I am licensed STATE CERTIFIED GENERAL REAL ESTATE APPRAISER with over 40 years of total appraisal experience. My experience includes the appraisal of all types of commercial and residential properties. In addition to this I have been completing “Replacement Cost Valuations” for insurance purposes in Florida since 2006 or over the past 17 years. My reports are clear and concise and have been utilized by all national insurance companies underwriting insurance in the State of Florida including the Citizens Property Insurance Corporation, which is the Florida Insurer of last resort. As you know Citizens Insurance Corporation was created specifically to provide insurance for buildings in the state where no other insurer would underwrite. My reports have been accepted by Citizens since we provide Replacement Cost Valuations utilizing The Marshall & Swift “Commercial Estimator” program. This program is the only one accepted by Citizens for condominiums and any other properties in the State of Florida.