Concierge Insurance.
From Start to Claim™
Learn insurance one short video at a time. These lessons explain common coverage questions, policy terms, claims situations, and practical ways to protect your home, autos, business, and family.
When a loss is caused by some other party who is responsible, a loss can still be paid by your insurance carrier for swiftness. They then submit for reimbursement for the losses paid from the liable parties’ insurance carrier.
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Medical Payments Coverage, or medical Expense Payments, can help pay for out-of-pocket costs for you and or your passengers for injuries from an auto incident. This can come in handy if you do not have health insurance, or if you do, it may help with the deductible.
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An underwriter is the person in charge of accepting a risk. Behind every insurance policy, there is an underwriter that had to say yes to the policy and found the exposure to be within their risk tolerances. The term underwriter came from the early days of shipping, specifically in London england. Voyages to new worlds were expensive, so captains sometimes needed to look for investors. The captain would display a manifest in a public place, like the coffee shop run by a gentleman named Lloyd, and investors would assess the risks of the voyage. If they were okay with the risk, they would write their name literally under the voyage on the manifest to share in the cost of the voyage. In case of disaster, they would be out their investment. But if the voyage was a success, they would also share the rewards! These investors became known as Underwriters.
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Medical transport that is not for emergency situations is called Non-Emergency Medical Transport, or NEMT. Generally using private passenger vehicles, they must be registered and insured properly in order to have passengers for hire. These must be insured on a specific policy and can not be insured on a normal personal auto policy.
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What are the two basic types of life insurance? Permanent and term. Permanent means it lasts your whole life, and term last a portion of your life. Permanent policies usually build up cash value, and term policies don't. Most of the time people buy term insurance because they can get 4 or 5 x more death benefit for less money.
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A deductible is the amount deducted from any covered loss payment by an insurance company. Higher deductibles typically result in a lower premium.
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If you are getting a roof replacement through an insurance claim, you're going to be receiving an estimate from the insurance company. Now, a term that is typically used during a roof replacement is R&R and DNR. DNR means detach and reset. That means that you'll be receiving the same, material that was previously on there. Typically, this applies to vents on a roof because there isn't enough significant damage to warrant a replacement. If there is a replacement, you're going to see something called R&R. That means remove and replace. Therefore, the contractor is going to take that off and replace it with a brand new, item.
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If you have Jewelry, Watches, guns or furs that would cause you heartache if they disappeared, you need to schedule them. This means that they would be specifically listed on your policy and a premium charged. This ensures that they are covered for much more than they would be on an unchanged home policy.
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Cash value is the amount of money you have access to in a permanent life insurance product like Whole Life or Universal Life. The cash value in an insurance policy is designed to equal the death benefit of the policy at the maturity date, typically from age 95-120.
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What is the difference between the two types of Beneficiaries?
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If a Youthful on your policy is also a full-time student and has a 3.0 grade point average or better, that driver may qualify for a possibly sizeable discount. Other ways to qualify are being on the honor role, or if that student is in the top 20% of their class.
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Disability is a policy that will help pay you a salary if you go out of work for a sickness or an off the job injury. Disability insurance helps protect your ability to earn a salary. Your PTO eventually ends and won't replenish for a year. Who pays you after that?
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Premium is generally paid in advance for insurance. Earne premium is the premium that was needed to pay for the insurance up until a certain pint, such as a cancelation or renewal. If a policy is terminated halfway through the period, half the premium was earned unless an audit or endorsement results in additional earned premium.
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Generally referring to a personal physical injury, bodily injury to others is covered up to the limit for Bodily Injury, or BI, on your automobile insurance policy. Usually represented by two numbers, such as 30/60, the first is the limit, in thousands of dollars, per-person in the accident and the second is the max limit for all injuries for that same accident. Higher limits can be purchased into the millions of dollars.
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Imagine you have a money machine in the basement. If that machine stopped working, would you fix it? What if it took you a month or two to finally get it up and running again. By this point, you are a couple of months behind on your bills. Now imagine the money machine is you. If you have down time due to a sickness or injury you may want to consider getting disability insurance to protect your ability to earn a living. Most companies give 1 or 2 weeks for sick time, but after that you're on your own. If you want to know more about this, Give us a call.
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Some life insurance policies may require a Paramedical Exam. This is an in-person examination by a health professional that will draw blood and urine, take your height and weight and ask a variety of health questions. It is usually a quick process and will enable the insurance company to accurately underwriter you.
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A whole life insurance policy is designed to cover the insured's entire life. As long as you pay the premiums the policy will be in force up until you pass away, or the policy matures, usually at age 95-120. This policy can build cash value that the policyowner may access via loan or surrender.
