Tropical Storm Cindy Causes Insurance Moratoriums Along Gulf Coast

Posted by on Jun 21, 2017 in Blog | Comments Off on Tropical Storm Cindy Causes Insurance Moratoriums Along Gulf Coast

Tropical Storm Cindy Causes Insurance Moratoriums Along Gulf Coast

My email has been bombarded with notices since Monday from most of the insurance companies and brokers I work with. Each one has announced they are issuing a binding moratorium due to Tropical Storm Cindy. I thought this provided a good time to understand what an insurance moratorium is and how it impacts individuals and businesses when they occur.

An insurance moratorium or binding prohibition simply means an insurance company, or companies, are placing a temporary halt on issuing new policies or raising limits on existing policies until they determine it can be lifted. Moratoriums don’t happen often, however, they are not an unusual incidence.

Moratoriums can be issued for a variety of reasons and can be caused by human events or nature. Examples of moratoriums issued for human related actions include the rioting in Baltimore or Ferguson, Missouri. Nature causes the most moratoriums, usually due to a potential natural disaster such as a hurricane, tornadoes, flooding, earthquakes, and wildfires. Most insurance moratoriums issued in Texas have been caused by hurricanes and tropical storms when they enter the Gulf, flooding, and wildfires.

Binding prohibitions are not issued on a statewide basis, but are focused on areas most likely to be impacted by a storm or civil commotion. For instance, the moratoriums most insurance companies have issued for Tropical Storm Cindy are relegated to a few counties along the Texas, Louisiana, and Alabama coast. Texas counties impacted include Orange, Brazoria, Harris, Galveston, Chambers, and Jefferson. Once the threat has passed, insurance companies remove the moratorium allowing new policies to be issued and limits to be adjusted as desired.

The reason insurance companies issue binding moratoriums is to avoid paying for immediate and highly probable claims. No company wants to write a policy on a business or home that has a strong likelihood of being destroyed by a hurricane or flooded. To do so would be financially irresponsible for the company and unfair to existing policyholders.

Insurance moratoriums may impact individuals, families and businesses. Most of the companies issuing moratoriums for Tropical Storm Cindy have done so on personal lines policies (home, car, and flood insurance), as well as commercial insurance policies (general liability and property).

Hopefully, you’ll not experience nor be negatively impacted by an insurance moratorium. One of the best ways to avoid that is taking some time to review your personal and business policies now. You’ll be able to confirm if you’re prepared and have enough coverage before the storm strikes. What do you think? Share your comments, questions, and experiences with me on our Facebook, Google +, and LinkedIn pages. I’d love to hear from you!

Thank you!

Ed Wise

Wise Insurance Group

Home Insurance for Remodels and Fixer Uppers

Posted by on Jun 19, 2017 in Blog | Comments Off on Home Insurance for Remodels and Fixer Uppers

Home Insurance for Remodels and Fixer Uppers

You’ve found your new home. It has great bones, hasn’t been updated, and you can make it into something special! All it needs is a little, or maybe a lot, of remodeling love to go with your vision of how to bring it up to date and make it uniquely yours. If you’re planning something like this, don’t let home insurance derail your vision.

You may need something other than home insurance to tackle such a project; not all home insurance companies will write a policy for a home about to be or actively being remodeled. To determine which type of policy will provide the right kind of coverage and protection for you two questions need to be addressed:

  • Will the home be occupied during the remodeling project?
  • If not, how long will it take to complete the project, assuming everything stays on schedule?

Occupied Remodel: If the home is going to be occupied during the remodel and the project will be completed in a couple of weeks, then a standard home insurance policy will work in most cases. Most home insurance companies won’t write a policy on vacant home while it’s being worked on. Vacant remodel projects increase the risk to the insurance company a claim will be filed for vandalism, theft, or even a fire. If your remodel is short term, or more cosmetic in nature, and you are willing to live through it, then start with home insurance policy.

Unoccupied Remodel: If the project will last more than a couple of weeks because it’s more extensive, such as a building out a master suite and bath or gutting the kitchen to put in a new one with flooring, I suggest a vacant remodel or builder’s risk policy. These policies usually run from 30 days to 1 year and are used when the home will be vacant throughout the remodel.

