News Blog |
December 8, 2024
Be safe this holiday season!
https://www.facebook.com/share/18Uk9jTF2R/?mibextid=WC7FNe
December 6, 2024
If you are decorating your home, be safe as you do so!
https://www.facebook.com/share/1X8ca1ZDV3/?mibextid=WC7FNe
November 27, 2024
We recently enjoyed lunch from Hughie’s to celebrate Karina’s birthday! Happy Birthday to you!
https://www.facebook.com/share/p/1FU1SA6swS/?mibextid=WC7FNe
November 23, 2024
WE CELEBRATED AN EARLY THANKSGIVING WITH OUR TEAM ON THURSDAY!! ALL THE FOOD PREPARED BY EACH OF THE STAFF WAS AMAZING!
https://www.facebook.com/share/p/1AfeyxKn7e/?mibextid=WC7FNe
November 17, 2024
Doug participated in the American Legion chili cook-off onVeteran's Day weekend.He is a member of the Sons of the American Legion. His father was in the Coast Guard. during World War II. doug won 2nd place in beans, he turned in chili that we all thought should have been the winner!! We have all been enjoying his efforts!!
https://www.facebook.com/share/p/15hQFBbNXG/?mibextid=WC7FNe
November 12, 2024
When can your child go booster seat free? See this video and test out both back rows if you have a larger vehicle. Some third rows are more shallow and may allow for no booster seat while the second row still needs that safety feature.
https://www.facebook.com/share/r/14W16tbHdu/?mibextid=UalRPS
November 10, 2024
Are you regularly renting a vehicle? Check out this information and let us know if you need to check your policies for specific wording.
https://www.tdi.texas.gov/tips/rental-car-insurance.html?fbclid=IwZXh0bgNhZW0CMTEAAR35b4arTOr9pS1InqCSQ4BgH5wdDNq6HYMIfr8sn7Q2omRc3E3uE9_cUyU_aem_DuiFEGjygimwxCMOcDSfZw
Ins
June 25, 2024
Great information about contributing factors of floods.
https://www.facebook.com/share/p/KXRGZZMbCfUxJXfH/?mibextid=WC7FNe
June 22, 2024
Flood tips from the Texas Floodplain Management.
https://www.facebook.com/share/p/Be5JzTf7K9dYafnd/?mibextid=WC7FNe
June 17, 2024
Good reminders as the first big tropical system of the year parks in the Gulf.
https://www.facebook.com/share/ZmoEhcW5ggNWz3EV/?mibextid=WC7FNe
June 12, 2024
Let’s get ready before the storm!
https://www.facebook.com/share/Uv7TZCFuz1sMa35N/?mibextid=WC7FNe
June 9, 2024
Check out these summer based insurance issues.
https://content.naic.org/article/consumer-insight-summer-safety-are-you-insured-summer-fun?fbclid=IwZXh0bgNhZW0CMTEAAR3HkDRbQW3bq2ddO3WLmQvgeP_XUrnaWjqUKDwPDluuH-RTCxppxzRGqKQ_aem_hn02vZ8eliWKYaktsCLcAA
June 2, 2024
The weather systems we get in our area can produce very deep water very quickly. #tadd
https://www.facebook.com/share/p/mvVTcXFebEHBPfSy/?mibextid=WC7FNe
June 1, 2024
“Insurance is an example of a larger reality. Overall inflation has come down notably, but consumers are still struggling with uncertainty about key prices that make up an important part of their day-to-day lives.”
https://www.yahoo.com/news/home-insurance-clobbering-consumers-yet-193010005.html?
May 26, 2024
Be safe this weekend.
https://houstontx.gov/fire/safetyinfo/MemorialDay.html?fbclid=IwZXh0bgNhZW0CMTEAAR3nlowmVP1I2CJ4Wg0GusdIlKD83K6FDDUln5cIrQciIAorf6BPBHEgzn0_aem_2kVTU72wfnYYUqvo84jPFw
May 24, 2024
We will see how the summer pans out.
https://www.yahoo.com/news/noaa-issues-highest-ever-may-145553366.html?
March 11, 2024
Many schools in our area are on Spring Break. Be safe!
https://www.dps.texas.gov/news/dps-offers-safety-reminders-spring-break
March 9, 2024
On March 7, 2024 Debra celebrated her anniversary of 5 years working as an agent with DBJ Insurance Agency!
Doug took the staff to lunch and it was yummy, we went to Aladdin’s Mediterranean.
Looking forward to more time with the team!
March 2, 2024
Motorcycle insurance is vitally important and Foremost wants to raise awareness for all drivers on the road.
https://cp.foremost.com/forms/Foremost-Virtual-Motorcycle-Rally/?upn=975157&fbclid=IwAR3DLNQqJM3lEJJHU5N3VVLtsPrGWPEFSraqMjKhQFodyay5ylLR1UVDHfY_aem_AUz80JYIqHDg7zodaPLSIuUl0pNa6BhjIt1KMZJsToYZij08yGrh4hR7Gauz0RM7a_Y
February 28, 2024
On Friday Feb 23 we celebrated GO TEXAN’S DAY along with all of Houston!
We had a great BBQ lunch in the office and enjoyed lots of fun conversation!
February 17, 2024
Good information shared from CNBC.
https://www.linkedin.com/posts/cnbc_insurers-such-as-state-farm-and-allstate-activity-7160330388454715393-Ihhn?fbclid=IwAR2s4Lgyr8xIS4bnKYLb9X6YvyoxnWzgZZ1UIu0JBkYlCUxzMmngg3IcCP4_aem_AUwsBHh1czzmkTqmmtzlz9M9DObie1OX8YjVJcc8Uor_p8-Ygy_PT1lJiVDEknaR4oQ
February 10, 2024
The biggest takeaway is, your homeowner’s policy may not cover contents in the moving process and you should call us for more information on your individual policy.
https://www.usnews.com/insurance/homeowners-insurance/do-you-need-moving-insurance?fbclid=IwAR1vLP9woTWZTa4gNh6yjdoazHaSOFXKQ9wLGU-y335UMvCbsAObJ0h5cyU_aem_AUzAqljZO8iexSkCdpxHJQDl2T8q7SiN35Eoz6xkqitXtZZDLNUEHsUwZFq-QaUTbr8
June 25, 2024
Great information about contributing factors of floods.
https://www.facebook.com/share/p/KXRGZZMbCfUxJXfH/?mibextid=WC7FNe
June 22, 2024
Flood tips from the Texas Floodplain Management.
https://www.facebook.com/share/p/Be5JzTf7K9dYafnd/?mibextid=WC7FNe
June 17, 2024
Good reminders as the first big tropical system of the year parks in the Gulf.
https://www.facebook.com/share/ZmoEhcW5ggNWz3EV/?mibextid=WC7FNe
June 12, 2024
Let’s get ready before the storm!
https://www.facebook.com/share/Uv7TZCFuz1sMa35N/?mibextid=WC7FNe
June 9, 2024
Check out these summer based insurance issues.
https://content.naic.org/article/consumer-insight-summer-safety-are-you-insured-summer-fun?fbclid=IwZXh0bgNhZW0CMTEAAR3HkDRbQW3bq2ddO3WLmQvgeP_XUrnaWjqUKDwPDluuH-RTCxppxzRGqKQ_aem_hn02vZ8eliWKYaktsCLcAA
June 2, 2024
The weather systems we get in our area can produce very deep water very quickly. #tadd
https://www.facebook.com/share/p/mvVTcXFebEHBPfSy/?mibextid=WC7FNe
June 1, 2024
“Insurance is an example of a larger reality. Overall inflation has come down notably, but consumers are still struggling with uncertainty about key prices that make up an important part of their day-to-day lives.”
https://www.yahoo.com/news/home-insurance-clobbering-consumers-yet-193010005.html?
May 26, 2024
Be safe this weekend.
https://houstontx.gov/fire/safetyinfo/MemorialDay.html?fbclid=IwZXh0bgNhZW0CMTEAAR3nlowmVP1I2CJ4Wg0GusdIlKD83K6FDDUln5cIrQciIAorf6BPBHEgzn0_aem_2kVTU72wfnYYUqvo84jPFw
May 24, 2024
We will see how the summer pans out.
https://www.yahoo.com/news/noaa-issues-highest-ever-may-145553366.html?
March 11, 2024
Many schools in our area are on Spring Break. Be safe!
https://www.dps.texas.gov/news/dps-offers-safety-reminders-spring-break
March 9, 2024
On March 7, 2024 Debra celebrated her anniversary of 5 years working as an agent with DBJ Insurance Agency!
Doug took the staff to lunch and it was yummy, we went to Aladdin’s Mediterranean.
Looking forward to more time with the team!
March 2, 2024
Motorcycle insurance is vitally important and Foremost wants to raise awareness for all drivers on the road.
https://cp.foremost.com/forms/Foremost-Virtual-Motorcycle-Rally/?upn=975157&fbclid=IwAR3DLNQqJM3lEJJHU5N3VVLtsPrGWPEFSraqMjKhQFodyay5ylLR1UVDHfY_aem_AUz80JYIqHDg7zodaPLSIuUl0pNa6BhjIt1KMZJsToYZij08yGrh4hR7Gauz0RM7a_Y
February 28, 2024
On Friday Feb 23 we celebrated GO TEXAN’S DAY along with all of Houston!
We had a great BBQ lunch in the office and enjoyed lots of fun conversation!
February 17, 2024
Good information shared from CNBC.
https://www.linkedin.com/posts/cnbc_insurers-such-as-state-farm-and-allstate-activity-7160330388454715393-Ihhn?fbclid=IwAR2s4Lgyr8xIS4bnKYLb9X6YvyoxnWzgZZ1UIu0JBkYlCUxzMmngg3IcCP4_aem_AUwsBHh1czzmkTqmmtzlz9M9DObie1OX8YjVJcc8Uor_p8-Ygy_PT1lJiVDEknaR4oQ
February 10, 2024
The biggest takeaway is, your homeowner’s policy may not cover contents in the moving process and you should call us for more information on your individual policy.
https://www.usnews.com/insurance/homeowners-insurance/do-you-need-moving-insurance?fbclid=IwAR1vLP9woTWZTa4gNh6yjdoazHaSOFXKQ9wLGU-y335UMvCbsAObJ0h5cyU_aem_AUzAqljZO8iexSkCdpxHJQDl2T8q7SiN35Eoz6xkqitXtZZDLNUEHsUwZFq-QaUTbr8
January 22, 2024
From ice safety to lots of rain in a week. Drive safe.
https://www.facebook.com/share/p/JvqxEwz2exUCfaq3/?mibextid=RqrPsF
January 15, 2024
Weather is all over the place right now. If you can work remotely or reschedule appointments, do so. If you have to be out and about, follow these tips.
https://www.facebook.com/share/p/HuhA4j8NizxrTyPB/?mibextid=RqrPsF
January 12, 2024
Today we dressed for our Texans Football Team! Not all of us could be in the picture, but here are a couple we would like to share with you!
GO TEXANS 1/13/2024!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
https://www.facebook.com/share/p/HJKU4CauG2BoUG5J/?mibextid=RqrPsF
January 11, 2024
Today we celebrated Kiara’s upcoming birthday, getting out of the office for some yummy Mexican food, while also celebrating our newest employee Anais. We all enjoyed our time together!! Sometimes you have to get out of the office for an hour.
https://www.facebook.com/share/p/o8Xe1XgPAFazM1k9/?mibextid=RqrPsF
January 7, 2024
While weather forecasts can change, we may have some freezing temperatures soon. It is better to be prepared ahead of time.
https://www.tdi.texas.gov/tips/winter-safety.html?fbclid=IwAR0lTPEku2naxqTNPS8NXoutNfuFiAPPBxyv9K4WP38LDmykC7GqXr6Iilo_aem_AbwGkN3KLUDSkcjfFSiYLzbYabsfMWqCZ7t__l_MAaSqf99ds0DKpAAo7miKimqpCg0
January 4, 2024
Some Christmas presents may need to be listed or covered differently on your policies. Call us to check or start the process.
January 1, 2024
As we reflect on everything 2023 brought and look forward to everything 2024 has to offer, we wish you a Happy New Year!
From ice safety to lots of rain in a week. Drive safe.
https://www.facebook.com/share/p/JvqxEwz2exUCfaq3/?mibextid=RqrPsF
January 15, 2024
Weather is all over the place right now. If you can work remotely or reschedule appointments, do so. If you have to be out and about, follow these tips.
https://www.facebook.com/share/p/HuhA4j8NizxrTyPB/?mibextid=RqrPsF
January 12, 2024
Today we dressed for our Texans Football Team! Not all of us could be in the picture, but here are a couple we would like to share with you!