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SIP or session Initiation protocol is a communication protocol used in VoIP phone systems. It establishes, modifies and terminates voice, video and messaging in real time over the internet. SIP enables users to seamlessly connect with others across various devices and networks, making it a fundamental component of modern telecommunications and collaboration systems.
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If your home has a pool, you can still have a traditional policy. However, you need to have a complete four foot fence and self-latching gate to keep the unsupervised young ones out. Ask your agent for more details.
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A?buy?and sell agreement is a legally binding contract that stipulates how a partner's share of a business may be reassigned if that partner dies or otherwise leaves the business. Most often, the buy and sell agreement will spell out how the shares need to be sold to the remaining partners or to the partnership. This can either be funded by the business or by a life insurance policy.
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An occurrence is one event that leads to a loss. A car accident. House fire, Busted water line, cracked window. These are all example of an occurrence.
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What if you want the coverage to last your whole life instead of just a part of it? Does that mean you have to go back to square one and get a new policy? Not necessarily. Term life insurance policies typically offer an option to convert them into permanent life insurance policies. Making the switch is easy, but deciding whether or not it's the right move is not always that simple.
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Crawl space encapsulation is the process of sealing a crawl space from the outside using a thick, overlapping polyethylene plastic barrier on the walls and floors. The purpose of encapsulation is to prevent leaks, mold, pest infestations, and humidity, and turn a damp space into a dry one.
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Mold is a superficial often woolly growth produced especially on damp or decaying organic matter or on living organisms by a fungus. Mold only needs two basic ingredients to flourish, which is moisture and a favorable temperature. Most molds can't grow below 40° F, but they grow best at 77°-86° F, especially in humid conditions. Different types of mold have different minimum and maximum temperature ranges for growth. For example, some molds can grow at temperatures close to freezing, while others can grow in temperatures between 60-80° F
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That $1,000 Apple watch on your wrist? It’s covered just like your couch. You are not going to lose the couch on a morning run. You are not going to drop the couch in the river. It’s actually got a little less coverage that your couch to be honest. If your $5,000 leather sofa gets stolen, you are going to be alright (minus deductible of course). Now let’s say the $8,000 Rolex that your grandfather left to you gets stolen. On a normal home policy, you may only get $2,500 as there are maximum limits for watches! This is why you want to schedule your watches, jewelry, guns and furs so that your prized belongings are covered the way they should be.
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What is Loss of Use coverage on a Personal Auto Policy.
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If an insured passes away the money that is paid out to the beneficiary is called a Death Benefit. This amount is usually the amount that was purchased when it was first taken out. This amount could be more or less depending on whether or not any loans or dividends were taken or received.
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What are high impact resistant shingles? Typically, these are known as IR4 shingles. They're built to withstand hail damage more than the average shingle. The way they do this is they test them using a process called a class for UL 2218 impact test. Essentially, they're going to drop a metal ball about the size of a golf ball 20ft in the air under these shingles. Now a normal shingle is going to break under that. However, these IR4 shingles withstand it. And that's how they pass the test.
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Marine is a term for coverage that covers things that move, which can be over the ocean. Inland marine is for things that move over land. If it moves from place to place, it may not be covered properly or at all under a typical home or business policy. Inland marine coverage can be a good way to insure jewelry, tools or anything valuable that leaves your home or business.
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If a covered homeowner insurance loss stops you from being able to reside in your home, your policy may be able to pay the extras costs associated with temporary housing. Additional Living expense, sometimes called loss of use, can pay for most additional expenses that result from you not being able to reside in the home while the claim is being settled. This may include hotel stays or rental in a temporary home.
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Did you know you can buy a life insurance policy on the life of someone else? If you have an insurable interest in someone, you can ensure their life with their permission, of course. For example, you may purchase and own a policy on your spouse because if they were to pass away, your life might be drastically different financially. Business hours can also purchase life insurance on important employees. This is called key person policy.
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The finance company or bank that holds the title of the vehicle you own and collects payments is called the lien holder. It is important to list them on the insurance policy so they can be paid in case of any loss to the vehicle they have insurable interest in.
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Some violations have more weight than your typical speeding ticket. DUIs, reckless Driving and other generally major offenses are treated differently by insurance companies. Major violations will cost you much more, but only if they are allowed by your policy. Some insurance carriers will not insure drivers with a major violation in the past 5 years!
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An FSP or Full Service Partner means that you design, sell, install and support the product you are selling. A Reseller on the other hand is one who sells a product, receives a commission and the end user or Client deals directly with the company itself. I recommend choosing a FSP.
