There’s one more type of water peril that’s different from leaks. Homeowners and renters need to be aware of this peril. It’s sewer and drain back up. Leaking pipes and appliances are certainly a nuisance, but at least the water is clear and clean. Much more foul is a sewage and drain backup.
Everyone smiles when I ask about traffic tickets or accidents. Some have even asked what they have to do with life insurance. Almost every insurance company that processes a life application will run MVR (motor vehicle report) and CLUE reports. The MVR show violations such as tickets and the CLUE report shows accidents.
?One of my clients called me last year with a question that was pretty interesting. She’s a Dallas area mom with a son who was about to turn 15. While she was already wondering what was going to happen to her car insurance premium when her son turned 16, her question was: Will she get a better discount if her son takes the parent-led vs. instructor-led driver education?
??When it comes to water leaks, most insurance companies and their policies classify leaks into two categories;
Sudden & accidental
Slow drip or slow leak
Sudden & accidental: This type of leak is characterized as being sudden; it quickly materialized or occurred and it was unintentional.
The forest quickly enveloped us and we talked less as we focused on hiking, the views, and making it to the top. I enjoyed the conversations with friends but I also enjoy the quiet. This was where I began to “hear” the business lessons the hike was teaching. Here are three more lessons I learned.
Imagine with me three different scenarios. I’m sure you may identify with one of these examples! You’re hosting a dinner for friends. You need one last item from Whole Foods so you give some money and your car keys to one of your guests and ask them to get it for you. The store’s only two minutes away. What could go wrong?
One of the questions I’m asked about a home policy is whether or not it has foundation coverage. If you’ve lived in the Dallas / Fort Worth area, or many other parts of Texas, you know our soil moves. This seems to affect north Texas more than any other part of the state. The reason is our homes are built on “blackland prairie.” This is an ecoregion that runs from the Red River to San Antonio. The soil has a high clay content that contracts and expands. This “soil movement” can either …
We started up in short sleeves and added layers as we climbed to our camp site. I brought up the rear playing with the camera on my iPhone (it weighs a lot less than my 35mm Canon) and was truly enjoying myself when I found myself thinking about how heading up an insurance agency was not very different from what I was doing at that moment. Here are the first three lessons I learned on that hike.
?Christmas is over. The decorations are put away, the tree dropped off at Home Depot for recycling, and 2013 has arrived. If you watched any TV in the past 48 hours you probably noticed a lot of commercials about weight loss and quitting smoking, two of the more popular resolutions every year. Many people make resolutions prior to ringing in the New Year. Other’s don’t make resolutions and argue we should set goals and objectives instead. My belief is whichever method works for you is the right one!
?It’s New Year’s Eve. 2012 draws to an end tonight and tomorrow a New Year dawns. Your outfit’s picked out and reservations are made for dinner and the after dinner party. Or maybe you’re going with a group of friends to a club. Or maybe you’re hosting the party at your house. Champagne is chilled and hors d’oeuvres are ready! So what’s to worry? Plenty if you drink too much and get a DUI.
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