GO TEXANS 1/13/2024!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
https://www.facebook.com/share/p/HJKU4CauG2BoUG5J/?mibextid=RqrPsF
January 11, 2024
Today we celebrated Kiara’s upcoming birthday, getting out of the office for some yummy Mexican food, while also celebrating our newest employee Anais. We all enjoyed our time together!! Sometimes you have to get out of the office for an hour.
https://www.facebook.com/share/p/o8Xe1XgPAFazM1k9/?mibextid=RqrPsF
January 7, 2024
While weather forecasts can change, we may have some freezing temperatures soon. It is better to be prepared ahead of time.
https://www.tdi.texas.gov/tips/winter-safety.html?fbclid=IwAR0lTPEku2naxqTNPS8NXoutNfuFiAPPBxyv9K4WP38LDmykC7GqXr6Iilo_aem_AbwGkN3KLUDSkcjfFSiYLzbYabsfMWqCZ7t__l_MAaSqf99ds0DKpAAo7miKimqpCg0
January 4, 2024
Some Christmas presents may need to be listed or covered differently on your policies. Call us to check or start the process.
January 1, 2024
As we reflect on everything 2023 brought and look forward to everything 2024 has to offer, we wish you a Happy New Year!
November 8, 2023
We are not sure we have the qualifications to offer this kind of insurance. But there are insurance policies for many different scenarios.
https://www.claimspages.com/news/alien-abduction-insurance-readily-available-to-florida-residents-20190724/?fbclid=IwAR2rqtIJc8O9bbvgTenW4EqstrEyn38vkPQaZrmHqweYYc3Y0k4BZztjN3A_aem_AbKJAobVhi4dK8lWQFx6x6lJ8QfUnhrxrLqWiXgrci7F1XpmMkkyegFKfMuSR57lxCk&mibextid=Zxz2cZ
November 5, 2023
Don’t forget to switch an hour back and that your drive home or evening errands may be darker in the coming weeks.
October 31, 2023
Happy Halloween to all you crazy, fun kids out there. Have fun and be safe while you’re out tonight!
October 28, 2023
Great tips for trick or treating safety from our Sugarland friends.
https://www.sugarlandtx.gov/608/Halloween-Safety-Tips?fbclid=IwAR0g3iA4hW-MXZnsDNTk1eWFg2ic5tplzDcwQwb641aDCrK-aHSjnznPPh8_aem_AbLyudRu_AC-n-3g0hn0wK9aGQqr7f219JFhfjFRMvF0dP3wimy1bseFKKCM2GcEECI&mibextid=Zxz2cZ
October 27, 2023
Recently Doug, Debra, andu Laura earned their CISR Certifications. This is a designation earned by spending multiple hours in insurance educationy classes.
Congratulations Doug, Debra, and Laura!
We are not sure we have the qualifications to offer this kind of insurance. But there are insurance policies for many different scenarios.
https://www.claimspages.com/news/alien-abduction-insurance-readily-available-to-florida-residents-20190724/?fbclid=IwAR2rqtIJc8O9bbvgTenW4EqstrEyn38vkPQaZrmHqweYYc3Y0k4BZztjN3A_aem_AbKJAobVhi4dK8lWQFx6x6lJ8QfUnhrxrLqWiXgrci7F1XpmMkkyegFKfMuSR57lxCk&mibextid=Zxz2cZ
November 5, 2023
Don’t forget to switch an hour back and that your drive home or evening errands may be darker in the coming weeks.
October 31, 2023
Happy Halloween to all you crazy, fun kids out there. Have fun and be safe while you’re out tonight!
October 28, 2023
Great tips for trick or treating safety from our Sugarland friends.
https://www.sugarlandtx.gov/608/Halloween-Safety-Tips?fbclid=IwAR0g3iA4hW-MXZnsDNTk1eWFg2ic5tplzDcwQwb641aDCrK-aHSjnznPPh8_aem_AbLyudRu_AC-n-3g0hn0wK9aGQqr7f219JFhfjFRMvF0dP3wimy1bseFKKCM2GcEECI&mibextid=Zxz2cZ
October 27, 2023
Recently Doug, Debra, andu Laura earned their CISR Certifications. This is a designation earned by spending multiple hours in insurance educationy classes.
Congratulations Doug, Debra, and Laura!
September 17, 2023
We are proud of our team and the training we do to stay on top of your insurance needs. Ever wonder who is answering your inquiry? Our about us page includes information about each of us.
https://dbjins.com/doug.html?fbclid=IwAR30zKwq48_GruT6k8OBsooNKSckajr2su72EsJhf-Mz1BS4ptTEAVlg7nE_aem_AVl8LkE6mgz30Dfj94fCn3wmwwesbhmKDU-k3eXlSIMdTTz_NZDoz52iKLzYxAqJDY0&mibextid=Zxz2cZ
September 12, 2023
“ Last month Travelers said catastrophe losses doubled in its most recent quarter and the company, considered a bellwether for the insurance industry due to its size, said it lost money.”
Our commitment is to continue with quality service to our friends and clients. Every day.
https://www.houstonchronicle.com/business/article/severe-storms-lead-to-unprecedented-34-billion-18287277.php?fbclid=IwAR2rFTAN4F0X1pPFGSjmqhVXhoawrKgpVWI3Zf3xFDbrd2biE9UkzsDfivc_aem_AVlRfp_6493pwCtzMwV88W6DaySPzspwlSWDd8E839qutqMgfGWmr36al0jLs849_QA&mibextid=Zxz2cZ
September 11, 2023
We will never forget those lost on 9.11.2001
September 8, 2023
“One lesson Symons has learned from the ordeal is the importance of an annual accounting for the cost of what is inside a building and what it would cost to rebuild.”
Keeping track of what is inside your home or property is just as important as what is on the outside. Pictures and receipts could save you trouble if you have to remember everything during a disaster.
https://www.houstonchronicle.com/business/article/severe-storms-lead-to-unprecedented-34-billion-18287277.php?fbclid=IwAR2rFTAN4F0X1pPFGSjmqhVXhoawrKgpVWI3Zf3xFDbrd2biE9UkzsDfivc_aem_AVlRfp_6493pwCtzMwV88W6DaySPzspwlSWDd8E839qutqMgfGWmr36al0jLs849_QA&mibextid=Zxz2cZ
September 3, 2023
Looks like we should get used to some large weather systems and expect them to be the norm.
“Devastating storms, which now seem to be the norm rather than the exception, are expected to continue to grow in intensity and severity," wrote Marcus Winter, CEO, North America at Munich Reinsurance America.
https://www.houstonchronicle.com/business/article/severe-storms-lead-to-unprecedented-34-billion-18287277.php?fbclid=IwAR2w36Fpri7EMEmsgXK1MZUEbkXyczQ2npTNhcsn-Rjl42nueX7cRTu7E2A_aem_AVmeI4DJlpFZea7YpqaZEV5arYSCFQW3mjJ0oZXk8THxyZvnl66OB5H9y0LwNdCXzM0&mibextid=Zxz2cZ
September 2, 2023
Just a reminder, not only for the holiday weekend, but every day of the year.
https://amp.star-telegram.com/news/state/texas/article278725939.html?fbclid=IwAR1JUV0xFqAB46KCw49vheCL3CLE5YwFaileeilO492qmxs0OS5rYd-dKFc_aem_AVl6uYLLs4fPDb8yiF-lYm7jpUy3VvAuK7cBfLOSv9Cid-M8eRbZmfeZ-5397Il_P44&mibextid=Zxz2cZ
August 27, 2023
The storms that have caused damage in our area are massive.
“The storms in the U.S. were so severe, there were 10 that resulted in damages of $1 billion or more, almost double the average recorded over the past decade, according to Swiss Re, and Texas was the state most severely effected.”
https://www.houstonchronicle.com/business/article/severe-storms-lead-to-unprecedented-34-billion-18287277.php?fbclid=IwAR2w36Fpri7EMEmsgXK1MZUEbkXyczQ2npTNhcsn-Rjl42nueX7cRTu7E2A_aem_AVmeI4DJlpFZea7YpqaZEV5arYSCFQW3mjJ0oZXk8THxyZvnl66OB5H9y0LwNdCXzM0&mibextid=Zxz2cZ
August 25, 2023
There may be a “hack for that”, but sometimes our solutions can lead to bigger, and more devastating problems.
https://www.claimspages.com/news/he-tried-to-plug-a-wasp-nest-he-ended-up-sparking-californias-biggest-wildfire-20190614/?fbclid=IwAR2iY2y9zsC8h9Q2nNFVogx7TFmucjGME09gr9m0Ef8U1an_xR-DLmuDm7M_aem_AVn6F4sj6gffTdQQlxG6wM16rjEEcZ8y4QnAoU7qVUejraT27GPgppy1gRa76i9thNs&mibextid=Zxz2cZ
August 22, 2023
Do your friends or family drive one of these vehicles? Check your recall and warranty information regularly to keep your vehicle safe and comfortable.
https://www.fox26houston.com/news/nissan-recalling-236k-sentras-over-possible-steering-control-problem?utm_campaign=trueanthem&utm_medium=trueanthem&utm_source=facebook&fbclid=IwAR3NvHRZfvBU6GPAlMbeFQYh0XV-eTFkFqbEACPueg44cuXleOr7bXufn_Q_aem_AYJFr1UjkIHTldZQ7GgreDggnD0XJ26Wl4aPaaEBf_n-A6APIwHHnyODiuRw8nhDVV0&mibextid=Zxz2cZ#lln224183td8z6wco0p
August 19, 2023
This is a cautionary tale about kids in hotels!
https://www.claimspages.com/news/high-school-student-caused-more-than-$690k-in-damage-to-hotel-lawsuit-says-20190625/?fbclid=IwAR3XktRmdMO3KaHK2wT09JEqPApfdAxSCer-FwfqevPqZgg-hSLlb2EYzzw_aem_AVlbeqArX-y_vMsRl8tzr2vFdUiFRlcD61GSxo6NRCYpn2EdkGJtXrHgxyzk22HY6as&mibextid=Zxz2cZ
August 16, 2023
Do you receive our newsletter?
https://dbjins.com/newsletter.html?fbclid=IwAR0vd6Dpr5xVlVTWLip3oH5s0TRuzc2TM629qHTax49IUGzZHlfn9kYGZls_aem_AVmYVmuDijQS-0Aoj4mC7GenEyCBWny43VxJJoEIvB3I1vkDpFhW5D--lOwY6Jih5Vc&mibextid=Zxz2cZ
We are proud of our team and the training we do to stay on top of your insurance needs. Ever wonder who is answering your inquiry? Our about us page includes information about each of us.
https://dbjins.com/doug.html?fbclid=IwAR30zKwq48_GruT6k8OBsooNKSckajr2su72EsJhf-Mz1BS4ptTEAVlg7nE_aem_AVl8LkE6mgz30Dfj94fCn3wmwwesbhmKDU-k3eXlSIMdTTz_NZDoz52iKLzYxAqJDY0&mibextid=Zxz2cZ
September 12, 2023
“ Last month Travelers said catastrophe losses doubled in its most recent quarter and the company, considered a bellwether for the insurance industry due to its size, said it lost money.”
Our commitment is to continue with quality service to our friends and clients. Every day.
https://www.houstonchronicle.com/business/article/severe-storms-lead-to-unprecedented-34-billion-18287277.php?fbclid=IwAR2rFTAN4F0X1pPFGSjmqhVXhoawrKgpVWI3Zf3xFDbrd2biE9UkzsDfivc_aem_AVlRfp_6493pwCtzMwV88W6DaySPzspwlSWDd8E839qutqMgfGWmr36al0jLs849_QA&mibextid=Zxz2cZ
September 11, 2023
We will never forget those lost on 9.11.2001
September 8, 2023
“One lesson Symons has learned from the ordeal is the importance of an annual accounting for the cost of what is inside a building and what it would cost to rebuild.”
Keeping track of what is inside your home or property is just as important as what is on the outside. Pictures and receipts could save you trouble if you have to remember everything during a disaster.
https://www.houstonchronicle.com/business/article/severe-storms-lead-to-unprecedented-34-billion-18287277.php?fbclid=IwAR2rFTAN4F0X1pPFGSjmqhVXhoawrKgpVWI3Zf3xFDbrd2biE9UkzsDfivc_aem_AVlRfp_6493pwCtzMwV88W6DaySPzspwlSWDd8E839qutqMgfGWmr36al0jLs849_QA&mibextid=Zxz2cZ
September 3, 2023
Looks like we should get used to some large weather systems and expect them to be the norm.
