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Foundation Care During Drought Conditions

Drought continues to cling to the western states. Mountain snowfall has been thin through much of the winter months and water levels in many lakes and reservoirs have less water than they did a year ago. Parts of Colorado have been declared extreme drought areas. Our neighbors to the north in Oklahoma and Nebraska are facing rainfall deficits of up to 16 inches with 55.8 % of the United States remaining in drought conditions. Unless spring snow and rainfall picks up, it could be a long hot summer.

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Texas Insurance Update for 2013

Every year, I like to review the current state of personal insurance for Texas. Personal insurance is what most individuals and families concern themselves with. It includes car, home (condo & town homes), renters, and umbrella insurance policies. The goal is to help most people keep their finger on the pulse of what’s happening. An informed consumer is a powerful force!

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A Speeding Ticket’s Impact on Car Insurance

I’ve worked with several people over the past few days quoting their car insurance. Ultimately we’re hoping to provide equal or better coverage for them for less money than they’re currently paying. I’ve been able to save several of them anywhere from $100 to $1,000 a year. There were two we couldn’t help. For them, it would have cost them more to have me write their car insurance than to stay with their current insurance company. I told them to stay with their current insurance company. The reason was ticket activity.

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The Tornado, The Mattress, & The Claim

?During the days of May 3 through 6 in 1999, Oklahoma, Arkansas, Kansas, Texas and Tennessee experienced a huge tornadic event. Approximately 66 storms swept through these States. The most devastating was an F5 level tornado that struck Oklahoma City and the surrounding suburbs of Bridge Creek, Moore, Del City, Tinker Air Force Base, and Midwest City. The storm claimed the lives of 48 people and caused $1.1 Billion in damage. Many homes were wiped clean, leaving only rubble strewn slabs of which most were warped by the suction of the funnel.

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Should Our Taxes Pay For Consumer Protection?

?Texas funds two insurance related agencies through our property taxes and other taxes that are levied on individuals and businesses; The Texas Department of Insurance and The Texas Office of Public Insurance Counsel. The roles of these two agencies differ in some key areas and converge where most Texans are concerned.

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Are There Gaps in Your Car Insurance?

?Think your car policy covers everything? It may or it may not. Most car insurance policies have exclusions written into them, however I can probably count on one hand the number of clients I have who read their policies. Your policy is typically mailed or emailed to you when you get a new policy or when your policy renews.

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