So you think Insurance is boring? Let me tell you what keeps Insurance Agents awake at night...and it's not the coffee! Weather!
We watch the weather differently than BI (Before Insurance), knowing that along with the threat of bad weather and the claims to come, not only do people want to add coverage, but they have a sudden desire to pay their premium as well! There is something about a Tornado warning that creates that sense of urgency to make sure they still have coverage and they become most anxious to pay their premium!
Just so you know more than the average Joe, insurance companies will not allow us to add coverage to an existing policy, increase coverage amounts to existing coverage or bind new coverage when an impending storm is on the way! So, if the trailer isn't already on the policy or the outbuilding isn't already scheduled, we are unable to add coverage until the weather clears!
Most of the carriers will send out e-mails giving the counties they are restricting and when the threat passes, the moratorium is lifted.
Along the way, we will have other things to talk about. Here are a few of the topics we may be writing about:
Stay Tuned! More coffee talk to come!