Both vacant remodel and builder’s risk policies are designed to cover the home as it is now, what insurance agents refer to as the existing structure, as well as the renovations. Extensive projects, such as these, typically increase the home’s value, and both policies cover the before, during, and completed project valuation change. In addition, these policies usually come with some level of liability coverage to project the homeowner should a worker, or someone visiting the home gets hurt while the remodel is underway.

Determining whether a vacant remodel or builders risk policy is needed depends on the project’s timeframe and if structural changes will be made as a part of the project.

  • I usually recommend a vacant remodel policy for projects which will be completed in 6 months or less and does not involve structural changes.
  • Conversely if the project will go 6 months or more or involves structural changes such as adding square footage or a second story, I recommend a builder’s risk policy.

What did or will your remodel project entail? Share your pictures, as well as questions, comments, and experiences with me on my Facebook, Google +, and LinkedIn pages. I’d love to hear from you!

Thanks!

Ed Wise

Wise Insurance Group

New Safety Technology for Older Vehicles

Posted by on Jun 14, 2017 in Blog | Comments Off on New Safety Technology for Older Vehicles

New Safety Technology for Older Vehicles

Some friends of ours recently purchased a new Toyota Highlander. It’s equipped with some nice safety technology standard including blind spot and lane departure warning, a backup camera, and automatic breaking so you don’t rear end the person in front of you if they brake unexpectedly. I believe technology like this has the potential to help people be safer drivers and avoid accidents.

Sheri’s and my 2012 Camry doesn’t have any of the technology our friend’s Highlander has. However, according to a recent Insurance Journal article, we could add technology if we decided to do so. With cars lasting an average of 11.6 years, you could potentially add this type of safety technology to your car too with a few aftermarket products. Here are a couple of items available now.

Forward Collision & Lane Departure Warning: Tech company, Mobileye, offers a forward collision and lane departure warning system which warns drivers when they stray from their lane and when a collision is up to 2.7 seconds away. The cost of the system is about $1,000 which includes installation by a Mobileye technician.

Garmin’s Dash Cam 35 has the ability to warn a driver of an impending crash up to 130 feet away if the driver is going 30 miles per hour or faster. You can buy this on Amazon for between $92 and $130 depending on which seller you choose to order from.

Blind Spot Detection: These systems notify you when someone is coming up beside you in the next lane. Goshers Blind Spot Detection system, also available on Amazon, runs $299 or less and works using sensors to monitor within 10 feet on either side of the car. Unless you understand auto electronics, this is probably not a DIY project.

Backup Camera: Yada, a Chinese company, makes a weather-proof camera with night vision which attaches to the rear of the car. It sends images to a 4.3-inch monitor via a wireless connection anytime the car is in reverse. This can be purchased at Pep Boys for about $129. If you don’t like the idea of a monitor, Auto Vox makes a system that displays the image in the rear-view mirror. It’s available on Amazon for about $139.

Emergency Assistance: If you want something like General Motor’s OnStar system, but don’t own a GM vehicle, Verizon has something you may be interested in called Hum. It will call emergency services automatically if you’re in an accident, will send messages to your phone if there’s a mechanical problem, and offers a button drivers can push if they need roadside assistance. Hum is offered on a subscription basis for a cost of $10 a month plus a one-time $50 set up and activation fee.

At this point, I’m not aware of any car insurance company offering a discount on your car insurance if you decide to install one or more of these tech helpers, but I do think it’s inevitable. Are you interested in installing any of this on your vehicle? Share your thoughts and questions with me on my Facebook, Google +, and LinkedIn pages. I’d love to hear from you!

Thanks!

Ed Wise

Wise Insurance Group

Hurricane Season Insurance Review

Posted by on Jun 12, 2017 in Blog | Comments Off on Hurricane Season Insurance Review

Hurricane Season Insurance Review

Welcome to hurricane season which runs from June 1 to November 30th. It’s a great time for Texas homeowners to take a few minutes to review their home insurance keeping in mind a hurricane or named storm can impact north Texas residents as easily as it does our coastal neighbors. Let’s address two key areas of your home insurance policy to review along with two other related policies.

Home Insurance:  Review your wind, or wind / hail, deductible. This assumes you don’t have a separate wind policy. Wind coverage may be outlined in one of two deductibles:

  • Wind / Hail
  • Named storm

Most Texans are already familiar with the wind / hail deductible. This is usually specified as a percentage of the home’s insured value such as 1% up to 5%, which is the maximum most mortgage companies permit. If your home has an insured value of $200,000 and you have a 1% wind / hail deductible, you’ll be responsible for up to $2,000 of any repair to the home caused by wind damage before the policy takes over. For those with a 2% or higher wind / hail deductible, I recommend setting aside funds to cover the amount of the deductible should a hurricane strike our coastline.