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Chris Leitch with Springer Insurance explains the difference between Term and Permanant Life insurance in Springer University Course LIFE 207
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Water damage is any damage to a property or its contents caused by water intrusion? It can range from minor discoloration to significant structural damage. Water damage can be caused by plumbing issues such as burst pipes, toilets that don't drain properly. Refrigerators that don't drain properly. Washing machines that don't drain properly or Hvac systems that don't drain properly. AC
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You can port, or transfer your current business phone number directly into your hosted voip system and you can also port numbers from cell phone providers. The time it takes to port a number varies from carrier to carrier, however, typically it's 5 to 10 business days.
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These companies will also have traditional types of life insurance where there is no wait for sickness death. But if their customers don't qualify based on their health or lifestyle, they can always sign up for a graded death benefit. You can't be turned down, and you've heard that on the TV for a guaranteed issue life insurance policy. So it can be a good fit if you're in very poor health and you wouldn't qualify for any other life insurance. But be aware of how these things work.
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HB 1270. The Virginia Consumer Protection Act goes into effect on July 1st, 2024, and requires professional motor mediators to have certification from the Institute of Inspection, Cleaning and Restoration certification, the ICRC. This means that it is illegal to sell or offer mold remediation services for residential dwellings without the certification.
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The importance or lack of importance for roof age. Now, it's often common for people to, assume that the roof is in good condition because they received, word that their roof had a certain life span. However, that's not always going to be the case, especially depending on your environment, depending on whether heat, storms and other factors from the environment that can drastically impact the life span of your roof. On top of that, depending on the age of your roof, that may impact your availability for coverage under an insurance claim.
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If your home has a trampoline, most carriers will require it to be securely attached to the ground and it must also have a complete net with locking mechanism to keep those unsupervised kids out.
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If you drive for Uber Lyft, Doordash or any other delivery service in your car, you NEED special coverage. The normal, unchanged Personal Auto policy will not cover you the way you think it will. Call us first!
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The death benefit of a decreasing term policy with decrease over the life of the policy. However, your payments will stay the same. These types of policies may be a good idea to cover a mortgage or other loan.
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Another financial responsibility filing is designed specifically for Driving under the influence is called an FR-44. Like the SR-22, the FR-44 requires you to maintain coverage and the filing for a pre-determined period but also double the state’s required limits of liability.
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A lapse is when a policy stops and has a gap in coverage. A lapse can be a little as one day and can have impact on your license or mortgage depending on the type of policy and situation.
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Certain coverages will cover Named Perils, or a list of things that can cause a loss. Most commonly the things you own in your home are covered for loss from Named Perils. This means, if the items sustain loss, it may be covered only if the peril was listed on the policy.
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A non-renewal is when a policy is involuntarily canceled at renewal. If an insurance company no longer wishes to insure a risk, it will notify the insured well in advance of the expected renewal so they may find alternative coverage. This can be for many reasons such as underwriting issues or carrier appetite.
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Any structure on a residential property, other than the primary dwelling, is usually considered an Other Structure. While they will have a separate defined limit of coverage, they are still covered for the same perils as the main house. Because of the broad coverage, they must meet the same eligibility guidelines as the primary home.
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Insurance per-mile is a new way to determine premium for your auto insurance. Typically measured via your smart phone or installed telematics device, your driving is reported back to your insurance company and a new premium is calculated every month. This can mean a lower rate for safe driving and fewer miles, however, the more you drive and also HOW you drive can increase your rates.
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A personal umbrella liability policy, sometimes called a PUP or a PUL, is a policy that increases the liability limits of the underlying policies, usually the home and autos. This is a way to purchase limits more than what your auto policy or home policy can offer. Umbrella policies are typically in the range of 1-5 million but can go as high as needed for an appropriate premium.
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Voice over Internet protocol or VoIP? Converts analog audio signals into digital data packets which are transmitted over IP networks such as the Internet. VoIP enables cost effective and efficient communication by leveraging existing internet infrastructure, eliminating the need for dedicated phone lines.
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It is so important to name a beneficiary to receive the death benefit of a life insurance policy. If you don't, the money will go back to your estate and the people and entities you owe money to can collect before it’s passed down to the heirs. It's best not to leave the benefit to a minor because they won’t be able to directly collect until after their 18 th birthday. Instead you can name someone you 'trust' to manage the children’s affairs. If you don't know who your beneficiaries are or they are younger than 18, you might want to do a little housekeeping to make sure you are 'good to go'.
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Key?person insurance is a life insurance policy that a company buys on the life of a top executive or another critical individual. This type of insurance is needed if that person's death would be devastating to the future of the company. These policies are often times placed on the owners of the business.
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Why that's good for your shingles is this will allow a cooling process in your attic. So it doesn't get quite as hot when the shingles get baked from above and below. That can wear on them, and they end up becoming more brittle because they're taking heat from two sides. However, when you have a solar attic breeze that ensures your attic has proper air ventilation, those undersides of the shingles stay cooler. Therefore, they keep their integrity and can absorb impact better.