“Devastating storms, which now seem to be the norm rather than the exception, are expected to continue to grow in intensity and severity," wrote Marcus Winter, CEO, North America at Munich Reinsurance America.
https://www.houstonchronicle.com/business/article/severe-storms-lead-to-unprecedented-34-billion-18287277.php?fbclid=IwAR2w36Fpri7EMEmsgXK1MZUEbkXyczQ2npTNhcsn-Rjl42nueX7cRTu7E2A_aem_AVmeI4DJlpFZea7YpqaZEV5arYSCFQW3mjJ0oZXk8THxyZvnl66OB5H9y0LwNdCXzM0&mibextid=Zxz2cZ
September 2, 2023
Just a reminder, not only for the holiday weekend, but every day of the year.
https://amp.star-telegram.com/news/state/texas/article278725939.html?fbclid=IwAR1JUV0xFqAB46KCw49vheCL3CLE5YwFaileeilO492qmxs0OS5rYd-dKFc_aem_AVl6uYLLs4fPDb8yiF-lYm7jpUy3VvAuK7cBfLOSv9Cid-M8eRbZmfeZ-5397Il_P44&mibextid=Zxz2cZ
August 27, 2023
The storms that have caused damage in our area are massive.
“The storms in the U.S. were so severe, there were 10 that resulted in damages of $1 billion or more, almost double the average recorded over the past decade, according to Swiss Re, and Texas was the state most severely effected.”
https://www.houstonchronicle.com/business/article/severe-storms-lead-to-unprecedented-34-billion-18287277.php?fbclid=IwAR2w36Fpri7EMEmsgXK1MZUEbkXyczQ2npTNhcsn-Rjl42nueX7cRTu7E2A_aem_AVmeI4DJlpFZea7YpqaZEV5arYSCFQW3mjJ0oZXk8THxyZvnl66OB5H9y0LwNdCXzM0&mibextid=Zxz2cZ
August 25, 2023
There may be a “hack for that”, but sometimes our solutions can lead to bigger, and more devastating problems.
https://www.claimspages.com/news/he-tried-to-plug-a-wasp-nest-he-ended-up-sparking-californias-biggest-wildfire-20190614/?fbclid=IwAR2iY2y9zsC8h9Q2nNFVogx7TFmucjGME09gr9m0Ef8U1an_xR-DLmuDm7M_aem_AVn6F4sj6gffTdQQlxG6wM16rjEEcZ8y4QnAoU7qVUejraT27GPgppy1gRa76i9thNs&mibextid=Zxz2cZ
August 22, 2023
Do your friends or family drive one of these vehicles? Check your recall and warranty information regularly to keep your vehicle safe and comfortable.
https://www.fox26houston.com/news/nissan-recalling-236k-sentras-over-possible-steering-control-problem?utm_campaign=trueanthem&utm_medium=trueanthem&utm_source=facebook&fbclid=IwAR3NvHRZfvBU6GPAlMbeFQYh0XV-eTFkFqbEACPueg44cuXleOr7bXufn_Q_aem_AYJFr1UjkIHTldZQ7GgreDggnD0XJ26Wl4aPaaEBf_n-A6APIwHHnyODiuRw8nhDVV0&mibextid=Zxz2cZ#lln224183td8z6wco0p
August 19, 2023
This is a cautionary tale about kids in hotels!
https://www.claimspages.com/news/high-school-student-caused-more-than-$690k-in-damage-to-hotel-lawsuit-says-20190625/?fbclid=IwAR3XktRmdMO3KaHK2wT09JEqPApfdAxSCer-FwfqevPqZgg-hSLlb2EYzzw_aem_AVlbeqArX-y_vMsRl8tzr2vFdUiFRlcD61GSxo6NRCYpn2EdkGJtXrHgxyzk22HY6as&mibextid=Zxz2cZ
August 16, 2023
Do you receive our newsletter?
https://dbjins.com/newsletter.html?fbclid=IwAR0vd6Dpr5xVlVTWLip3oH5s0TRuzc2TM629qHTax49IUGzZHlfn9kYGZls_aem_AVmYVmuDijQS-0Aoj4mC7GenEyCBWny43VxJJoEIvB3I1vkDpFhW5D--lOwY6Jih5Vc&mibextid=Zxz2cZ
August 10, 2023
Many of the carriers we work with have apps to make your insurance needs available at your fingertips!
https://dbjins.com/mobile-apps.html?fbclid=IwAR1mKo8dXfnEiGrh87tQ-c-u4vzxHNKbx5ZeS9P3F2kaVeo9jLSH1V7maqc_aem_AXitzqxiVYbEBtLpCwpGcuApI8zU2z1op7twA7k_pazsteSYDme3cl1XJSRAAbzZ274&mibextid=Zxz2cZ
August 6, 2023
It’s school time. When in doubt, go the slower speed.
https://www.click2houston.com/traffic/2019/09/06/rules-for-school-zones-every-texas-driver-should-know/?fbclid=IwAR31cZvVaZ59LzPO8FJ6sejDn-lnO9A_BqlRNGTMjC5I_pyvAkJ-QewrjWw_aem_AQE8VQRRMZ4LYqPyntoFQNHQXZpPmP0KKQtZc8cb3btzjH5_CmhQbKgA08cdO2V2Kh8&mibextid=Zxz2cZ
August 1, 2023
Some school districts in the area are starting next week, this is not a suggestion!
Many of the carriers we work with have apps to make your insurance needs available at your fingertips!
https://dbjins.com/mobile-apps.html?fbclid=IwAR1mKo8dXfnEiGrh87tQ-c-u4vzxHNKbx5ZeS9P3F2kaVeo9jLSH1V7maqc_aem_AXitzqxiVYbEBtLpCwpGcuApI8zU2z1op7twA7k_pazsteSYDme3cl1XJSRAAbzZ274&mibextid=Zxz2cZ
August 6, 2023
It’s school time. When in doubt, go the slower speed.
https://www.click2houston.com/traffic/2019/09/06/rules-for-school-zones-every-texas-driver-should-know/?fbclid=IwAR31cZvVaZ59LzPO8FJ6sejDn-lnO9A_BqlRNGTMjC5I_pyvAkJ-QewrjWw_aem_AQE8VQRRMZ4LYqPyntoFQNHQXZpPmP0KKQtZc8cb3btzjH5_CmhQbKgA08cdO2V2Kh8&mibextid=Zxz2cZ
August 1, 2023
Some school districts in the area are starting next week, this is not a suggestion!
July 26, 2023
We have appointments with several carriers to make sure your policies are specifically tailored to your needs.
https://dbjins.com/carriers.html?trk=feed_main-feed-card_feed-article-content
July 22, 2023
This sounds like a literal nightmare. https://lnkd.in/gSEthK72
July 19, 2023
There are some pretty interesting insurance related stories out there.
https://www.claimspages.com/news/2022/06/16/dog-starts-major-kitchen-fire-after-turning-on-stove/?trk=feed_main-feed-card_feed-article-content
July 18,2023
Most of our posts are shared on our blog if you need to refer back to something you’ve seen. We hope it’s helpful information for you and others! https://lnkd.in/gVgsn-f4
July 12, 2023
Considering a renovation? Travelers has helpful tips for renovations that could change your insurance needs. https://lnkd.in/eTtr2MD
We have appointments with several carriers to make sure your policies are specifically tailored to your needs.
https://dbjins.com/carriers.html?trk=feed_main-feed-card_feed-article-content
July 22, 2023
This sounds like a literal nightmare. https://lnkd.in/gSEthK72
July 19, 2023
There are some pretty interesting insurance related stories out there.
https://www.claimspages.com/news/2022/06/16/dog-starts-major-kitchen-fire-after-turning-on-stove/?trk=feed_main-feed-card_feed-article-content
July 18,2023
Most of our posts are shared on our blog if you need to refer back to something you’ve seen. We hope it’s helpful information for you and others! https://lnkd.in/gVgsn-f4
July 12, 2023
Considering a renovation? Travelers has helpful tips for renovations that could change your insurance needs. https://lnkd.in/eTtr2MD
July 7, 2023
Don’t forget to secure your home when you are leaving for extended time.
https://www.forbes.com/home-improvement/home-security/home-security-on-vacation/?fbclid=IwAR2ozHYPK--dNuWdLlkR1MPVJa_EauyV7X-3qAF6_YSsaibWRwpXVLQL0Qg_aem_AQjcLnIYK3ZI8pwMyFThc_Y6wAqWo7upU3SW7cjc8x6ghzeUay-U-SLN6cLBh8pCans&mibextid=Zxz2cZ
July 6, 2023
Planning a road trip? Check over your vehicle to make sure it’s in tip top shape.
https://www.popularmechanics.com/cars/a26200/car-road-trip/?fbclid=IwAR013H927S7ByuuwgmgYPEfgWh0_DcperbWjcnjEJMUQW46QsyDv_Kg9hdY_aem_AQgT5DqBaDxmGihfdZqS2oxb5nDk05x5-d3cwEHj4-IekMhcqpA0h4a1ylreHPoTLzbPnP5uvzQFfma1geDx1tes&mibextid=Zxz2cZ
July 4, 2023
Hope everyone has a happy and safe Fourth of July!
July 1, 2023
Be safe as you are grilling for all your friends and family!
https://www.facebook.com/photo.php?fbid=964839438103457&set=a.736569187597151&type=3&mibextid=cr9u03
June 28, 2023
We cannot believe it is almost Fourth of July. Follow these safety tips.
https://www.adt.com/resources/4th-of-july-safety-tips?fbclid=IwAR1iHCCPDeVlvMV5qm_VC2msUEApkTYPQ10MsMN83IUHBDTqzZPd87RauUs_aem_AQhtV1p4n9i5zBWzChig36DEoWqM08D9qhSxSsMzPNTmSBg2lgPdH8upJJImhsjAABY&mibextid=Zxz2cZ
June 22, 2023
Are you ready in the event of an emergency?
https://www.facebook.com/photo.php?fbid=959214648665936&set=a.736569187597151&type=3&mibextid=cr9u03
Don’t forget to secure your home when you are leaving for extended time.
https://www.forbes.com/home-improvement/home-security/home-security-on-vacation/?fbclid=IwAR2ozHYPK--dNuWdLlkR1MPVJa_EauyV7X-3qAF6_YSsaibWRwpXVLQL0Qg_aem_AQjcLnIYK3ZI8pwMyFThc_Y6wAqWo7upU3SW7cjc8x6ghzeUay-U-SLN6cLBh8pCans&mibextid=Zxz2cZ
July 6, 2023
Planning a road trip? Check over your vehicle to make sure it’s in tip top shape.
https://www.popularmechanics.com/cars/a26200/car-road-trip/?fbclid=IwAR013H927S7ByuuwgmgYPEfgWh0_DcperbWjcnjEJMUQW46QsyDv_Kg9hdY_aem_AQgT5DqBaDxmGihfdZqS2oxb5nDk05x5-d3cwEHj4-IekMhcqpA0h4a1ylreHPoTLzbPnP5uvzQFfma1geDx1tes&mibextid=Zxz2cZ
July 4, 2023
Hope everyone has a happy and safe Fourth of July!
July 1, 2023
Be safe as you are grilling for all your friends and family!
https://www.facebook.com/photo.php?fbid=964839438103457&set=a.736569187597151&type=3&mibextid=cr9u03
June 28, 2023
We cannot believe it is almost Fourth of July. Follow these safety tips.
https://www.adt.com/resources/4th-of-july-safety-tips?fbclid=IwAR1iHCCPDeVlvMV5qm_VC2msUEApkTYPQ10MsMN83IUHBDTqzZPd87RauUs_aem_AQhtV1p4n9i5zBWzChig36DEoWqM08D9qhSxSsMzPNTmSBg2lgPdH8upJJImhsjAABY&mibextid=Zxz2cZ
June 22, 2023
Are you ready in the event of an emergency?
https://www.facebook.com/photo.php?fbid=959214648665936&set=a.736569187597151&type=3&mibextid=cr9u03
June 11, 2023
There are several different types of flooding, flash floods are fairly common in the Gulf Coast.
https://m.youtube.com/watch?v=Ay0yAQIaKKQ&feature=youtu.be
June 8, 2023
Great information from FEMA about historical flood data. Remember this is data and not an indication of future “safety”. Select your state then select your county on the map for more information. Click here to access data.
June 3 c 2023
Check our linked in page for more-
This is great information to be aware of, flood loss avoidance, as well as general information about steps to take immediately after a flood, when possible.
June 1, 2023
Great set of information about how to prepare documents before floods occur. Now is the perfect time to get started. https://lnkd.in/gpY87g5j
May 28, 2023
Our social media pages have great information from FEMA about flood risk.
Great information from FEMA about what to do to stay safe during flood and rising water events. A
May 22, 2023
Safety rules are vital, no matter the age of your kid. See our Facebook for more information.
There are several different types of flooding, flash floods are fairly common in the Gulf Coast.
https://m.youtube.com/watch?v=Ay0yAQIaKKQ&feature=youtu.be
June 8, 2023
Great information from FEMA about historical flood data. Remember this is data and not an indication of future “safety”. Select your state then select your county on the map for more information. Click here to access data.