The named storm deductible, also referred to as hurricane or tropical cyclone deductible, applies to any storm with a name, such as a hurricane or tropical storm. If your home policy has a separate named storm deductible, determine what is the lowest amount your carrier will write on your policy and that it doesn’t break your budget on the annual premium. I’ve seen a few policies in north Texas which default to a 2% named storm deductible, even from companies that will write a 1% deductible. By the time a hurricane reaches north Texas, it usually has been downgraded to a named tropical storm so this is a good exercise for north Texans to undertake!

Wind Insurance: Coastal communities such as Galveston, Corpus Christi, Brownsville, and others may have wind coverage excluded from their home insurance policy and require a separate wind policy. Like flood insurance, wind coverage can be written to cover the home only or it may be written to cover both the home and your contents or personal property. Having coverage on the home only doesn’t help much if you lose your roof and all your personal property is lost or severely damaged. Confirm you have coverage on both and enough to rebuild your home.

Flood Insurance: Flood insurance protects you financially whether the home is flooded by storm surge or from rising waters due to the heavy rainfall which accompanies a hurricane or tropical storm. You can have coverage only on the home or the home and its contents. If you live along the coast or in low lying areas inland, having flood insurance can protect you in ways even a home insurance policy can’t. Confirm you have coverage on both and enough to rebuild. If it will take more than $250,000 to replace your home, look into excess flood coverage. This can be a financial life saver!

What do you think?  Share your questions, comments, experiences and any suggestions you have with me on my Facebook, Google +, and LinkedIn pages.  I’d love to hear from you!

Thanks!

Ed Wise

Wise Insurance Group

Hurricane Preparation for 2017

Posted by on Jun 5, 2017 in Blog | Comments Off on Hurricane Preparation for 2017

Hurricane Preparation for 2017

The 2017 hurricane season started last week running from June 1 through the end of November.  Depending on which forecast you prefer to reference, the 2017 season will be higher than average with 11 to 17 named storms with 5 to 9 of those becoming hurricanes and 2 to 4 of those becoming a category 3 or greater.

If the forecasters are correct and one of these hurricanes makes landfall, the damage can be severe.  This makes it a great time to review your insurance and hurricane preparations.  This week I’ll focus on basic preparation and next week we’ll examine the insurance related items to review now.

Buy & Organize Now:  There are several things you can purchase now before a panicked run on Home Depot or the local grocery store.

  • Secure 3 to 5 gallons of water per day for each person in your family and store in a cool dry place.
  • Buy enough non-perishable food to feed your family for 3 to 5 days including dry beans, pasta, rice, and canned goods.  Add to that packaged tuna, salmon, and chicken that doesn’t need to be refrigerated.
  • Consider buying a camping stove so you’ll have a way to cook your food if the power goes out.
  • Purchase flashlights and extra batteries to last 3 to 5 days.
  • Have sleeping bags, air mattresses, or extra blankets and sheets.
  • Water purification supplies such as iodine tablets, a steri pen or water filtration system can be purchased from REI or a camping supply store.
  • Create a list of everyone’s medications and make photo copies of prescriptions if you need to refill one.  Keep a list of any special medical needs a family member may have.
  • Have extra baby food, formula, diapers, and other baby supplies ready.
  • Buy disposable cleaning wipes (baby wipes) for the entire family.  It may be a few days until that next shower happens.
  • Buy extra toiletries and personal hygiene items you may need.
  • Prepare an emergency kit for your car including flares, booster cables, maps (cell service may be out), tools, a first aid kit and a fire extinguisher.
  • Buy masking tape, nails, screws and sheets of plywood to cover large windows if you don’t have storm shutters.  This helps prevent wind and water damage caused by breaking windows and the tape protects against flying glass.
  • Buy a hand crank powered emergency radio.

Assemble these items and store centrally in a place you can easily access.  They need to be available if you’re unable to evacuate and will be invaluable if you have to leave quickly.

