After a loved one passesOrange · Seminole · Osceola
First Light helps families in Central Florida navigate what comes after a loss, starting with the home and the first sixty days. If you need one, we refer you to vetted, highly rated attorneys or Realtors in our network, with your permission.
I'm new to this process, can you help?
Our deepest condolences. Yes we can.
Is this about a loved one's home in Orange, Seminole or Osceola county?
You don't have to call. Most families start with a text.
Wednesday to Saturday, 8am to 7pm.Text any time.Sundays are reserved for in-person appointments.
The first sixty days
This is the list we wish someone had handed our own families. Laid out by when each one tends to matter.
Forward it now. Bills, tax notices and the insurer's own letters all go to the house.
Social Security, the mortgage or reverse-mortgage servicer (it has its own timeline), and the HOA if there is one.
Most policies stop covering a home that has been empty for 30 to 60 days. Ask the insurer about a vacancy endorsement.
Keep the power and water on. A closed-up Central Florida house without air conditioning grows mold in a single summer.
It ends with the owner. The following year's bill is often much higher than the family expects.
A note in the margin
If you are not sure what applies to you, send us a message.
None of it requires deciding anything about the home yet.
Three paths
A member of the family continues to maintain & live in the home or rent it
Watch for: one sibling living there rent-free while the others wait.
Usually highest net value over 90+ days
Watch for: the insurer's rules on work in a vacant home.
One Buyer · No Showings · Fair Value · At your pace
Less costly than a full listing, more certainty.
We don't push any of the three. When you're ready, we'll ask for permission to introduce you to a vetted, highly rated Realtor or Attorney in our network if the estate needs one.
The attorney
Attorney fees are covered up front with a signed listing agreement from our Realtor network or a Purchase Agreement, conditions apply. That keeps the money with your family for the funeral and the arrangements.
The attorney is independent and of your choosing. With your permission, we can refer you to vetted, highly rated attorneys in our network, and we have no say in their advice.
If we have written to you: we read your loved one's published obituary and the county's public property records. Nothing private. If you would rather we did not keep your address, tell us and we will remove it from our own records the same day. We cannot change county, state or other public records.
Most policies stop covering a home that has been empty for 30 to 60 days. Call the insurer and ask about a vacancy endorsement.
No. Families are free to pick any of the three: keep, list, or sell as-is.
We help families navigate what comes after a loved one passes, starting with the home.
From your loved one's published obituary and the county's public property records. Ask and we remove it from our own records the same day. We cannot change county, state or other public records.
Whenever you're ready
321.344.0131 Calls Wednesday to Saturday, 8am to 7pm.Sundays are reserved for in-person appointments.Text any time or email:[email protected]
First Light