June 3 c 2023
Check our linked in page for more-
This is great information to be aware of, flood loss avoidance, as well as general information about steps to take immediately after a flood, when possible.
June 1, 2023
Great set of information about how to prepare documents before floods occur. Now is the perfect time to get started. https://lnkd.in/gpY87g5j
May 28, 2023
Our social media pages have great information from FEMA about flood risk.
Great information from FEMA about what to do to stay safe during flood and rising water events. A
May 22, 2023
Safety rules are vital, no matter the age of your kid. See our Facebook for more information.
May 6,2023
What else is contributing to the expense and damage of vehicle accidents? “Consumers are also tending to choose heavier vehicles. More than 80% of new vehicle sales were light trucks in 2022, up from just under 50% in 2013. Trucks and sports-utility vehicles are also heavier. According to the US Environmental Protection Agency, the average weight of passenger vehicles on the road increased from 3,200 pounds in 1981 to 4,300 pounds in 2021. The average weight of SUVs increased 7% from 1990 to 2021; the average truck weight increased 32% during that time. The report says crashes in heavy vehicles lead to more severe claims, both for property damage and bodily injury. Modern vehicles are also more complicated than previous generations of automobiles, another factor that drives claim severity.” https://lnkd.in/gNU959dy
May 2, 2023
There are a lot of questions about remote work vs cars being on the road, but Insurance Journal has data about that too. “A shift to remote work prompted by the COVID-19 pandemic continues to alter traffic patterns from historic norms. Traffic congestion is returning to pre-pandemic levels. According to the 2022 INRIX Global Traffic Scorecard, traffic delays exceeded pre-pandemic levels in 116 out 295 U.S. urban areas, or 39%. Much of those traffic jams have shifted to the south. Miami is now the fifth-most congested city in the nation, up from 12th in 2018, according to INRIX. Houston moved to a ninth-place ranking from 13th in 2018 and Atlanta moved to 10th place from 11th. The number of vehicle miles driven, surpassed during pandemic lockdowns, now exceeds pre-pandemic levels. Trucks, especially, are driving farther. Both freight trucks and commercial light trucks make up a larger share of the vehicles driven. Continued growth in e-commerce is expected to drive growth in the number of miles driven by commercial trucks, the report says.” https://lnkd.in/gNU959dy
May 1, 2023
Age contributed to claims too, because injuries might be more complicated. “The nation, as a whole is growing older — in part because both birth rates and immigration are lower than previous levels. The median age was 38.8 years in 2021, up from 35.4 in 2000 and 32.9 in 1990. Drivers, of course, are older as well. Older drivers tend to have fewer accidents, the report says, but if they are injured treatment tends to be more complicated because of a greater propensity for pre-existing conditions.” https://lnkd.in/gBqQcdZM
April 25, 2023
Drivers are driving faster and heavier vehicles are on the roads, combining for bigger accidents. “When it comes to cars on the road, post-pandemic drivers are driving faster and more distracted than ever. The result is accidents with greater severity,” the report says. CCC said claim counts increased 3.7% in 2022 from 2021, while overall non-comprehensive claim counts increased 3.6%. Compared to 2019, overall claim counts were still 7.6% below 2022 numbers, while overall non-comprehensive claims remained down 11.4%.” https://lnkd.in/gNU959dy
What else is contributing to the expense and damage of vehicle accidents? “Consumers are also tending to choose heavier vehicles. More than 80% of new vehicle sales were light trucks in 2022, up from just under 50% in 2013. Trucks and sports-utility vehicles are also heavier. According to the US Environmental Protection Agency, the average weight of passenger vehicles on the road increased from 3,200 pounds in 1981 to 4,300 pounds in 2021. The average weight of SUVs increased 7% from 1990 to 2021; the average truck weight increased 32% during that time. The report says crashes in heavy vehicles lead to more severe claims, both for property damage and bodily injury. Modern vehicles are also more complicated than previous generations of automobiles, another factor that drives claim severity.” https://lnkd.in/gNU959dy
May 2, 2023
There are a lot of questions about remote work vs cars being on the road, but Insurance Journal has data about that too. “A shift to remote work prompted by the COVID-19 pandemic continues to alter traffic patterns from historic norms. Traffic congestion is returning to pre-pandemic levels. According to the 2022 INRIX Global Traffic Scorecard, traffic delays exceeded pre-pandemic levels in 116 out 295 U.S. urban areas, or 39%. Much of those traffic jams have shifted to the south. Miami is now the fifth-most congested city in the nation, up from 12th in 2018, according to INRIX. Houston moved to a ninth-place ranking from 13th in 2018 and Atlanta moved to 10th place from 11th. The number of vehicle miles driven, surpassed during pandemic lockdowns, now exceeds pre-pandemic levels. Trucks, especially, are driving farther. Both freight trucks and commercial light trucks make up a larger share of the vehicles driven. Continued growth in e-commerce is expected to drive growth in the number of miles driven by commercial trucks, the report says.” https://lnkd.in/gNU959dy
May 1, 2023
Age contributed to claims too, because injuries might be more complicated. “The nation, as a whole is growing older — in part because both birth rates and immigration are lower than previous levels. The median age was 38.8 years in 2021, up from 35.4 in 2000 and 32.9 in 1990. Drivers, of course, are older as well. Older drivers tend to have fewer accidents, the report says, but if they are injured treatment tends to be more complicated because of a greater propensity for pre-existing conditions.” https://lnkd.in/gBqQcdZM
April 25, 2023
Drivers are driving faster and heavier vehicles are on the roads, combining for bigger accidents. “When it comes to cars on the road, post-pandemic drivers are driving faster and more distracted than ever. The result is accidents with greater severity,” the report says. CCC said claim counts increased 3.7% in 2022 from 2021, while overall non-comprehensive claim counts increased 3.6%. Compared to 2019, overall claim counts were still 7.6% below 2022 numbers, while overall non-comprehensive claims remained down 11.4%.” https://lnkd.in/gNU959dy
April 20, 2023
We will be discussing an article from Insurance Journal over the next few posts and want to introduce it with this quote- “ U.S. roadways are carrying heavier, more powerful vehicles operated by motorists who are older, driving faster and more often distracted, according to CCC Intelligent Solutions’ annual Crash Course report.Each of those factors has a bearing on the frequency and severity of personal auto claims. The report says that frequency was rebounding from pandemic lows in the fourth quarter of 2022. The percentage of vehicles that were non-drivable after crashes was higher than in 2019 and 2020, a sign of increased severity.” If you have questions about your vehicle, contact us today. https://lnkd.in/eYsjeT9
April 17, 2023
We pledge this to our clients. https://lnkd.in/gicrWezu
April 14, 2023
As Doug often reminds people when these issues pop up, “ EVERYONE says their dog is not “unfriendly” until it is.” https://lnkd.in/gjgKYs26
April 12, 2023
Swimming safety is important and we know kid swimsuits are being purchased as the weekends get warmer. https://lnkd.in/gTjUVPfp
April 10, 2023
To make things convenient for you and your busy schedule, you can pay with most carriers online. https://lnkd.in/guP-TDVm
We will be discussing an article from Insurance Journal over the next few posts and want to introduce it with this quote- “ U.S. roadways are carrying heavier, more powerful vehicles operated by motorists who are older, driving faster and more often distracted, according to CCC Intelligent Solutions’ annual Crash Course report.Each of those factors has a bearing on the frequency and severity of personal auto claims. The report says that frequency was rebounding from pandemic lows in the fourth quarter of 2022. The percentage of vehicles that were non-drivable after crashes was higher than in 2019 and 2020, a sign of increased severity.” If you have questions about your vehicle, contact us today. https://lnkd.in/eYsjeT9
April 17, 2023
We pledge this to our clients. https://lnkd.in/gicrWezu
April 14, 2023
As Doug often reminds people when these issues pop up, “ EVERYONE says their dog is not “unfriendly” until it is.” https://lnkd.in/gjgKYs26
April 12, 2023
Swimming safety is important and we know kid swimsuits are being purchased as the weekends get warmer. https://lnkd.in/gTjUVPfp
April 10, 2023
To make things convenient for you and your busy schedule, you can pay with most carriers online. https://lnkd.in/guP-TDVm
April 1, 2023
What our clients say is important to us and drives us to find the best coverage for each of https://dbjins.com/client-reviews.html
March 30, 2023
Sometimes your home is livable while repairs are being done and sometimes it isn’t. What coverage do you have?
https://www.travelers.com/home-insurance/coverage/loss-of-use
March 24, 2023
what to do if your pipes break?
https://www.travelers.com/resources/home/maintenance/answers-to-5-common-insurance-questions-about-home-water-damage
March 20, 2023
Claims numbers are at your fingertips if you ever need them.
https://dbjins.com/claims-phone-numbers.html
March 15, 2023
Policies can differ but this is a great overview.
https://www.travelers.com/home-insurance/coverage
March 11, 2023
Don’t forget to change your clocks and your smoke detector batteries!
March 9, 2023
Great ideas for the upcoming weekends!
https://www.tasteofhome.com/article/spring-cleaning-checklist/
What our clients say is important to us and drives us to find the best coverage for each of https://dbjins.com/client-reviews.html
March 30, 2023
Sometimes your home is livable while repairs are being done and sometimes it isn’t. What coverage do you have?
https://www.travelers.com/home-insurance/coverage/loss-of-use
March 24, 2023
what to do if your pipes break?
https://www.travelers.com/resources/home/maintenance/answers-to-5-common-insurance-questions-about-home-water-damage
March 20, 2023
Claims numbers are at your fingertips if you ever need them.
https://dbjins.com/claims-phone-numbers.html
March 15, 2023
Policies can differ but this is a great overview.
https://www.travelers.com/home-insurance/coverage
March 11, 2023
Don’t forget to change your clocks and your smoke detector batteries!
March 9, 2023
Great ideas for the upcoming weekends!
https://www.tasteofhome.com/article/spring-cleaning-checklist/
March 3, 2023
Always happy to work with our clients and carriers to provide the best possible service.
https://dbjins.com/pay-bill-online.html
March 1, 2023
Do you have questions about flood insurance after reading our post? Contact us today.
https://dbjins.com/contact-us.html
February 24, 2023
Do you need flood insurance for your home or business?Contact us today.
https://www.iii.org/article/do-i-need-flood-insurance-for-my-home
Always happy to work with our clients and carriers to provide the best possible service.
https://dbjins.com/pay-bill-online.html
March 1, 2023
Do you have questions about flood insurance after reading our post? Contact us today.
https://dbjins.com/contact-us.html
February 24, 2023
Do you need flood insurance for your home or business?Contact us today.
https://www.iii.org/article/do-i-need-flood-insurance-for-my-home
February 19, 2023
While the weather is back and forth spring is on the way!
https://www.travelers.com/resources/home/maintenance/spring-home-maintenance-tips
February 16, 2023
If your sweetie got you an extra special Valentine’s gift, contact us today.
February 9, 2023
Have fun watching the big game, but be safe too!
https://sports.yahoo.com/agencies-organization-encouraging-safe-driving-045900694.html?guccounter=1&guce_referrer=aHR0cHM6Ly9sLmZhY2Vib29rLmNvbS8&guce_referrer_sig=AQAAAAYr_2T7qnIIGVuVyqtellimzC5lmO3qxH93f1lns1lfwsZkvOdf3-AKJ4QOHcV7t_mMdTmeZYErkHMjUOEu2-gyHt2ilLBneX_YQUYS0XotwDDx9rTXzCMIpEVGSUgX_dcBO5JRc397EhhXUqWJ-d5wNCdtMh7dCQex4QiB02NQ
February 2, 2023
We hope you don’t need this information but just in case
https://www.travelers.com/resources/auto/travel/what-to-do-if-your-car-breaks-down
While the weather is back and forth spring is on the way!
https://www.travelers.com/resources/home/maintenance/spring-home-maintenance-tips
February 16, 2023
If your sweetie got you an extra special Valentine’s gift, contact us today.
