Foreclosures

Foreclosures

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...
Residence Rental Theft

Residence Rental Theft

I love esoteric endorsements, especially ones that are badly named, and this one’s a doozy.  Not only do most people not know there’s a coverage gap that this endorsement is designed to fix, if they do know about it, they fall for the name. Everyone knows that theft...
Loss History

Loss History

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....
Your Window of Opportunity

Your Window of Opportunity

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...