FHJ – May 2020 – Covid-19

It’s crazy how the Coronavirus has taken over our lives for the last 2 months. It will continue to impact us for the rest of our lives. I’m writing this article on ways insurance maybe utilized to help you recover from the financial impact this virus has had on you...

FHJ – April 2020 – Umbrella Coverage

Is it worth buying an Umbrella? Too often we are lulled into a false sense of security because: we have insurance, we’re safe drivers, we don’t do wild and crazy stuff. The problem comes when we fail to recognize that the limits chosen may not be adequate for the...

FHJ – February 2020 Claims Time Frame

Over the last month I’ve received a few calls from a former insured seeking guidance in dealing with a homeowner claim. My agency had lost his business to an on-line company. They discovered a water pipe leak on a Saturday evening. Part of me wanted to remnd him he...

FHJ- February 2020 – Power Wheel Chairs

Will Homeowners Insurance cover your Power Wheel Chair? A recent call from an insured questioned whether their insurance would cover a power wheel chair. Was their question related to Health or Homeowners Insurance? Was it relating to the purchase of the unit, or...

FJH – December 2019 -Home Oil Tanks

The worst part of my job is when I have to tell an insured “you’re not covered for that”. Last Saturday I had to explain to an insured that his oil tank leak was not a covered loss. Experience told me he was looking at an average of $8,000-12,000 to clean up his oil...