by Brian Hunt, AIC, CPCU | Apr 28, 2014 | Underwriting
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...
by Brian Hunt, AIC, CPCU | Apr 17, 2014 | Claims, Underwriting
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...
by Brian Hunt, AIC, CPCU | Mar 13, 2014 | Underwriting
Is the housing market crisis over? Since our industry is ancillary to real estate, we as property insurance professionals have a proverbial finger on the economy’s pulse. Some areas of the state are beginning to show signs of recovery. One indicator is that banks...
by Brian Hunt, AIC, CPCU | Jan 23, 2014 | Claims, Underwriting
Tower Hill recently empowered its appointed agents to pull CLUE loss reports as part of the application process. Three common scenarios appear on these loss histories: The client has lived at the home for several years and filed a claim for damages during that time....
by Brian Hunt, AIC, CPCU | Dec 11, 2013 | Underwriting
Ever wonder where the phrase “window of opportunity” comes from? Time magazine may have been the first to use the phrase in its November 12, 1979, issue to describe a small space or short period to get something accomplished. A “window” exists in our underwriting...