February 9, 2023
Have fun watching the big game, but be safe too!
https://sports.yahoo.com/agencies-organization-encouraging-safe-driving-045900694.html?guccounter=1&guce_referrer=aHR0cHM6Ly9sLmZhY2Vib29rLmNvbS8&guce_referrer_sig=AQAAAAYr_2T7qnIIGVuVyqtellimzC5lmO3qxH93f1lns1lfwsZkvOdf3-AKJ4QOHcV7t_mMdTmeZYErkHMjUOEu2-gyHt2ilLBneX_YQUYS0XotwDDx9rTXzCMIpEVGSUgX_dcBO5JRc397EhhXUqWJ-d5wNCdtMh7dCQex4QiB02NQ
February 2, 2023
We hope you don’t need this information but just in case
https://www.travelers.com/resources/auto/travel/what-to-do-if-your-car-breaks-down
January 31, 2023
We have a lot of standing water around, be careful.
https://www.cdc.gov/disasters/floods/floodsafety.html
January 30, 2023
Protect your vehicle at all times.
https://www.travelers.com/resources/auto/travel/how-to-protect-your-car-from-theft
January 25, 2023
There is no doubt severe weather made it through the Houston area yesterday.
https://abc13.com/amp/texas-tornado-emergency-timeline-pasadena-storm-damage-houston-severe-weather-flash-flooding/12732694/
January 10,2023
Resolutions for your home.
https://www.hgtv.com/lifestyle/clean-and-organize/5-new-years-resolutions-for-your-home
January 5, 2023
Does your vehicle needn’t ou to make a few resolutions?
https://gomechanic.in/blog/10-resolutions-you-need-to-make-as-a-car-owner/?amp=1
December 29, 2022
If you are in an area where fireworks can be enjoyed, here are safety tips!
https://www.nsc.org/community-safety/safety-topics/seasonal-safety/summer-safety/fireworks
We have a lot of standing water around, be careful.
https://www.cdc.gov/disasters/floods/floodsafety.html
January 30, 2023
Protect your vehicle at all times.
https://www.travelers.com/resources/auto/travel/how-to-protect-your-car-from-theft
January 25, 2023
There is no doubt severe weather made it through the Houston area yesterday.
https://abc13.com/amp/texas-tornado-emergency-timeline-pasadena-storm-damage-houston-severe-weather-flash-flooding/12732694/
January 10,2023
Resolutions for your home.
https://www.hgtv.com/lifestyle/clean-and-organize/5-new-years-resolutions-for-your-home
January 5, 2023
Does your vehicle needn’t ou to make a few resolutions?
https://gomechanic.in/blog/10-resolutions-you-need-to-make-as-a-car-owner/?amp=1
December 29, 2022
If you are in an area where fireworks can be enjoyed, here are safety tips!
https://www.nsc.org/community-safety/safety-topics/seasonal-safety/summer-safety/fireworks
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December 25, 2022
Happy Holidays to our family and friends! December 24, 2022 An article from a few years ago with helpful information! https://ktvl.com/amp/news/local/break-ins-could-be-avoided-by-breaking-down-gift-boxes December 21, 2022 A few tips as we prepare for plunging temperatures. https://www.travelers.com/resources/home/maintenance/how-to-prevent-frozen-pipes December 15, 2022 What to do if you are in an accident. https://www.travelers.com/resources/home/maintenance/how-to-prevent-frozen-pipes December 9, 2032 Be safe shopping in person or online December 4, 2022 Are you checking through this list each month? https://www.travelers.com/resources/home/maintenance/home-maintenance-checklist-10-easy-things-to-do-monthly December 1, 2022 Whether you are looking for a new used vehicle or something for the young driver in your family, check out these tips. https://www.travelers.com/resources/auto/maintenance/older-car-maintenance-in-5-steps November 26, 2022 Follow these safety rules when putting up your Christmas decor. https://www.cnet.com/pictures/christmas-light-safety-tips/ |
November 14, 2022
On Saturday, Doug participated in a Chili Cookoff at the American Legion. The event was a fundraiser for the Veterans. Doug cooked for 3 categories and took 3rd place in the chili! It was a great event and everyone had a great time! |
November 13, 2022
the last thing you want to worry about with your holiday budget is having to file an insurance claim or repurchase gifts.
https://www.elpasotimes.com/story/news/2019/11/29/6-el-paso-police-tips-keep-your-car-gifts-secure-during-holiday-shopping/4307507002/
November 11, 2022
Honoring our Veterans from all branches and thanking them today for their service.
the last thing you want to worry about with your holiday budget is having to file an insurance claim or repurchase gifts.
https://www.elpasotimes.com/story/news/2019/11/29/6-el-paso-police-tips-keep-your-car-gifts-secure-during-holiday-shopping/4307507002/
November 11, 2022
Honoring our Veterans from all branches and thanking them today for their service.
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November 6, 2022
Tips from Travelers on cleaning your vehicle! https://www.travelers.com/resources/auto/maintenance/how-to-detail-your-car-in-9-steps November 2, 2022 Get batteries for your smoke and carbon monoxide detectors this week to replace when you change your clocks. https://www.cpsc.gov/Newsroom/News-Releases/2023/Its-Time-to-Change-Smoke-and-Carbon-Monoxide-Alarm-Batteries-as-Daylight-Saving-Time-Ends October 29, 2022 Our friends at Travelers want you and your family to be safe this Halloween. https://www.travelers.com/resources/home/safety/halloween-safety-tips October 28, 2022 Check out these great tips about trick or treating safety for this Halloween! https://ymcactx.org/blog/5-trick-treating-safety-tips/ October 23, 2022 When you are making your weekend or renovation checklists, don’t forget childproofing. Even grandparents, aunts and uncles, and family friends may want to look through this list! https://www.travelers.com/resources/home/renovation/5-tips-for-childproofing-your-home October 20, 2022 Happiest of birthdays to Doug! Here is to another great year! October 16, 2022 A few things to remember about your favorite foliage in your front and backyards. https://www.travelers.com/resources/home/maintenance/tree-maintenance-and-care |
October 11, 2022
A week ago today, Doug and Debra attended a special dinner in Dallas sponsored by Travelers. It was a great dinner with lots of good conversations. |
October 10, 2022
Our Travelers Rep came to the office last week and brought us goodies to celebrate Travelers appreciation day! We got goodie bags with chocolate!
October 7, 2022
We try to make sure every one of our clients is insured the way they need to be.
Is Your Home Insured to Its Replacement Cost? | Travelers Insurance
October 1, 2022
Fall safety tips from the good ole Farmer’s Almanac.
Fall Weather Safety Tips - Farmers' Almanac - Plan Your Day. Grow Your Life. (farmersalmanac.com)
September 29, 2022
What exactly might your policy cover? If you aren’t sure or need your limits adjusted, call us.
What Does Homeowners Insurance Cover? | Travelers Insurance
September 25, 2022
Something to consider for parents of little ones. There may be emergency information in your phone, but if the phone is thrown around in an accident, it may not be accessible. Find a way to attach emergency information to your child's carseat in case they are in need of help after an accident.
September 23, 2022
Avoiding accidents is best.
7 Common Car Accidents and How to Help Avoid Them | Travelers Insurance
September 18, 2022
Technology is being created to make you safer on the road, but don’t forget to pay attention and drive defensively every mile of the way.
https://www.travelers.com/.../safe.../car-safety-technology
September 11, 2022
Never forget.
We try to make sure every one of our clients is insured the way they need to be.
Is Your Home Insured to Its Replacement Cost? | Travelers Insurance
October 1, 2022
Fall safety tips from the good ole Farmer’s Almanac.
Fall Weather Safety Tips - Farmers' Almanac - Plan Your Day. Grow Your Life. (farmersalmanac.com)
September 29, 2022
What exactly might your policy cover? If you aren’t sure or need your limits adjusted, call us.
What Does Homeowners Insurance Cover? | Travelers Insurance
September 25, 2022
Something to consider for parents of little ones. There may be emergency information in your phone, but if the phone is thrown around in an accident, it may not be accessible. Find a way to attach emergency information to your child's carseat in case they are in need of help after an accident.
September 23, 2022
Avoiding accidents is best.
7 Common Car Accidents and How to Help Avoid Them | Travelers Insurance
September 18, 2022
Technology is being created to make you safer on the road, but don’t forget to pay attention and drive defensively every mile of the way.
https://www.travelers.com/.../safe.../car-safety-technology
September 11, 2022
Never forget.
September 9, 2022
If you have a motorcycle, you need to make sure you are properly insured, just like any other vehicle.
https://www.travelers.com/personal.../motorcycle-insurance
September 7, 2022
Is your car on this list? What can you do about it?
The 10 vehicles most likely targeted for catalytic converter theft, and what cops are doing about it (yahoo.com)
September 9, 2022
If you have a motorcycle, you need to make sure you are properly insured, just like any other vehicle.
https://www.travelers.com/personal.../motorcycle-insurance
September 7, 2022
Is your car on this list? What can you do about it?
The 10 vehicles most likely targeted for catalytic converter theft, and what cops are doing about it (yahoo.com)
September 9, 2022
September 3, 2022
August 30, 2022
This recent news event happened here in the Houston area. Be careful when you are approaching and getting into your vehicles.
Houston mom hospitalized after touching a napkin left on her car (houstonchronicle.com)
This recent news event happened here in the Houston area. Be careful when you are approaching and getting into your vehicles.
Houston mom hospitalized after touching a napkin left on her car (houstonchronicle.com)
August 26, 2022
Travelers has great information about whether leasing a vehicle may be the right decision for you. If you have questions about your car insurance, whether you are leasing or buying, contact us today.
Leasing vs. Buying a Car: Pros and Cons | Travelers Insurance
Travelers has great information about whether leasing a vehicle may be the right decision for you. If you have questions about your car insurance, whether you are leasing or buying, contact us today.
Leasing vs. Buying a Car: Pros and Cons | Travelers Insurance
August 23, 2022
Do you have a fire safety plan for your home? What about your business? Do your kids know what to do if a fire starts at someone else's home or a store they are visiting?
Fire Safety and Prevention Plan for the Workplace | Travelers Insurance
Do you have a fire safety plan for your home? What about your business? Do your kids know what to do if a fire starts at someone else's home or a store they are visiting?
Fire Safety and Prevention Plan for the Workplace | Travelers Insurance
August 22, 2022
Did you know that Doug was born and raised in Houston? Doug graduated from Strake Jesuit College Preparatory, he is passionate about the education he received and loves contributing to the future of Strake Jesuit. Every year, the Crusader Fund provides resources that cover 11% of the school’s budget, enabling Strake Jesuit to extend its commitment to outstanding education through teaching, scholarship, and spiritual tradition. If you are interested in donating to the Crusader Fund visit-
https://strakejesuit.myschoolapp.com/page/make-a-gift...
August 19, 2022
Schools across the area have started or are starting!
https://flemingattorneys.com/what-is-the-speed-limit-in...
August 17, 2022
One organization near and dear to Doug’s heart is his Alma Mater, Texas A & M University. One of Doug's favorite ways to give back is to contribute to the Texas A&M Foundation.
If you are interested in donating please visit: https://www.txamfoundation.com/give.aspx Gig'em!
Did you know that Doug was born and raised in Houston? Doug graduated from Strake Jesuit College Preparatory, he is passionate about the education he received and loves contributing to the future of Strake Jesuit. Every year, the Crusader Fund provides resources that cover 11% of the school’s budget, enabling Strake Jesuit to extend its commitment to outstanding education through teaching, scholarship, and spiritual tradition. If you are interested in donating to the Crusader Fund visit-
https://strakejesuit.myschoolapp.com/page/make-a-gift...
August 19, 2022
Schools across the area have started or are starting!
https://flemingattorneys.com/what-is-the-speed-limit-in...
August 17, 2022
One organization near and dear to Doug’s heart is his Alma Mater, Texas A & M University. One of Doug's favorite ways to give back is to contribute to the Texas A&M Foundation.
If you are interested in donating please visit: https://www.txamfoundation.com/give.aspx Gig'em!
August 11, 2022
Continuing our reminders for back to school information, no matter how large or busy the road is, if it is undivided, traffic must stop in both directions.
Continuing our reminders for back to school information, no matter how large or busy the road is, if it is undivided, traffic must stop in both directions.
August 5, 2022
We have many different districts in the area and all have different start dates and times. It’s best to err on the side of caution and always follow school driving rules.
https://www.txdot.gov/.../distracted-driving/school.html
August 1, 2022
School is around the corner!
We have many different districts in the area and all have different start dates and times. It’s best to err on the side of caution and always follow school driving rules.
https://www.txdot.gov/.../distracted-driving/school.html
August 1, 2022
School is around the corner!
July 27, 2022
A smoke detector for your home is a great idea, unless it isn't installed properly or checked on a regular basis. See the information in the article linked below for ways to make sure you are getting the most out of this extra level of protection.
Smoke Alarm Maintenance Tips for Home Fire Safety (DIY) (familyhandyman.com)
July 25, 2022
From our friends at the YMCA-
July 25 is World Drowning Prevention Day.
An estimated 236,000 people drown every year, and drowning is among the leading causes of death for children aged 5-14 years. More than 90% of drowning deaths occur in rivers, lakes, wells, domestic water storage vessels and swimming pools in low- and middle-income counties, with children and adolescents in rural areas disproportionately affected. Swim lessons can reduce that risk by 88%!
July 20, 2022
Whether you are taking a day trip to Galveston, a week in Destin, or cruising around the Caribbean, stay safe at the beach!
Beach and Ocean Safety | American Red Cross
July 19, 2022
More summer driving tips to remember!
Whether you are taking a day trip to Galveston, a week in Destin, or cruising around the Caribbean, stay safe at the beach!
