Flood Insurance — A Necessary Conversation

You’ve likely seen the devastation on news reports and through social media. Hurricane Harvey and Irma both took a heavy, damaging toll on homes and businesses throughout the areas the hurricanes hit….and other hurricanes are following. Massive flooding is affecting many cities, and the dollar amounts will soon start rolling in as to the monetary impact these hurricanes had and will continue to have for the foreseeable future. Recently, the deadline for the National Flood Insurance Program … [Read more...]

Avoiding Issues ‘Down the Road’

While behind the wheel, how often do you see other drivers talking on, texting on, or checking their phones? Moment of honesty — how often do you do it yourself? It’s a pretty big problem…in fact, so big that 46 states have banned the use of texting while driving. According to the Official U.S. Government Website for Distracted Driving, at any given moment during daylight hours, over 660,000 vehicles are being driven by someone using a hand-held cell phone. That’s a scary statistic, isn’t it? … [Read more...]

Soft as a Baby’s Bottom

This is what comes to my mind when describing the market right now. Sorry — you’re probably not going to get that mental picture out of your head any time soon. But it’s a good way to remember the topic! Currently, we’re in a very soft market. The reason? Since there haven’t been any catastrophic losses (for example: major floods, hurricanes, or wildfires), there’s plenty of surplus in the marketplace. If you’ve never been through a soft market, you may be questioning your insurance carrier or … [Read more...]