Important Documents:  Create a grab and go box for your important documents.  This should be a waterproof box of items to streamline filing claims, getting resettle, reconnected, and having life get back to normal.  Originals are better left in a safety deposit box in your bank.

  • Copy of passports, social security cards, green cards, driver’s license, etc. (photo copy both sides) which can be notarized by your local bank representative (usually free of charge).
  • Copies of insurance policies for home, auto, life, medical (flood and wind too if these apply).
  • Copies of any legal case papers.
  • Retirement and investment account numbers along with a copy of your last statement.
  • Copies of bill statements for all credit cards along with account numbers and contact information.
  • Last year’s tax return.
  • A recent back up to a thumb drive of your computer / laptop (look into Dropbox, Sugarsync, or other similar services).
  • Approximately $150 in cash for food, gas, etc.
  • Written phone contact list (physicians, family, friends, work, etc.).

Map Your Route:  Do you know where you’d go if you were ordered to evacuate?  This is a great time to decide and plan for that.

  • Take the time to map out your destination and evacuation route.
  • I’d also suggest planning two alternative destinations and routes (Google Hurricane Rita evacuation and you’ll understand).

Having these items purchased and organized before a storm is announced for your hometown means you’re not fighting for them with everyone else in a panic before the storm hits and the shelves are bare.  It also means you’ll be able to pull everything together quickly whether you need to evacuate or not.  Even for those who don’t live in a coastal area, these plans are appropriate for those who experience tornados, earthquakes, and wild fires.

What do you think?  Share your suggestions, questions, comments, and experiences with me on my Facebook, Google +, and LinkedIn pages.  I’d love to hear from you!

Thanks!

Ed Wise

Wise Insurance Group

 

Car Insurance for Kit Cars

Posted by on May 31, 2017 in Blog | Comments Off on Car Insurance for Kit Cars

Car Insurance for Kit Cars

Do you get weak in the knees looking at pictures of a Shelby Cobra, an Ultima Evolution, Catarham Seven or a Kirkham 289 Coupe? Do you dream of a Lister Bell STR, the Lamborghini Diablo, or the Ford GT40? You may not be able to afford the real thing, which can cost hundreds of thousands of dollars, or more, but there is a way to come close with a kit car. There are some amazing car kits with nice engines and the perks of our current vehicles for those who are interested. The issue I’d like to address is what kind of car insurance does a kit car need?

I answered this question for someone who was referred to me a couple of weeks ago. He owns a hot rod kit car based on a 1940’s era Ford. It’s a beautiful car with a chromed short block V8 engine, short windshield, leather seats, and a paint job to warm the soul. It also has a deep meaty rumble coming from the chromed side pipes that run the length of the car.

The limitation of writing a standard car insurance policy on such a vehicle is that it doesn’t consider the kit car’s completed value. A standard policy operates on a depreciation basis so if the car is in a wreck, then the claim will be paid on the vehicle’s depreciated value which may be much less than it’s completed value. The only way to get around this, is to write a car insurance policy which covers the vehicle for its stated value. This is the same approach we take when writing a classic, collector, or authentic antique car (see http://wiseinsurancegroup.com/car-insurance-classic-cars/).

In this individual’s case, the value of his completed kit is over $30,000. Depending on the kit type, underlying frame, and engine, kits can go for several times this person’s hot rod which is why a stated value policy provides the most complete protection for the owner’s investment. There are a few items an underwriter will want to review before writing a policy including:

  • Is the car street legal?
  • Was the kit built by the owner or someone who specializes in building cars?
  • Can it be driven over 50 mph?
  • How often will it be driven?
  • Is it registered / titled to the person seeking the policy?
  • Proof of its value such as a purchase receipt, appraisal, etc.
  • Pictures of all four sides, the interior, and in some cases, the engine compartment of the vehicle.

Not all carriers will require this information, but it does mean there are more options to choose from. In addition, this type of car insurance doesn’t cost an arm and a leg either. It’s very affordable depending on the vehicle’s value and what better way to protect your investment than with a policy covering it for what it’s worth?!

Do you own a kit car? Share your pictures, questions, comments, and experiences with me on my Facebook, Google +, or LinkedIn pages. I’d love to hear from you!

Thanks!

