• Carpenter Ants, Termites, and Mulch, Oh My!

    Carpenter Ants, Termites, and Mulch, Oh My! As spring and summer roll around, homeowners’ thoughts turn to landscaping and beautifying the yard. Many homeowners like to mulch the landscaping plants for many reasons; it keeps down weeds, retains moisture, and looks good, among other things....

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  • Fraudster Receives $350k for Home Worth $84k

    Fraudster Receives $350k for Home Worth $84k Arson — Maine Amount: $264,000 A Massachusetts man has been charged in connection with a fire that destroyed his second home in Maine in early 2017. The fraudster faces four counts of insurance deception and one charge of conspiracy to commit...

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  • Earthquakes and Insurance

    Earthquakes and Insurance Summary Mother Nature is a powerful and uncontrollable force. Of all the natural events that occur, earthquakes are among the most destructive. According to the U.S. Geological Survey (USGS), our nation experiences approximately 20,000 earthquakes a year, mostly small....

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  • Does My Business Need Flood Insurance?

    Does My Business Need Flood Insurance? Of all the natural disasters, floods are the most common. Yet many businesses and homeowners do not carry insurance to protect them from this potentially devastating risk. The standard ISO commercial property and businessowners policies do not provide...

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  • Six Fires Later, Woman Charged with Second-Degree Arson and Insurance Fraud

    Six Fires Later, Woman Charged with Second-Degree Arson and Insurance Fraud Arson — North Carolina Amount: Unknown A North Carolina woman is accused of setting fires at her home and her parents’ home. Strangely, the State Bureau of Investigation has been investigating five other fires that...

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  • After a Quake: Insurance Coverage in Earthquake Disasters

    After a Quake: Insurance Coverage in Earthquake Disasters On January 12, 2010, a magnitude 7.0 earthquake struck the island of Haiti. The quake affected almost 3 million people, and aid was provided by  many countries. At least 300,000 people were injured, and an...

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  • They Don't Really Cut out Your Heart: The Truth about Underwriting

    They Don't Really Cut out Your Heart: The Truth about Underwriting There are a number of jokes about underwriters; a favorite is that they cut out your heart when you become one. Another is that the only answer an agent ever receives is a resounding No. Conversely, many underwriting departments...

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  • 10th Circuit Finds Term “Resident” to be Ambiguous in Homeowners' Policy

    10th Circuit Finds Term “Resident” to be Ambiguous in Homeowners' Policy May 6, 2019 The United States Court of Appeals for the 10 th Circuit has ruled that the term “resident” in a mothers' homeowners' policy was ambiguous for purposes of coverage of a lawsuit against her for negligently storing...

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  • AAIS Homeowners Common Endorsements

    AAIS Homeowners Common Endorsements Tailoring to Meet Coverage Needs Summary: The coverages of the American Association of Insurance Services (AAIS) standard homeowners forms (Forms 1, 2, 3, 4, 5, 6, and 8) are designed to provide the kinds of insurance protection that most homeowners will need....

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  • Childhood Diseases Return

    Childhood Diseases Return Over the history of humankind, diseases and infections have always been a problem. From infections from minor cuts and scrapes, to communicable diseases such as the flu, Ebola, and others, infections have killed millions of people and disabled thousands of others over...

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  • Yet Another Reason for Flood Insurance

    Yet Another Reason for Flood Insurance Most people start to think of potential flooding around hurricane season, which runs from June to November. Hurricanes tend to form later in the year, generally in late summer or early fall. What is generally overlooked is the devastation and flooding that...

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