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Disability insurance pays you a portion of your income if you are too sick or injured to work. Some employers will offer this in addition to Paid Time off to help pad or supplement an employee’s salary. This coverage can provide you and your loved ones with more financial protection to pay bills and cover everyday expenses. 
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No, you can use a virtual phone system to make calls, video conferencing, messaging, and access admin features directly on your computer or mobile device – no special phone hardware is necessary.
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If you miss a payment on your life policy for some reason, the insurance company will give you extra time to pay your bills to keep the integrity of your policy. Once the grace period is over, then you're in a reinstatement phase of your policy, and rules apply to getting your coverage back. You might not even be able to get it back, so go take a look at the reinstatement video that we just did after this, or give us a call and we can go over it. Can't wait to hear from you.
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This is why it's so important to make sure that your contractor is licensed when you're getting a roof replacement. Believe it or not, in the state of Texas is not required to have a license to put a roof on. However, there is a licensing program called AKA the Roofing Contractors Association of Texas. They provide testing and training to ensure that if you go through their licensing program, you're qualified to do the job. So remember, next time you're talking to a contractor about getting your roof replaced. Ask them, are you licensed? And ask for a website to reference it.
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Buying life insurance outside of work can be a great idea.
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Reinstatement is the restoration of a person or thing to a former position regarding insurance. Reinstatement allows a previously terminated policy to resume effective coverage. In the case of nonpayment, the insurer may require evidence of eligibility, such as an updated medical examination for life insurance and a full payment of outstanding premiums. The insurer would be advised not to let nonpayment happen after having their policy reinstated. Sometimes you might miss a payment on your life insurance policy switching banks, getting lost in the mail you know, bills getting lost in the mail or financial hardships are usually the cause of this situation. A reinstatement usually require an insurer to answer health questions to see if the life insurance company will even take them back. So when the insurance company sends you this missed payment on your policy, or it's going to lapse letter, you need to take note and get that money to them.
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Minor violations are traffic violations, that while not severe, will still have a negative impact on your insurance rates. They may include Following To Closely, Fail to yield, Running Stop light or stop sign, none of which lead to an accident, and Speeding tickets. If the speed is too great, it may become a Reckless driving which is considered a major violation!
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Simply put, the difference between on-premise vs cloud software is the location. On-premise software is installed and runs on a company's own hardware infrastructure, and is hosted locally, whereas cloud software is stored and managed on the provider's servers, and accessed through a web browser or other interface.
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A loss is an amount of money lost by someone or something. Insurance can indemnify a person or entity for losses that meet certain criteria. If you suffer a loss, you can then claim that loss to your insurance provider to see if it is covered under the policy and make you whole again.
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Its portable - meaning it stays with you if you change jobs. Higher Coverage amounts may be available for individual policies. You can customize the policy with riders, such as for your spouse or children.
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A policy period is the time the coverage is in effect. Typically starting at 12:01 am on the date on the policy declarations page and ending on 12:01 am on the end date. Most policies are 12 months however some auto policies can be only six months.
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A flood zone and not the Dance Club, is a geographic zone determined by FEMA, or the Federal Emergency Management Agency. The Zones are used to determine rates for insurance premiums that are based on the potential severity of floods in each area.
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What is overlay? Overlay is when a roofer puts a new roof on top of an old roof. This is bad. this is very bad for the structure of the house, because you have added weight that is not accounted for when the house is built. But along with that, it provides a plethora of other issues in terms of fire hazard safety as well as issues with ventilation.
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Leaving your estate to someone will most likely end up in a taxable event, reducing the estate value and putting a burden on your heirs. Life insurance death benefits
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Here are some different types of ventilation for your roof that you should definitely consider looking into. one of the most common and effective is called Ridge. Then that's going to be a vent that goes along the very top peak of your roof. Those are great because they're at the highest point. Heat travels up. Therefore it's going to allow optimal cooling. The only thing better than that is a solar attic breeze. There's also your standard turtle events or box vents, which typically come out the sides of a roof to allow proper ventilation. Now, if you have a metal roof, you're not going to require as much ventilation as you would for a shingle, but it's still recommended.
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There are various types of roofs you can get for your home. we'll start with the shingles. There's three tab, which is your basic stock shingles. There's architectural or composition, which is going to be your medium to higher tier shingles in terms of lifespan and durability. And there's impact. High impact shingles or air force shingles. Those are, built to withstand the heaviest of weathers for shingles. They typically have about the same strength as a metal roof. Metal is one of the most durable types of roofs. You also have, slate roofs and ceramic clay tile roofs, as well as wooden shingle roofs, as well.
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