Three is Company, Four is… Uninsurable?

Three is Company, Four is… Uninsurable?

Step into the way-back machine (not so way back for some of us). Remember this late 70s/early 80s sitcom theme song? Come and knock on our door… We’ve been waiting for you… Three’s company, too! Three single roommates share an apartment in California and the wily...
What’s “Lapse” Got to Do With it?

What’s “Lapse” Got to Do With it?

Lapses in property insurance coverage are like the common cold. They happen frequently enough that we treat them like innocuous, routine occurrences. Properties are purchased in cash and the buyer isn’t required to have insurance immediately; payments get missed;...
Life Cycle of a House

Life Cycle of a House

Every home goes through a life cycle.  As homes approach 15 to 20 years old – the “terrible teens” – most building components and appliances reach the end of their useful life and will eventually fail: In our climate, shingles and tiles often don’t last as...
Insuring To Value

Insuring To Value

I remember the moment clearly.  Hurricane Jeanne had just walloped Florida with its fourth hurricane of the 2004 season.  I spent over four hours in the muggy summer heat measuring and scoping damage to a home that two 50 foot pine trees had fallen on and split in...
The Power of E-Mail Marketing

The Power of E-Mail Marketing

Historically, the small to mid-size insurance agents have relied on traditional direct mail (‘paper mail’) as the CRM arm of their marketing efforts. Many still do, successfully. But a growing number of companies are quickly experiencing the ROI and...