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Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Don’t Throw The Baby Out With The Bathwater

How do we fix America’s Healthcare Problem? Answer: create a government supported high-risk health insurance pool, operated by the states and funded with federal financial assistance. These high risk pools fix a major problem of our healthcare system, the pre-existing condition, without overhauling the entire system for the minority.  These pools are nothing new, as a vast majority of states already use them, each relying...

Top 7 Motorcycle Survival Tips

Motorcycles are cool. But dangerous.  It’s the adrenaline. Living life on the edge is what makes motorcycle riding what it’s all about: the best time you can have on two wheels. Motorcycles travel as fast as cars but have none of the safety features like an exterior frame, four wheels, or seatbelts.  But riding a motorcycle doesn’t have to be an exercise in knocking on...

Top 10 Problems With Homeowner Insurance

    Actual Cash Value vs. Replacement Cost for roof claim – More and more Insurance companies are reducing coverage for your hail damage claim. Instead of paying for a new replacement roof, many companies are paying a depreciated settlement, or Actual Cash Value.  This means that your 10 year old roof may only be worth $2500 in actual value (used) but it may cost...

Building Code Ordinance Coverage: Don't Get Stuck Holding The Bag

For most Tennessee homeowners, a fire is covered under their home insurance policy. No brainer, right? Think again. The problem is in your local Building Code Ordinance Laws - and the difference between what the laws were when your house was built and the current laws. Your insurance policy does not automatically pay to bring a newly re-built home up to code. The fact is...

Homeowners Insurance Claims: The Inside Scoop

Tennessee beware!  Too many homeowner claims may very likely mean trouble for you later!  I recently spoke to an individual who had a number of claims on his homeowners policy.  He said, “I pay a lot for my insurance and I expect to get something back for my money.”  As a general rule, homeowners insurance is not meant to be a maintenance program. It covers...