Beach and Ocean Safety | American Red Cross
July 19, 2022
More summer driving tips to remember!
July 17, 2022
Summer driving tips from our friends at Travelers.
July 14, 2022
Stay cool during this heat wave and make sure your home is prepped too.
https://www.travelers.com/.../summer-home-maintenance-tips
Stay cool during this heat wave and make sure your home is prepped too.
https://www.travelers.com/.../summer-home-maintenance-tips
July 8, 2022
Howdy,
Today we celebrated the Astros by some of our team members wearing their jerseys. We have lunch brought in every Friday to celebrate our team and NOT talk about work!
We ordered Chinese from Eastern on 34th in Houston it was YUMMY!
Recently we introduced a new benefit to our staff. Each Friday one of the staff leaves at 12:00 with pay! This way our team has time to do those things they cannot get done while they are at work! They can also enjoy brunches with friends or spend time with the family! We felt that this was a really nice way to show our appreciation to our staff.
Work-life Balance!
July 6, 2022
It feels like boating is becoming more and more popular as families and friends look for ways to spend more time together outside. Call us for information on the insurance you need and follow these safety tips from Travelers.
https://www.travelers.com/res.../boating/boating-safety-tips
July 3, 2022
Be Responsible.
June 27, 2022
This is a devastating part of the news. Share this information with others to prevent more tragedies from taking place.
https://www.familyeducation.com/life/heat-related-safety/preventing-hot-car-deaths-6-facts-tips-parents
This is a devastating part of the news. Share this information with others to prevent more tragedies from taking place.
https://www.familyeducation.com/life/heat-related-safety/preventing-hot-car-deaths-6-facts-tips-parents
June 26, 2022
While Houston can typically hunker down and shelter in place for most of hurricane season, it never hurts to have an evacuation plan in place, just in case.
https://www.ready.gov/evacuation
June 24, 2022
Your business needs to be prepared for hurricane season, too.
https://www.travelers.com/.../hurricane-preparedness-for...
June 21, 2022
Debra, Samantha, and I recently attended a Safeco event at St Arnold’s Brewery. They have a photo machine that emails the pictures to you with the backdrop of Houston, Texas. I am in one picture with Rob Neal, our Safeco Sr Territory Manager. And also in the picture with Brock Wagner the founder of St. Arnold’s Brewery.
We had a good time hearing about current events with Safeco and seeing the impressive facility that St Arnold’s has for entertainment and brewing.
While Houston can typically hunker down and shelter in place for most of hurricane season, it never hurts to have an evacuation plan in place, just in case.
https://www.ready.gov/evacuation
June 24, 2022
Your business needs to be prepared for hurricane season, too.
https://www.travelers.com/.../hurricane-preparedness-for...
June 21, 2022
Debra, Samantha, and I recently attended a Safeco event at St Arnold’s Brewery. They have a photo machine that emails the pictures to you with the backdrop of Houston, Texas. I am in one picture with Rob Neal, our Safeco Sr Territory Manager. And also in the picture with Brock Wagner the founder of St. Arnold’s Brewery.
We had a good time hearing about current events with Safeco and seeing the impressive facility that St Arnold’s has for entertainment and brewing.
June 18, 2022
Do you know your ABCs? What about the ABCs of first aid? If you haven’t learned them,
take a quick lesson here!
https://bit.ly/3MBTY4q
Do you know your ABCs? What about the ABCs of first aid? If you haven’t learned them,
take a quick lesson here!
https://bit.ly/3MBTY4q
June 14, 2022
If it’s not one thing, it’s another along the Gulf Coast. Having emergency kits is important for all, not just homeowners.
https://www.ready.gov/kit
June 9, 2022
What can you do to be more prepared?
https://www.travelers.com/resources/weather/hurricanes
June 5, 2022
Are you considering a home generator as a back up for storm season? See the tips below for how to keep your home and family safe while in use.
https://www.familyhandyman.com/.../10-tips-for-using-a.../
If it’s not one thing, it’s another along the Gulf Coast. Having emergency kits is important for all, not just homeowners.
https://www.ready.gov/kit
June 9, 2022
What can you do to be more prepared?
https://www.travelers.com/resources/weather/hurricanes
June 5, 2022
Are you considering a home generator as a back up for storm season? See the tips below for how to keep your home and family safe while in use.
https://www.familyhandyman.com/.../10-tips-for-using-a.../
June 3, 2022
Is your name on the list?
https://www.nhc.noaa.gov/aboutnames.shtml
June 1, 2022
Great information about Flood Insurance. Now is the time to buy if you need a policy.
https://www.travelers.com/home-insurance/flood-insurance
May 30, 2022
On this Memorial Day, we remember and honor.
Is your name on the list?
https://www.nhc.noaa.gov/aboutnames.shtml
June 1, 2022
Great information about Flood Insurance. Now is the time to buy if you need a policy.
https://www.travelers.com/home-insurance/flood-insurance
May 30, 2022
On this Memorial Day, we remember and honor.
May 28, 2022
Safety first this weekend.
Safety first this weekend.
May 26, 2022
While this may be a challenge, it’s best to follow the school zones, even if you are sure school is out. The zones with yellow flashing lights are usually up to date, but you don’t want to have to pay that hefty fine!
https://www.click2houston.com/.../ask-2-when-schools.../...
While this may be a challenge, it’s best to follow the school zones, even if you are sure school is out. The zones with yellow flashing lights are usually up to date, but you don’t want to have to pay that hefty fine!
https://www.click2houston.com/.../ask-2-when-schools.../...
May 25, 2022
Do you know the difference between a sound you should have checked out next time you are at the mechanic shop and a sound that means pull over immediately?
https://www.cartalk.com/content/top-10-signs-you-should-pull-over-immediately
Do you know the difference between a sound you should have checked out next time you are at the mechanic shop and a sound that means pull over immediately?
https://www.cartalk.com/content/top-10-signs-you-should-pull-over-immediately
May 23, 2022
See these great tips below for staying safe while enjoying your summer.
See these great tips below for staying safe while enjoying your summer.
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May 18, 2022
Last week, Doug treated our staff to a fabulous lunch at a local neighborhood restaurant, Aladdin’s!! The team did a great job taking care of our clients while we were away on vacation! |
May 14, 2022
Looking for something to do this weekend? Take some time to give your car some TLC. Some of these can be great learning opportunities for kids and grandkids too.
https://www.travelers.com/…/the-importance-of-regular-car-m…
Looking for something to do this weekend? Take some time to give your car some TLC. Some of these can be great learning opportunities for kids and grandkids too.
https://www.travelers.com/…/the-importance-of-regular-car-m…
May 11, 2022
Do you need to look over your coverage? Do you need to update a list of important contents? Do you need to chat with our team about your insurance needs?
https://www.travelers.com/resources/home/insuring/how-often-should-I-review-my-insurance-coverage
Do you need to look over your coverage? Do you need to update a list of important contents? Do you need to chat with our team about your insurance needs?
https://www.travelers.com/resources/home/insuring/how-often-should-I-review-my-insurance-coverage
May 9, 2022
A follow up from our post this weekend, do you know what items may need extra coverage and which ones wouldn't? Travelers has some advice.
https://www.travelers.com/resources/home/insuring/when-do-I-need-extra-insurance-for-jewelry-and-other-valuable-items
May 7, 2022
To all the women who act as moms in our lives, hope your day is special. And if you bought mom something that may need extra coverage, give our team a call.
May 6, 2022
Do you need Renter’s Insurance? Yes.
https://www.travelers.com/renters-insurance/discounts
A follow up from our post this weekend, do you know what items may need extra coverage and which ones wouldn't? Travelers has some advice.
https://www.travelers.com/resources/home/insuring/when-do-I-need-extra-insurance-for-jewelry-and-other-valuable-items
May 7, 2022
To all the women who act as moms in our lives, hope your day is special. And if you bought mom something that may need extra coverage, give our team a call.
May 6, 2022
Do you need Renter’s Insurance? Yes.
https://www.travelers.com/renters-insurance/discounts
May 3, 2022
In between packing your floaties and finding a kennel for the dog, check out these tips from Forbes to make sure your home is secure when you leave for summer vacation.
https://www.forbes.com/.../hom.../home-security-on-vacation/
May 1, 2022
Weighing the cost is important, call our team if you have questions about your coverage.
https://www.travelers.com/.../should-i-file-a-property...
April 29, 2022
If you have time this weekend go through this checklist to make sure you are covered and ready to go!
https://www.travelers.com/.../three-minute-home-security...
April 26, 2022
Everyone insists their dog is friendly, regardless of the breed, until someone gets bit. Dog bite claims are increasing and having a significant impact on insurance across the nation.
https://www.insurancejournal.com/.../2022/04/14/663029.htm
In between packing your floaties and finding a kennel for the dog, check out these tips from Forbes to make sure your home is secure when you leave for summer vacation.
https://www.forbes.com/.../hom.../home-security-on-vacation/
May 1, 2022
Weighing the cost is important, call our team if you have questions about your coverage.
https://www.travelers.com/.../should-i-file-a-property...
April 29, 2022
If you have time this weekend go through this checklist to make sure you are covered and ready to go!
https://www.travelers.com/.../three-minute-home-security...
April 26, 2022
Everyone insists their dog is friendly, regardless of the breed, until someone gets bit. Dog bite claims are increasing and having a significant impact on insurance across the nation.
https://www.insurancejournal.com/.../2022/04/14/663029.htm
April 24, 2022
You may have heard people talk about loss of use during Harvey or last year’s freeze. What is this and how does it impact you if your home is not accessible?
https://www.travelers.com/home.../coverage/loss-of-use
April 22, 2022
Why do we remind you for regular car maintenance? There are a lot of reasons.
https://www.travelers.com/.../the-importance-of-regular...
April 21, 2022
Your contractor can make or break your renovation. See these tips from Travelers for more information.
https://www.travelers.com/.../checklist-for-hiring-the...
You may have heard people talk about loss of use during Harvey or last year’s freeze. What is this and how does it impact you if your home is not accessible?
https://www.travelers.com/home.../coverage/loss-of-use
April 22, 2022
Why do we remind you for regular car maintenance? There are a lot of reasons.
https://www.travelers.com/.../the-importance-of-regular...
April 21, 2022
Your contractor can make or break your renovation. See these tips from Travelers for more information.
https://www.travelers.com/.../checklist-for-hiring-the...
April 18, 2022
Your dryer will work less effectively and could be a fire hazard if the lint trap isn’t cleaned properly. See this information for how to keep your appliance in tip top shape.
https://www.familyhandyman.com/.../dryer-lint-cleaning-tips/
April 14, 2022
Great tips for your older vehicle.
https://www.travelers.com/.../older-car-maintenance-in-5...
April 12, 2022
With all the pollen in the air, many of us are washing the outside and the inside of our cars more often. See the tips from Travelers for all those little spots you may miss.
https://www.travelers.com/.../how-to-detail-your-car-in-9...
April 7, 2022
The weekend weather has been gorgeous and we know many of our neighbors and friends are grilling to take advantage of the time outdoors. Here are a few tips from Travelers to make your grilling time a safe success.
https://www.travelers.com/.../the-science-of-gas-grill-fires
April 6, 2022
Texting is a huge distraction for all of us, but especially for our teen drivers. How can you keep everyone safe?
https://www.travelers.com/.../5-teen-texting-and-driving...
April 2, 2022
Plumbing issues can be a huge pain. A great way to protect your home is to fix an issue before the mess happens. See these tips from Travelers below.
https://www.travelers.com/.../common-signs-of-plumbing...
March 30, 2022
When should you buy flood insurance? If you don’t have it already, the answer is now. With the waiting period and tropical storm season approaching, now is a perfect time to call our office for your rates.
https://www.tdi.texas.gov/tips/flood-insurance-cost.html
March 23, 2022
This story about the recent storms that crossed Texas has caught the interest of a lot of us. Glad he was kept safe.
https://www.kxan.com/.../we-found-the-red-pickup.../amp/
Your dryer will work less effectively and could be a fire hazard if the lint trap isn’t cleaned properly. See this information for how to keep your appliance in tip top shape.
https://www.familyhandyman.com/.../dryer-lint-cleaning-tips/
April 14, 2022
Great tips for your older vehicle.
https://www.travelers.com/.../older-car-maintenance-in-5...
April 12, 2022
With all the pollen in the air, many of us are washing the outside and the inside of our cars more often. See the tips from Travelers for all those little spots you may miss.
https://www.travelers.com/.../how-to-detail-your-car-in-9...
April 7, 2022
The weekend weather has been gorgeous and we know many of our neighbors and friends are grilling to take advantage of the time outdoors. Here are a few tips from Travelers to make your grilling time a safe success.
https://www.travelers.com/.../the-science-of-gas-grill-fires
April 6, 2022
Texting is a huge distraction for all of us, but especially for our teen drivers. How can you keep everyone safe?
https://www.travelers.com/.../5-teen-texting-and-driving...