Ed Wise

Wise Insurance Group

Memorial Day

Posted by on May 24, 2017 in Blog | Comments Off on Memorial Day

Memorial Day

Memorial Day weekend is upon us which is a sure sign summer’s almost here and kids everywhere are counting the days until the end of the school year while planning what they’ll do over the summer. All of us look forward to having a three-day weekend, whether it’s what sales at local malls to take advantage of, make a trek to the beach or enjoy a dip in the swimming pool. Grills will be fired up for burgers, hotdogs, and other culinary delights for gatherings of friends and families.

Memorial Day has a much deeper meaning for many Americans, however. For them, it’s a time to pause, reflect, and remember those paid the ultimate sacrifice to secure our freedom. Over 1.3 million men and women have lost their lives in all US wars enabling us to enjoy that freedom however we choose to do so. Another 1.5 million were wounded in some way and over 38,000 went missing in action during these wars.

Enjoy your holiday, I will be spending it with family, but take a few minutes to remember those who served in the armed services and gave us the gift of our freedom. Better yet, thank someone you may know for their service, past or present, and let them know you are grateful for their sacrifice. They’ll appreciate your acknowledgement because it matters. I’ll be thanking my dad and sister. Freedom isn’t free as almost 3 million men and women can attest.

Happy Memorial Day!

Ed Wise

Wise Insurance Group

An Overview of Renters Insurance

Posted by on May 22, 2017 in Blog | Comments Off on An Overview of Renters Insurance

An Overview of Renters Insurance

I’ve written several renters insurance policies in the past few weeks for new college grads, people relocating to north Texas, and someone going through a divorce. Some purchased them because the lease requires it while others simply want their personal property covered against what may happen. I felt it to be a good time to revisit renters insurance and the coverage contained in a typical policy.

Personal Property or contents is the coverage for everything you move into an apartment or home you’re renting. This includes furniture, electronics, clothing, dishes, cookware, linens, appliances, computers, phones, artwork and jewelry. How much coverage you need depends entirely on what you own. I recommend prospective clients review what they own and create an estimate of the cost to replace each item, even the loveseat your parents gave you!

Personal Liability protects you when someone comes into your home, invited or not, they get hurt and then sue you for negligence. This may entail someone falling in your apartment, tripping over something, or even being bitten by a pet. Depending on the company, renters insurance typically comes with $50,000 in coverage, although I recommend either $300,000 or $500,000 depending on your income level and what you do professionally.

Medical Coverage is designed to take someone who doesn’t live in the home, to receive medical attention when hurt. It may not keep them from suing but it can be very nice for someone who’s not badly injured. Typical coverage limits range from $1,000 to $5,000, with a nominal difference in cost between these levels.

Loss of use helps financially if you need to move out of your home and rent another due to a claim. This can be used to pay for a few days in a hotel while your apartment is being dried out form a massive water leak, to up to a year if it’s damaged by a fire. Not everybody can cashflow paying for two places to live.

Options are available on renters insurance policies for those who want or need them. If you own nice artwork, jewelry, a great baseball card collection, or incredible electronics, you can protect them better with scheduled coverage. Concerned about water or sewage back up or broken windows? There’s optional coverage for that too, as well as coverage for earthquake damage, floods, and more.

Deductibles are the amount you pay out of pocket before the policy pays for the claim. This is usually stated in a dollar amount such as $250, $500, $1,000 etc. A high deductible results in a lower renters insurance premium, while a lower deductible increases what you pay for the policy.

Discounts are available if you live in a gated community, have security guards on the premises, have a local or monitored burglar and/or fire alarm, smoke detectors, sprinkler system, fire extinguisher, or have your car insurance written by the same company. Find out what’s available!

Have a question about renters insurance? Please ask them, and share your experiences with me on my Facebook, Google +, and LinkedIn pages. I’d love to hear from you!

Thanks!

Ed Wise

Wise Insurance Group

Commercial Insurance Hired and Non-Owned Auto Liability

Posted by on May 17, 2017 in Blog | Comments Off on Commercial Insurance Hired and Non-Owned Auto Liability

Commercial Insurance Hired and Non-Owned Auto Liability

If you’re a small business owner or run a non-profit, did you know you could be sued if an employee or volunteer is involved in an accident while driving their own car or a rented vehicle on business? Unfortunately, it’s true and there is an option that may be added to your commercial insurance policy or purchased separately, if it can’t be added to your general liability insurance, to protect you in such an event. It’s referred to as hired and non-owned auto liability, or HNO liability, and it could save your bacon financially.

