Category Uncategorized

When I started  in insurance, as my kids say, in the 1900’s,  The average home was insured for $98,000, the average deductible was $500 and the average cost for coverage was $550 per year.    A roof cost on average $3200,…

Its no secret that insurance rates are on the rise. The home insurance market is being impacted by significant increases in labor, materials and a huge increase in reinsurance pricing. While most pricing are on the rise, your policy doesn’t…

Southwest Missouri was hit by a significant hail storm on April 15th 2023.  The storm was bad enough but the aftermath and dealing with the scammers will have long term affects. In Springfield we have several long term, local roofing…

A scary tale of what could happen. Hank the Painter Guy is on his ladder painting the last few pieces of siding on the end of your house nearly 16 feet up with his air sprayer.   He has done a…

Insurance Advice from a Pest Control Professional As a pest control company owner, you have a lot of responsibility on your shoulders. You have to sweat the details and unfortunately that means that you have to be looking for all…

The Term “Act of God Clause” is the most misinterpreted insurance company denial ever.   I am going to try to give some explanations and examples on how this works and when it is used. So, what exactly is an “Act…

We hear all the time from prospective clients “I had a claim with zero pay out so it shouldn’t affect me.” or “the insurance company only paid a few hundred dollars.”  The truth of the matter is these claims do…

There are a few coverages that online 1-800# insurance retailors often overlook in an effort to produce a low auto insurance rate.  Insurance buyers often request “Full Coverage Insurance” and there is a major disconnect from what they request and…

When people buy insurance online there tend to be coverage gaps, and honestly sometimes we see these gaps with live agents as well.  Purchasing insurance with a local insurance broker can help avoid these costly mistakes. Hired Auto/Non-owned auto coverage: …

Lets first understand what minimum limits are and how much they might cost. In College Mr. John Patton, the longest tenured teacher at Missouri State, explained to me that the first 1 dollar of insurance is incredibly expensive. The first…