Sunday, July 17, 2016

How does Flood Insurance work?

All Homeowner policy forms(home, condo, rental property and renters) specifically exclude flood.  Flood is another term for surface water, water that is on top of ground from rivers, creeks overflowing or heavy rains. READ MORE >>

Wednesday, June 8, 2016

Explain SR-22

An SR-22 is ONE requirement imposed by the Dept of Motor Vehicle/Driver License Bureau in the event of a driver license suspension.  Essentially an SR-22 is a post card size form mailed or ele... READ MORE >>

Monday, May 16, 2016

What to do in event of Auto Accident?

If your car is NOT drivable, and you are at the scene of the accident it is best to instruct the tow truck driver to tow your car DIRECTLY to nearest car dealer(assuming the dealer has a body shop) or a body shop of your choice. READ MORE >>

Monday, April 18, 2016

Is insect/carpenter bee damage to home covered by home insurance?

Ever noticed carpenter bee's buzzing around the eaves of roof or wood deck?  Those carpenter bee holes can eventually lead to entire area of bore holes.  Eaves and decks have been destroyed by these bugs. READ MORE >>

Wednesday, March 23, 2016

Renters Insurance

Why should a person carry Renter's Insurance if they don't have much stuff or money?  Renter's Insurance not only provides coverage for you and your family's personal belongings but it provides you/family with LIABILITY. READ MORE >>

Friday, February 26, 2016

Jewelry Coverage on Homeowner Policies

All standard homeowner policy forms including: homeowners, condominium, villa and renter policies have LIMITATIONS in the event of loss to jewelry. READ MORE >>

Thursday, February 4, 2016

Is Sinkhole a covered peril on homeowners?

Most of us have seen on news a sinkhole in other parts of the U.S.  In particular, I am thinking of Florida, where yards, streets and homes have simply disappeared. READ MORE >>

Thursday, January 28, 2016

What is Un & Underinsured Motorist in MO?

Un and Underinsured Motorist coverage in Missouri is a very important coverage.  No it does NOT cover your car if it's damaged by an uninsured driver or hit an run. READ MORE >>

Friday, January 15, 2016

Garage door hits your parked car is Comp or Collision?

A question came up, garage door hit their parked car.  Is this a Comprehensive or Collision loss?  Collision refers to upset of your covered auto or it's impact with another vehicle or object. READ MORE >>

Sunday, December 27, 2015

Direct Claim vs Indirect Claims

When hail season is upon us, there are DIRECT and INDIRECT claims that seem to crop up.  A direct claim is hail impacting 1/4 or 1/2 of siding on home; however, not impacting the other 1/2 of home. READ MORE >>