April 2, 2022
Plumbing issues can be a huge pain. A great way to protect your home is to fix an issue before the mess happens. See these tips from Travelers below.
https://www.travelers.com/.../common-signs-of-plumbing...
March 30, 2022
When should you buy flood insurance? If you don’t have it already, the answer is now. With the waiting period and tropical storm season approaching, now is a perfect time to call our office for your rates.
https://www.tdi.texas.gov/tips/flood-insurance-cost.html
March 23, 2022
This story about the recent storms that crossed Texas has caught the interest of a lot of us. Glad he was kept safe.
https://www.kxan.com/.../we-found-the-red-pickup.../amp/
March 21, 2022
There is a pretty big debate about SUVs and MiniVans. Which one do you prefer?
https://www.travelers.com/resources/auto/buying-selling/choosing-family-vehicle-suv-or-minivan
There is a pretty big debate about SUVs and MiniVans. Which one do you prefer?
https://www.travelers.com/resources/auto/buying-selling/choosing-family-vehicle-suv-or-minivan
March 17, 2022
If you are celebrating tonight, drive safe.
https://cw39.com/traffic/st-patricks-day-drinking-and-driving-in-houston/
If you are celebrating tonight, drive safe.
https://cw39.com/traffic/st-patricks-day-drinking-and-driving-in-houston/
March 14, 2022
Doug continued his participation in the Annual Gumbo Cook off on Saturday, March 12th, at the American Legion, Post 560.
Doug made spare ribs with mashed potatoes outside on the grill, and gumbo as well. He had a GREAT day!!
He took 1st place for the spare ribs and 3rd in the gumbo!!
Congratulations, Doug!!
Doug continued his participation in the Annual Gumbo Cook off on Saturday, March 12th, at the American Legion, Post 560.
Doug made spare ribs with mashed potatoes outside on the grill, and gumbo as well. He had a GREAT day!!
He took 1st place for the spare ribs and 3rd in the gumbo!!
Congratulations, Doug!!
March 12, 2022
Yesterday at our weekly Friday lunch, we awarded Laura Ledet a plaque thanking her for always going the extra mile to pick up our lunch!! With good service or bad service she always brings us lunch on Fridays.
Thank you Doug for feeding us all on Fridays!! Thank you from the team!
March 11, 2022
You may be considering a hybrid or partially hybrid car with rising gas prices, but check out this information first.
https://www.travelers.com/resources/auto/buying-selling/electric-cars-and-hybrid-cars-pros-and-cons
You may be considering a hybrid or partially hybrid car with rising gas prices, but check out this information first.
https://www.travelers.com/resources/auto/buying-selling/electric-cars-and-hybrid-cars-pros-and-cons
March 9, 2022
An incentive for the good grades your teen driver is already getting.
https://www.travelers.com/car-insurance/discounts/good-student
An incentive for the good grades your teen driver is already getting.
https://www.travelers.com/car-insurance/discounts/good-student
March 6, 2022
A great spring maintenance checklist for the next few weekends!
https://www.hgtv.com/.../10-home-maintenance-tips-for-spring
March 5, 2022
Schedule time to go through this checklist for each of your vehicles.
https://www.travelers.com/.../car-maintenance-checklist
March 2, 2022
Teenager in your home celebrating a birthday soon? Give us a call to add on another driver.
https://www.travelers.com/resources/auto/insuring/how-to-add-a-teens-car-to-your-insurance
A great spring maintenance checklist for the next few weekends!
https://www.hgtv.com/.../10-home-maintenance-tips-for-spring
March 5, 2022
Schedule time to go through this checklist for each of your vehicles.
https://www.travelers.com/.../car-maintenance-checklist
March 2, 2022
Teenager in your home celebrating a birthday soon? Give us a call to add on another driver.
https://www.travelers.com/resources/auto/insuring/how-to-add-a-teens-car-to-your-insurance
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February 27, 2022
Doug and some of our staff got the opportunity this week to visit with many carriers and vendors at the first in person tradeshow since 2019! There were lots of prizes, exhibits and opportunities to meet with our current carriers and speak with new ones. Thanks to the many sponsors, it was a great event! |
February 25, 2022
Not only will you feel better by following these car cleaning tips, but you can minimize your distractions and drive safer on the road.
https://www.familyhandyman.com/list/top-10-cleaning-tips-for-the-inside-of-your-car/
Not only will you feel better by following these car cleaning tips, but you can minimize your distractions and drive safer on the road.
https://www.familyhandyman.com/list/top-10-cleaning-tips-for-the-inside-of-your-car/
February 21, 2022
Smart technology can provide some great additional features to our homes. These safety tips from Travelers are an added perk!
https://www.travelers.com/resources/home/smart-home/smart-home-technology-in-fire-prevention-and-detection
Smart technology can provide some great additional features to our homes. These safety tips from Travelers are an added perk!
https://www.travelers.com/resources/home/smart-home/smart-home-technology-in-fire-prevention-and-detection
February 20, 2022
February 18, 2022
More great information from Travelers for features to consider when purchasing a new car. There are a lot of new features available!
https://www.travelers.com/resources/auto/buying-selling/high-tech-cars-new-in-car-safety-features
February 16, 2022
If you are in the market for a new car, with rising gas prices, you may wonder if now is the time to consider a hybrid. Check out the information below from our friends at Travelers before heading to the dealership.
https://www.travelers.com/resources/auto/buying-selling/4-things-to-consider-before-buying-a-hybrid-car
More great information from Travelers for features to consider when purchasing a new car. There are a lot of new features available!
https://www.travelers.com/resources/auto/buying-selling/high-tech-cars-new-in-car-safety-features
February 16, 2022
If you are in the market for a new car, with rising gas prices, you may wonder if now is the time to consider a hybrid. Check out the information below from our friends at Travelers before heading to the dealership.
https://www.travelers.com/resources/auto/buying-selling/4-things-to-consider-before-buying-a-hybrid-car
February 12, 2022
We are committed to the best for our clients and will work hard for each of you no matter what. But hearing great feedback is always a high point to our week.
“Congratulations! I remember clearly the first time I met you. I do not remember who referred you. It may have been the selling agent who sold us the house. You made an appointment to come to my house. Your competitors invited me to call back and make an appointment.
You showed up on time and brought all the appropriate paperwork. I signed on right then. I recall my husband being surprised that I was so pleased with the experience. I told him that you came here to serve.”
-Carole C.
February 9, 2022
Seems like everyone is buying a home in our market. If you are one of the first time home buyers, or if you need a refresher, see these tips from our friends at Travelers.
https://www.travelers.com/.../8-tips-for-first-time-home...
February 7, 2022
Travelers is a wealth of information for all of our clients. See the expansive list of FAQ linked below for Renters Insurance.
https://www.travelers.com/renters-insurance/faqs
We are committed to the best for our clients and will work hard for each of you no matter what. But hearing great feedback is always a high point to our week.
“Congratulations! I remember clearly the first time I met you. I do not remember who referred you. It may have been the selling agent who sold us the house. You made an appointment to come to my house. Your competitors invited me to call back and make an appointment.
You showed up on time and brought all the appropriate paperwork. I signed on right then. I recall my husband being surprised that I was so pleased with the experience. I told him that you came here to serve.”
-Carole C.
February 9, 2022
Seems like everyone is buying a home in our market. If you are one of the first time home buyers, or if you need a refresher, see these tips from our friends at Travelers.
https://www.travelers.com/.../8-tips-for-first-time-home...
February 7, 2022
Travelers is a wealth of information for all of our clients. See the expansive list of FAQ linked below for Renters Insurance.
https://www.travelers.com/renters-insurance/faqs
February 5, 2022
Space heaters can be especially useful for cold snaps like the one we are in right now, but we always want to emphasize safety. These tips from Travelers can make you toasty warm and safe in your home or at your office.
Space Heater Safety Tips | Travelers Insurance
Space heaters can be especially useful for cold snaps like the one we are in right now, but we always want to emphasize safety. These tips from Travelers can make you toasty warm and safe in your home or at your office.
Space Heater Safety Tips | Travelers Insurance
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February 2, 2022
Doug and Debra attended the annual Joe Vincent Conference in Austin Texas this last weekend. This was Doug’s 14th time to attend. We enjoyed seeing the great carriers we represent, our amazing team at the IIAT who put the event on, and all the agents from around the state. They provided informative speakers, continuing education, and plenty of delicious food! |
February 1, 20222
With colder weather near and hurricane season around the corner, you may be considering a generator. But using a generator safely is just as important as having one if you think it is important. See these tips from Travelers before.
Generator Safety | Travelers Insurance
With colder weather near and hurricane season around the corner, you may be considering a generator. But using a generator safely is just as important as having one if you think it is important. See these tips from Travelers before.
Generator Safety | Travelers Insurance
January 30, 2022
Three minutes could save you a lot of headache and worry. Check out this video from Travelers to find out how.
Three Minute Security Checklist (travelers.com)
Three minutes could save you a lot of headache and worry. Check out this video from Travelers to find out how.
Three Minute Security Checklist (travelers.com)
January 26, 2022
When is the best time to buy flood insurance? When you don't have it. Flooding is more likely at certain times of the year, but rising water can destroy your home in any month. Check out this article from Travelers and call us to see about covering your home.
Flood Insurance | Travelers Insurance
January 23, 2022
With the holidays behind us and Valentine’s around the corner, you may need to call us to make sure your new favorite piece of jewelry is covered.
https://www.travelers.com/home-insurance/coverage/jewelry
When is the best time to buy flood insurance? When you don't have it. Flooding is more likely at certain times of the year, but rising water can destroy your home in any month. Check out this article from Travelers and call us to see about covering your home.
Flood Insurance | Travelers Insurance
January 23, 2022
With the holidays behind us and Valentine’s around the corner, you may need to call us to make sure your new favorite piece of jewelry is covered.
https://www.travelers.com/home-insurance/coverage/jewelry
January 20, 2022
While you may not be thinking about trampolines or water features for your backyard, we all know warmer weather is around the corner. And this article from Travelers has useful reminders about fire pit safety as well, for these cold nights ahead.
Yard Safety | Travelers Insurance
While you may not be thinking about trampolines or water features for your backyard, we all know warmer weather is around the corner. And this article from Travelers has useful reminders about fire pit safety as well, for these cold nights ahead.
Yard Safety | Travelers Insurance
January 18, 2022
Some of our clients may want to consider Personal Property Coverage. If you aren't sure if this option is right for you, check out the link from Travelers below or give our team a call.
Personal Property Insurance | Travelers Insurance
Some of our clients may want to consider Personal Property Coverage. If you aren't sure if this option is right for you, check out the link from Travelers below or give our team a call.
Personal Property Insurance | Travelers Insurance
January 16, 2022
Whether you are looking for a place to plug in a space heater or worried about a flickering light, maintaining your electrical system is important for your home or business. Travelers has information in the link below.
https://www.travelers.com/.../electrical-safety-in-the-home
Whether you are looking for a place to plug in a space heater or worried about a flickering light, maintaining your electrical system is important for your home or business. Travelers has information in the link below.
https://www.travelers.com/.../electrical-safety-in-the-home
January 12, 2022
Rely on the experts from Travelers to look for some unknown concerns on your property.
Top Ways Things Can Go Wrong & How to Help Protect Your Home | Travelers Insurance
Rely on the experts from Travelers to look for some unknown concerns on your property.
Top Ways Things Can Go Wrong & How to Help Protect Your Home | Travelers Insurance
January 10, 2022
Water damage can and should be mitigated to prevent further issues, but there are a few ways to help prevent it from happening in the first place.
How to Help Prevent Water Damage | Travelers Insurance
Water damage can and should be mitigated to prevent further issues, but there are a few ways to help prevent it from happening in the first place.
How to Help Prevent Water Damage | Travelers Insurance
January 8, 2022
We know a number of people who have come down with sickness very recently. We are wishing everyone a safe and speedy recovery. If you are stuck at home and looking for some projects to do, our friends at Travelers have a few tips for how to fill your time.
Coronavirus: 10 Smart Things to Do While You're Stuck at Home | Travelers Insurance
January 6, 2022
This is great information from Travelers about how your fence may or may not be covered from damage.
Does Homeowners Insurance Cover Fences? | Travelers Insurance
We know a number of people who have come down with sickness very recently. We are wishing everyone a safe and speedy recovery. If you are stuck at home and looking for some projects to do, our friends at Travelers have a few tips for how to fill your time.
Coronavirus: 10 Smart Things to Do While You're Stuck at Home | Travelers Insurance
January 6, 2022
This is great information from Travelers about how your fence may or may not be covered from damage.
Does Homeowners Insurance Cover Fences? | Travelers Insurance
January 3, 2022
Anyone else feeling the stress of this extreme cold and remembering our week long freeze last year? Use it as a reminder of what you need to take care of to be better prepared if it happens again!
