How Your Iphone Can Save You a Bundle on Your Hamptons Summer Rental.... Plus, Answering Those Pesky Questions About Insurance in the Hamptons!!!

As Roseanne Roseanneadanna used to say, "it's always something" and that goes double for anyone who is thinking about becoming a landlord or tenant during the Hamptons rental season.    While the always informative John Viteritti recently suggested in Hamptons.com to get it in writing, the incidents of craziness somehow still manage to find themselves into both sides of the equation. Yes,

Roseanne Rosanneadanna 

the tenant who demands a refund because the toaster doesn't work on one side or the landlord who changes the locks because you've had too many house guests (yes, both are true incidents), having things in writing is really really important.   But you know there's one other thing that both sides can do to protect themselves, their wallets and their sanity; take pictures!   Yep, a simple photograph and not anything provocative that a landlord might find say in a porn movie or magazine and get upset about (yeah, that happened out here too) but rather pictures of the furniture, the rugs, the walls and of the general condition of the house.

The Summer tenant and landlords potential best friend!

It's so simple and with smart phones now taking better quality photos than ever before there is no excuse.    If you're the landlord or the tenant, go through the house from top to bottom and make sure you show the sofa stain that was or wasn't there.    Show the rug that has the coffee stain or that was just freshly cleaned.  In other words, make sure that you document the condition of the house!   I've seen way too many fights over security deposits to name so why not take the extra half hour and get proof about the condition of the property.   In most smart phones, the photographs and videos are saved with time and date so that also eliminates any question about when potential damages happened.    So take it from me and no matter how nice your landlord or tenants seem, tell the sofa to say "cheese" and take it's picture.     You'll thank me later... its good insurance that your protected!  

Speaking of insurance, it's one of the most widely asked questions by potential buyers in the Hamptons.   In fact, Mr. Richard Failor from Fort Lee, NJ recently wrote me and asked;  Can I get insurance in the Hamptons? Will it be expensive?   Do I have to buy insurance on my house?  What about flooding?  Hey, you know what Mr. Failor, you're driving me nuts!    So rather than spending time to research and answer all of your annoying questions, I sat down with John Wiltershire who is director in the personal insurance department and private client services unit at Frank Crystal and Associates in Southampton and got him to give me the skinny on INSURANCE IN THE HAMPTONS......