Don’t Take It Personal, but Commercial is Not Just About the Stuff

blog-image_2015-01-07It’s Tuesday before Thanksgiving and a request comes in via our website. We’re needed on-site for a new commercial loss. Sewage back-up, retail store; not clear as to the extent of the damage. A quick search on-line and we realize what we have here — a luxury children’s boutique in a high-end area that just got hit with dirty water, right at the heart of the holiday season. This is the policyholder’s busiest season and most crucial time of the year for their business.

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Thanksgiving: A Time for Family, Food … and Fire Safety

blog-image_2014-11-26Thanksgiving. For one bustling, festive day in November, most of us will gather together with family members over a traditional meal of turkey, cranberry sauce, and pumpkin pie … among dozens of other customary foods. With all that cooking going on, Thanksgiving has earned itself the reputation of being a dangerous holiday. Sadly, on this day, the rate of kitchen fires in the United States more than doubles.

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New York Times Puts a Friendly Face on One of our Own

For insurers, meeting a customer face to face is a rare make or break moment.  That’s because adjusters and claims pros traditionally have a bad rap. The public believes they have to fight with their insurance company for every red cent. We in the industry know this is far from the truth, but negative perceptions die hard. The best we can do is to continue to provide superior service. Another strategy is to educate the public on the great things claims pros do on behalf of policyholders. (Enservio’s “Making it Right” web series takes a large step in that direction.) Continue reading

Back to School: Educating the Policyholder

Back to SchoolLabor Day weekend. The unofficial end of summer and for many parents and guardians, “It’s the most wonderful time of the year…” so a certain store jingle goes. Most of the troops will be back to school, and if you’re like me, the house isn’t the only thing a bit emptier.

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3 Easy Ways You Can Prepare for Natural Disasters

Summer is over and the Labor Day celebrations that marked the end of summer should also serve as the kickoff to National Preparedness Month. Although the program has been in effect for a decade, President Obama only recently recognized the month of September as the time to make sure we are prepared for natural disasters, whether that means hurricane, flood, fire, tornado, earthquake, wildfire, etc. In his 2013 disaster readiness proclamation, the President explained,

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Are All These Your Guitars?

As the final month of the summer season, August is traditionally marked by a number of festivals and concerts in outdoor settings such as the popular Lollapalooza in Chicago. While the likes of Lollapalooza are popular with touring musicians and fans like, they are also red flags for thieves.  Every year, you read news articles of touring musicians facing thefts of their gear from their vans with total values ranging up to $80,000.00. The non-professional musician and the collector are just as susceptible. Insurance is a necessity for these valued instruments, and policies are differentiated for the professional and non-professional in many cases to account for this fact. Guitars are a steady commodity in the market. Whether handed-down or purchased, they hold history and value, just as any other collectible. Unfortunately, sentimental value does not figure in determining replacement value.

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The Lowdown: What Went on at the National Hurricane Conference 2013

The annual four-day National Hurricane Conference just ended the last week of March. Although not aimed entirely at insurance adjusters, it’s a popular destination for those in the profession who want to learn more about local, state, and national-level ideas as well as potential new policies surrounding hurricane damage and general emergency preparedness. In other words, it’s the be-all, end-all of disaster gatherings and a great place for adjusters to glean new knowledge.  Continue reading

April Showers Bring…Increased Theft Claims?

Now that it’s April, apart from April showers and warmer temperatures, many Americans start thinking about the April 15th tax deadline that’s rapidly approaching. Not so coincidentally, the month of April typically sees a spike in the number of homeowner claims filed. You can probably guess the other time a similar increase in claims occurs – around the holidays later in the year. 

Presumably consumers panic when it comes time to pay their tax bills as well as get anxious about the need for extra cash around holiday time. A smaller spike occurs around August/September when tuition bills are traditionally due.  Continue reading

Spring Forward: A Time for Sun…and Fire Safety

At this point, everybody in the snowbelt is tired of the long, blustery winter we’ve been having. With snowfall after snowfall, it seems like there’s no end in sight. But never fear…yesterday brought about a more visible sign of spring than even a shadow-less groundhog or a budding crocus: turning the clocks forward! 

There’s nothing more satisfying than “springing forward.” Turning time ahead an hour and suddenly the day just seems longer — when the work day ends, you can actually drive home and eat dinner before the sun goes down.  Continue reading