Monday, March 2, 2020 Just a few inches of water can cause thousands of dollars in property damage. Unfortunately, flood damages are typically not covered under your standard homeowners insurance policy even though about 25% of all flood claims come from low-risk flood areas. READ MORE >>
Monday, January 6, 2020 When the new year arrives, it’s a great time to take a home inventory. You may have gotten a special holiday gift (jewelry, collectibles, heirlooms or firearms) that needs to be insured, redecorated your home with a new piece of art, or made other changes to your home over the past year that would all require an update to your homeowners policy. READ MORE >>
Monday, January 6, 2020 During the holiday season, we often give and receive special gifts from family and friends. If you received a high-value item such as jewelry, watches, furs, china, heirlooms, firearms, collectibles, and artwork as a gift this year, get specialty coverage for these items in case of theft or damage. READ MORE >>
Tuesday, October 29, 2019 If you have a neighbor with a dead tree, what should you do to protect yourself and your family? Obviously, make your neighbor aware of the dead tree, and find out if he/she plans to have it cut down. If they do not cut it down, send them a certified letter informing them that the tree needs to be removed. READ MORE >>
Tuesday, October 29, 2019 Are you getting all the discounts you deserve on your homeowners insurance? If your home was built before March 2002, and you have replaced your roof, you may not be getting the maximum wind mitigation credits you qualify for. I’ve saved clients from $200 to $600+ by recommending they obtain a certified wind mitigation inspection. READ MORE >>
Friday, October 11, 2019 Once upon a time, Harold had purchased his homeowners insurance online because it seemed inexpensive. This past hurricane season, a tree branch fell on Harold’s house. It damaged the shingles and punched a hole in his roof. Harold called the 1.800 number, filed a claim and was promised a visit from an adjuster right away. READ MORE >>
Friday, October 4, 2019 It’s National Fire Prevention Week, so I just want to remind you about documenting damage as a best practice if you have a claim. Sometimes homeowners call after damage to their home has already been fixed, and then they want to file a claim. It might not be covered unless you have pictures. READ MORE >>
Monday, September 9, 2019That’s right, the $500 hurricane deductible exists. Instead of 5% of the dwelling value, which on a $300,000 house will run you $15,000, you can now buy a flat $500 hurricane deductible. If $500 hurricane deductible is not going to be available to everyone, but it will be available to most. READ MORE >>
Monday, February 18, 2019 Do you ever see comments on Facebook that make you cringe but don’t actually specifically name the person that the comment is about? Jacqueline Hammond made such a post that cost her $500,000! READ MORE >>
Monday, January 14, 2019There are major differences when buying homeowners insurance from USAA, Geico, and Darr Schackow Insurance Agency. Let’s start with USAA: USAA does not write new homeowners insurance in Florida. USAA will broker it with ASI, which was bought by Progressive, and is now under the name Progressive Home. READ MORE >>
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