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What is A Windstorm Mitigation Inspection?

One of the first things we ask our clients when we do a Homeowners quote is if they have a Windstorm Mitigation Inspection report. This is not a Inspection report for buying a house or an appraisal. It is a laser focused inspection report that the State and Department of Insurance have created that give … Continued

Am I Insured if I use my Car for Uber or Lyft?

The last few years have seen a giant proliferation of people who are augmententing their income by using their cars in conjuction with Uber and Lyft. These are ride sharing programs that allow customers to download an application and order a car to pick them up and take them to a desired location. In the … Continued

Why Did My Rate Go Up?

One of the most asked questions for sure that we are presented with on an almost daily basis. First things first, as agents we have nothing to do with rate increases or decreases. People with a lot higher pay scale who work for the company decide these issues with the help of actuarials locked in … Continued

What is a Public Adjuster?

Since the rash of hurricanes that blew through the state 10 years ago, public adjusters have become a more prominent alternative for policyholders who are dissatisfied with their claim results. Basically a public adjuster who is experienced in detailing with insurance companies and insurance policies and tries to dissect and interpret the policy in your … Continued

When Should I Put in An Insurance Claim Part 2

After auto the most common claims are made under Homeowners Policies. Since  Hurricane Andrew in 1992 the whole underwriting and claims coverages have changed dramatically.(BTW that was my first year being an agent..what a welcome to the business)So a little background first. Before Andrew every major Insurance company was falling over each other writing package … Continued

When Should I Put in an Insurance Claim? Part One

The true test of any Insurance Company or policy comes when it is time to file a claim. It’s then that most people realize what exactly it is they are covered for. As agents we try to prevent claims issues before the fact by reviewing the insureds current coverages and suggesting additions or changes. Unfortunately … Continued

What Does Credit Have to do with my Insurance Rate?

Back in the Dark Ages of the 1990’s when I first started in this business,credit scoring for auto insurance policies was a new and controversial issues. A lot of people would refuse to give up their Social Security Number for a quote on insurance based on fears of hits against their credit and invasion of … Continued

Am I Covered When I Rent a Car?

This is one of the most common questions we get asked when someone is renting a car. As long as you are renting a car in the Continental United States , the coverage you have on your own personal auto policy will transfer to that vehicle. So far example if you have Liability Limits of … Continued

The Mystery of Flood Insurance

One of the most common questions we get asked is if or why someone needs flood insurance. For background,the flood insurance program is run through the Federal Government. They make the rules and rates.Through their maps they determine which areas are and are not in flood zones.If you are in a flood zone the rate … Continued

Do I Really Need an Insurance Agent?

With the growth and popularity of direct writing companies the demise of the local insurance agent has been predicted for years. I can’t count the number of times that someone has come in with a policy from a direct writer and had no idea what they were covered for. When a consumer is price driven … Continued