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2020 Hurricane Season: Are You Prepared?

Hurricanes are capable of producing winds in excess of 155 miles per hour and causing catastrophic damage to coastlines and several hundred miles inland. Additionally, hurricanes can also lead to storm surges along the coast and cause extensive damage from heavy rainfall.


  FEMA FLOOD ZONE DESIGNATIONS & EXPLANATIONS Annual Probability of Flooding of 1% or greater A Subject to 100-year flood. Base flood elevation undetermined. AE or A1-A30 Both AE and A1-A30 represent areas subject to 100-year flood with base flood elevation determined. AH Subject to 100-year shallow flooding (usually areas of poundings) with average depth […]


ACTUAL CASH VALUE (ACV):  A method of determining value for a loss by taking its replacement value less depreciation.  The term also refers to a type of policy that pays its claims in this fashion. ADDITIONAL INSURED:  A person or entity added to a business policy for purposes of coverage.  This may be a temporary […]

Saying “I do” Changes Everything

My daughter, Leslie, recently married a nice young man named Clifton. (I call him “Chester,” but that story is for another day!) I had the honor and thrill to walk Leslie down the aisle and when I did that I wore the same U.S. Army Dress Blue uniform that I wore 32 years ago when […]

Leased Vehicles -Liability Limits Required

When someone leases a vehicle from a company such as Ford Motor Credit or GMAC, the leasing company (lessor) generally requires the person leasing the vehicle (lessee) to maintain higher limits of liability coverage. If certain limits of liability are maintained by the lessee then the leasing company is not considered to be the owner […]

Use of credit reports and credit scores by insurers.

(1) The purpose of this section is to regulate and limit the use of credit reports and credit scores by insurers for underwriting and rating purposes. This section applies only to personal lines motor vehicle insurance and personal lines residential insurance, which includes homeowners, mobile home owners’ dwelling, tenants, condominium unit owners, cooperative unit owners, […]


Ever wonder why you pay hundreds of dollars more for your home insurance than someone you know across town who owns a home you feel is very similar to yours?  Here are a few of the factors that make up the way premiums are influenced and why they vary so much from home to home…. […]


Hurricanes, tornadoes, and other high wind storms are among the most destructive natural disasters that affect the United States on a regular basis. In recent years, some of these storms have caused record losses. The National Weather Service and the National Oceanic & Atmospheric Administration (NOAA) recommend families to have a disaster plan, including hurricane […]

Sinkhole vs. Catastrophic Ground Cover Collapse

Sinkhole vs. Catastrophic Ground Cover Collapse Recent legislation (the first 2007 special legislative session) changed the landscape of insurance relating to sinkhole coverage for property policies of admitted carriers. Before looking at the changes though, it’s important to take a quick look back in history to see “how it used to be.” Prior to the […]

Need for Renters Insurance

If you do not own the place where you live, you need renters insurance. Renters insurance is like homeowners insurance – only it is for renters. This insurance will help you replace items that are damaged or stolen. The liability insurance included in the policy will help protect your assets and savings. Up to a […]