the investment.

If that transition isn’t handled correctly, you can end up with a gap right after the project is done.

And that’s a risk most people don’t see coming.

If you’re building, flipping, or working with clients doing construction, I can help make sure that transition is clean.

📞 Call/Text: 407-374-5495
🔗 Link in bio for a quick review





04/20/2026

Vacancy + Construction Risk

If a property is vacant and under construction… your risk just went up.

And this is something realtors and investors should pay attention to.

Vacant properties already carry more risk…

Now add construction, materials, and multiple people coming in and out.
That combination changes everything.
Most standard policies aren’t designed for that phase.

So if something happens, this is where gaps can show up.
Builders risk is meant for this stage, but it has to be set up correctly.

If you’re working with a vacant
property that’s being renovated or flipped, this is a conversation worth having early.
If you ever need help structuring this the right way, I’ve got you.

📞 Call/Text: 407-374-5495
🔗 Link in bio for a quick review





04/19/2026

Real estate + insurance content… but make it real life 😂

Tried to record a serious video about builders risk…

and completely lost it halfway through 🤦‍♂️
Meanwhile my wife in the background… just going with it 💃😂

This is what happens behind the scenes.
Don’t worry, the clean version is coming next 😅

But hey… if you’re building, flipping, or renovating,

just know the coverage still matters… even if I can’t keep it together for 30 seconds 😆

📞 Call/Text: 407-374-5495
🔗 Link in bio for a quick review





Address

Kissimmee, FL

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+14074606011

Website

https://thisisyourdreamhome.com/

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