Winter plumbing tips. While preparing for the winter season, it is important to ensure that your house’s plumbing is properly prepared as well. According to Edwin Stipe Inc, below are some of the top issues clients should be on the lookout for as winter approaches. TOP ISSUES FOR WINTER PLUMBING Freezing Pipes: If you have exposed plumbing in […]

Gas Line Coverage: Insurance vs. Home Warranty. Last week, a client received a letter in the mail from her local gas company, Center Point Energy, offering coverage for gas line repairs. She then reached out to her Account Manager for clarification on what was being offered. After reviewing the entire letter, we were able to […]

What is the difference between a home warranty and equipment breakdown? In this blog I will review the differences and similarities between equipment breakdown insurance coverage and a home warranty. EQUIPMENT BREAKDOWN COVERAGE Equipment breakdown coverage is an endorsement that can be added to a homeowners’ policy. There are no square footage limits and coverage is available nationwide. Equipment breakdown […]

I want to share information about Underinsured Motorist (UIM) coverage. Recently, a client requested Underinsured Motorist Property Damage (UIMPD) coverage to be added to his auto policy, which is not available in the state of Indiana. Only UIMBI (Underinsured Motorist Bodily Injury) coverage is available in this state.  WHAT IS UNDERINSURED MOTORIST COVERAGE Underinsured motorist coverage protects a […]

What I have learned about Coverage D. There is a client who had a water loss, which resulted in damage to her flooring. Contractors were unable to begin repairs until after the new year, which leaves her family with concrete slab flooring in cold temperatures. She reached out to me for assistance, to see if […]

A common question I receive when discussing with clients is, “what is recoverable depreciation?” Recoverable depreciation is the difference between actual cash value and replacement cost. A recoverable depreciation clause in an insurance policy accounts for the deterioration in the value of insured possessions and gives the homeowner the ability to claim that difference. The […]

Insurance definitions you need to know. I want to include a bit of information on a very important, but easily overlooked part of an insurance policy, the definitions. When defining the scope of coverage, insurance policies rely on terms and phrases that have specific meanings. The definitions are important as they establish the meanings of […]

What I have learned from winter weather claims. Winter weather is on its way, now is the perfect time for me to share a bit of information on snow and ice codes in Indiana. It is important for landowners and tenants to be familiar with ordinances, as a slip or fall on their property could […]

In this blog, I will review why I suggest scheduling items in your policy. No one can predict when a valuable item will go missing. Priceless items and keepsakes such as jewelry are a high priority item, I suggest scheduling on homeowner’s policies.  REAL EXAMPLE OF WHY I SUGGEST SCHEDULING ITEMS ON YOUR POLICY A few […]

There are 6 types of car seat damage to be aware of for the safety of your child. When it comes to a child’s safety, as a parent you would do anything to protect your little one, but there are invisible dangers that many parents do not find until it is too late.   Understanding the […]