Let’s suppose that you send an employee or a volunteer out to pick up office supplies, lunch, coffee, set up a trade show booth, or deliver something to a client or donor. The employee or volunteer looks down at their phone and is involved in an accident. The person they hit is hurt and the employee or volunteer’s car insurance doesn’t cover the victim adequately, then the victim may decide to sue your company or non-profit. Without this coverage, you’d have to pay for defense cost and possibly the liability claim out of your own pocket. That’s where hired and non-owned auto steps in.

A good HNO auto liability policy will provide coverage for at least three things including liability claims, defense costs, and actions of your employee, temporary staff, or volunteer.

  • Liability Claims provides protection for liability claims to your business or non-profit if an employee or volunteer is involved in an accident when driving their vehicle or a rented vehicle for business purposes.
  • Defense Costs enables the insurance company to appoint an attorney to defend your business or non-profit in a lawsuit, even a frivolous or groundless one. That beats having to pay for one out of pocket!
  • Employee / Staff Actions protects your business or organization to the extent it is liable for an employee’s (full time or part time) or volunteer’s actions when driving their personal or a rented vehicle.

It’s also important to note what most HNO auto liability policies don’t cover.

  • The Employee is not covered when driving a vehicle by the HNO policy; it’s for your company or organization.
  • Physical Damage to the employee’s or volunteer’s vehicle is also not covered. That’s covered by their car insurance policy.
  • Transportation of Property such as a company laptop, tradeshow booth, or other organizational property is not covered if damaged while being transported.

Is your business or non-profit covered? To find out if this is included by your commercial insurance policy, ask your agent. It’s much better to find out before an accident happens than after one when it’s too late. Do you have a question, comment, or experience you’d like to share? You can share them with me on my Facebook, Google +, or LinkedIn pages. I’d love to hear from you!

Thanks!

Ed Wise

Wise Insurance Group

Duplexes and Home Insurance

Posted by on May 15, 2017 in Blog | Comments Off on Duplexes and Home Insurance

Duplexes and Home Insurance

A homeowner called me last week to discuss home insurance on her Dallas area duplex. It was coming up for renewal and she wanted to confirm she was not over paying for her home insurance. I was delighted to review her current rate and advise her on her coverage. Based on that conversation, let’s review insurance considerations for a duplex.

There are many ways to write home insurance on a duplex, however, it hinges on two key issues; do you own one or both sides and who lives there. Let’s look at a couple of examples of how home insurance companies approach this.

One Side Owner Occupied: This is the easiest of all the scenarios. When a person owns only one side lives in it as their primary residence then we quote a standard home insurance policy on just their side. The policy covers only their half of the duplex including their portion of the roof, exterior walls, interior finish out, and their personal property or contents. Whomever owns the other half of the duplex is responsible for covering their half.

One Side Tenant Occupied: When the owner only owns one side and rents it to a tenant, then we write a rental property policy for their half of the duplex. The policy covers only the half they own including their portion of the roof, exterior walls and interior finish out. Personal property is usually not included unless the owner is providing appliances such as a washer and dryer for the tenant. The tenant is responsible for protecting their personal property with a renter’s policy.

Both Sides Tenant Occupied: Like the one side tenant occupied case, a rental property policy is written on both sides of the duplex with each tenant needing a renter’s policy to cover their personal property.

Both Sides Owned Mixed Occupancy: This was the case of the person who called me last week. She owns both sides, lives in one side and rents out the other side to a tenant. Home insurance companies approach this in a couple of different ways.

  • Write a primary home policy over both sides, however, only the owner’s personal property is covered under the policy. This approach may also be used if the second half is occupied by an immediate family member such as a parent or adult child. The family member, like a tenant, will still need a renter’s policy to protect their personal property.
  • Write a primary home policy over the owner occupied side and a rental property policy over the tenant occupied side.
  • One company writes a primary rental property policy over both sides and covers the owner’s personal property with a renter’s policy.

After reviewing my options, I informed the person who called me she had an excellent rate. However, I was concerned she had some gaps in her coverage I would have addressed differently and made three suggestions she should address with her current agent. I believe it’s important to point out gaps in coverage when I see them. What do you think? Share your comments, questions, and experiences with me on my Facebook, Google +, and LinkedIn pages. I’d love to hear from you!

Thanks!

Ed Wise

Wise Insurance Group