14 Ways to Prepare for the Next Winter Freeze – Texas Monthly
Anyone else feeling the stress of this extreme cold and remembering our week long freeze last year? Use it as a reminder of what you need to take care of to be better prepared if it happens again!
14 Ways to Prepare for the Next Winter Freeze – Texas Monthly
January 1, 2022
Happy New Year1
Happy New Year1
December 31, 2021
However you are celebrating tonight, be safe!
» New Years Eve Safety Tips (americansafetycouncil.com)
December 30, 2021
Taking pictures of your contents on a regular basis can help you if you need to make a claim. High ticket items and appliances should also be tracked by keeping your receipt and model information handy. If you have an item you think you may need an additional policy for, give us a call.
Be sure to photograph your Christmas gifts for insurance purposes (ricksdailytips.com)
Taking pictures of your contents on a regular basis can help you if you need to make a claim. High ticket items and appliances should also be tracked by keeping your receipt and model information handy. If you have an item you think you may need an additional policy for, give us a call.
Be sure to photograph your Christmas gifts for insurance purposes (ricksdailytips.com)
December 22, 2021
Yesterday we had our annual Christmas party and we felt so fortunate to be able to bring it back to our home!!
Doug did all the cooking and it was WONDERFUL!! Everyone got lots to eat, drink and open!!
MERRY CHRISTMAS FROM OUR HOUSE TO YOURS!!
HAPPY HOLIDAYS AND HAPPY NEW YEAR! BRING ON 2022!!
Yesterday we had our annual Christmas party and we felt so fortunate to be able to bring it back to our home!!
Doug did all the cooking and it was WONDERFUL!! Everyone got lots to eat, drink and open!!
MERRY CHRISTMAS FROM OUR HOUSE TO YOURS!!
HAPPY HOLIDAYS AND HAPPY NEW YEAR! BRING ON 2022!!
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December 17, 2021
Today the staff and Doug dressed in Christmas shirts. Doug made breakfast for us as well. Grits with scrambled eggs! It was yummy !! Next week we will be having our annual Christmas party for the team. Stay tuned for more good food and pictures to come. Have a great weekend y’all!! |
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December 14, 2021
The tornadoes that recently ripped through the southern portion of the United States are proving to be devastating in a number of ways. Early projections show, however, that the estimated damage of $3 billion should be absorbed by insurers for those carrying the coverage needed. As we know in our area, there may be supply chain and inflation issues that come with such a large concentration of rebuilding at the same time.
AM Best Sees Tornado Losses as Manageable for Insurers (insurancejournal.com)
December 12, 2021
Do you know all the best driving tips for winter weather? Take this quiz to see. Don’t worry, our team won’t see your results!
https://www.travelers.com/…/Safe-drivi…/winter-driving-quiz…
The tornadoes that recently ripped through the southern portion of the United States are proving to be devastating in a number of ways. Early projections show, however, that the estimated damage of $3 billion should be absorbed by insurers for those carrying the coverage needed. As we know in our area, there may be supply chain and inflation issues that come with such a large concentration of rebuilding at the same time.
AM Best Sees Tornado Losses as Manageable for Insurers (insurancejournal.com)
December 12, 2021
Do you know all the best driving tips for winter weather? Take this quiz to see. Don’t worry, our team won’t see your results!
https://www.travelers.com/…/Safe-drivi…/winter-driving-quiz…
December 9, 2021
While we don't have to worry too much about snow, at least not that frequently, we do need to worry about driving on ice or slush from time to time down here along the Gulf Coast. Travelers has extra information for you to keep your loved ones and others safe!
Winter Driving Safety Tips | Travelers Insurance
While we don't have to worry too much about snow, at least not that frequently, we do need to worry about driving on ice or slush from time to time down here along the Gulf Coast. Travelers has extra information for you to keep your loved ones and others safe!
Winter Driving Safety Tips | Travelers Insurance
December 8, 2021
We don't know this company in Ohio, but we love how they assessed the damage done in one of our favorite holiday movies, Home Alone. Check out the article to see what repairs they would recommend after a run in with Kevin and The Wet Bandits.
The Reality of the Traps in Home Alone | Brock Restoration
We don't know this company in Ohio, but we love how they assessed the damage done in one of our favorite holiday movies, Home Alone. Check out the article to see what repairs they would recommend after a run in with Kevin and The Wet Bandits.
The Reality of the Traps in Home Alone | Brock Restoration
December 2, 2021
What matters to you, matters to Travelers, and matters to us at Douglas B. Johnson Insurance.
Travelers Commercials | Travelers Insurance
What matters to you, matters to Travelers, and matters to us at Douglas B. Johnson Insurance.
Travelers Commercials | Travelers Insurance
December 1, 2021
More holiday safety tips from our friends at Travelers.
Holiday Fire Safety Tips [Infographic] | Travelers Insurance
More holiday safety tips from our friends at Travelers.
Holiday Fire Safety Tips [Infographic] | Travelers Insurance
November 29, 2021
However you celebrate, be safe.
However you celebrate, be safe.
November 25, 2021
Happy Thanksgiving from our team to all of our clients, family, and friends!
November 22, 2021
For those of you doing holiday shopping in person, especially this weekend, here are more safety tips from Dallas authorities.
Dallas police launch holiday shopping safety plan | wfaa.com
For those of you doing holiday shopping in person, especially this weekend, here are more safety tips from Dallas authorities.
Dallas police launch holiday shopping safety plan | wfaa.com
November 21, 2021
If you are doing most of your holiday shopping online, see these cyber safety tips to keep your information secure! And make sure to be careful with those package deliveries!
10 Safety Tips to Protect Yourself Shopping Online | SafeWise
If you are doing most of your holiday shopping online, see these cyber safety tips to keep your information secure! And make sure to be careful with those package deliveries!
10 Safety Tips to Protect Yourself Shopping Online | SafeWise
November 18, 2021
We had a great feast today, everyone made something homemade and it was delicious!! We dressed in our pajamas to make room for all the food!!
We had a great feast today, everyone made something homemade and it was delicious!! We dressed in our pajamas to make room for all the food!!
November 17, 2021
We post it every year, if you are planning to Fry your turkey, please be safe. And save us some!
https://www.pbs.org/…/five-safety-tips-for-deep-frying-tur…/
We post it every year, if you are planning to Fry your turkey, please be safe. And save us some!
https://www.pbs.org/…/five-safety-tips-for-deep-frying-tur…/
November 14, 2021
If you are one of the thousands planning to travel for Thanksgiving this year, you probably have a to-do list several pages long. Make sure these tips from the Red Cross are included.
Thanksgiving Holiday Safety - Red Cross Offers Travel Tips & More
If you are one of the thousands planning to travel for Thanksgiving this year, you probably have a to-do list several pages long. Make sure these tips from the Red Cross are included.
Thanksgiving Holiday Safety - Red Cross Offers Travel Tips & More
November 12, 2021
We know the housing market is proving to be a fast paced environment here in the Houston area right now. If you are one of the many people who is moving, see these tips from Travelers.
https://www.travelers.com/…/m…/moving-to-new-house-checklist
We know the housing market is proving to be a fast paced environment here in the Houston area right now. If you are one of the many people who is moving, see these tips from Travelers.
https://www.travelers.com/…/m…/moving-to-new-house-checklist
November 11, 2021
Honoring all who have served, thank you.
November 8, 2021
Have you heard about loss of use coverage? This quick video from Travelers will provide extra insight into what that covers. If you have questions about your policy, with Travelers or one of our other providers, call our offices today.
What Is Loss of Use Coverage? - Bing video
Have you heard about loss of use coverage? This quick video from Travelers will provide extra insight into what that covers. If you have questions about your policy, with Travelers or one of our other providers, call our offices today.
What Is Loss of Use Coverage? - Bing video
November 6, 2021
Want to do what you can to protect your home from burglary? See the article below for a few helpful places to start.
How to Protect Your Home From Burglars | US News
November 4, 2021
Travelers answers some of the most frequently asked questions about car insurance. If you have questions about your coverage, contact our team today.
https://www.travelers.com/car-insurance/faqs
November 2, 2021
Do you need insurance if you are renting? Short answer is yes, but here is more information on why.
https://www.travelers.com/…/why-you-need-a-renters-insuranc…
Want to do what you can to protect your home from burglary? See the article below for a few helpful places to start.
How to Protect Your Home From Burglars | US News
November 4, 2021
Travelers answers some of the most frequently asked questions about car insurance. If you have questions about your coverage, contact our team today.
https://www.travelers.com/car-insurance/faqs
November 2, 2021
Do you need insurance if you are renting? Short answer is yes, but here is more information on why.
https://www.travelers.com/…/why-you-need-a-renters-insuranc…
October 31, 2021
A few tips and tricks to stay safe tonight, no matter what your plans are.
https://www.google.com/amp/s/www.fox61.com/amp/article/news/local/trick-or-treating-safety-tips-everyone-should-follow/520-b6a3186a-0804-4330-9036-2eea2670d721
October 29, 2021
As if getting your teenager out on the road wasn’t stressful enough, you have to consider insurance needs too. Call our office to handle the details while you teach them the rules of the road.
How to Add a Teen's Car to Your Insurance | Travelers Insurance
A few tips and tricks to stay safe tonight, no matter what your plans are.
https://www.google.com/amp/s/www.fox61.com/amp/article/news/local/trick-or-treating-safety-tips-everyone-should-follow/520-b6a3186a-0804-4330-9036-2eea2670d721
October 29, 2021
As if getting your teenager out on the road wasn’t stressful enough, you have to consider insurance needs too. Call our office to handle the details while you teach them the rules of the road.
How to Add a Teen's Car to Your Insurance | Travelers Insurance
October 26, 2021
At the top of this list of fall home maintenance recommendations from Travelers is to check your heating system. If you need a tune up, a repair, or a replacement, you don't want to wait in line once the cold weather really hits.
Fall Home Maintenance Tips | Travelers Insurance
At the top of this list of fall home maintenance recommendations from Travelers is to check your heating system. If you need a tune up, a repair, or a replacement, you don't want to wait in line once the cold weather really hits.
Fall Home Maintenance Tips | Travelers Insurance
October 24, 2021
Our area is still assessing the impact of the winter storms we faced. From supply chain issues to insurance claims, the numbers are still adding up.
Report: More than 456.5K Claims Filed in Texas After Winter Storm (insurancejournal.com)
Our area is still assessing the impact of the winter storms we faced. From supply chain issues to insurance claims, the numbers are still adding up.
Report: More than 456.5K Claims Filed in Texas After Winter Storm (insurancejournal.com)
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October 21, 2021
Our little soccer team sponsored by DBJ INS Team Name: Pandas Headcount: 6 ODC had record headcount this season with 296 kids and 34 teams playing! |
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October 20, 2021 Today was Doug's birthday! The staff had a great time celebrating with lunch on this day. |
October 18, 2021
Even if you aren't planning on a road trip anytime soon, you need an emergency kit in each of your vehicles. See the article from the National Security Council, linked below, to see what you need to pack, just in case.
Emergency Car Kit - National Safety Council (nsc.org)
Even if you aren't planning on a road trip anytime soon, you need an emergency kit in each of your vehicles. See the article from the National Security Council, linked below, to see what you need to pack, just in case.
Emergency Car Kit - National Safety Council (nsc.org)
October 14, 2021
Forget Spring Cleaning, Fall is a great time to check off these tasks from Travelers.
Fall Home Maintenance Tips | Travelers Insurance
Forget Spring Cleaning, Fall is a great time to check off these tasks from Travelers.
Fall Home Maintenance Tips | Travelers Insurance
October 13, 2021
Whether you can tackle some of these projects yourself or you need to hire it out, make sure your trees are trimmed to protect your property.
https://www.travelers.com/…/maint…/tree-maintenance-and-care
Whether you can tackle some of these projects yourself or you need to hire it out, make sure your trees are trimmed to protect your property.
https://www.travelers.com/…/maint…/tree-maintenance-and-care
October 10, 2021
As your kids and grandkids begin telling you about their first pick for Halloween costumes this year, then changing their mind, then changing it again, you may want to keep these helpful tips in mind to keep them safe while enjoying the fun.
Halloween - National Safety Council (nsc.org)
As your kids and grandkids begin telling you about their first pick for Halloween costumes this year, then changing their mind, then changing it again, you may want to keep these helpful tips in mind to keep them safe while enjoying the fun.
Halloween - National Safety Council (nsc.org)
October 8, 2021
The best fire extinguisher is the one you know how to use. That being said, there are some that are ranked higher for different reasons. See the article below for the best choices to have on hand in the case of an emergency.
The 6 Best Fire Extinguishers of 2021 (thespruce.com)
October 7, 2021
Outdoor fire pits are growing in popularity and can be a great place to enjoy cool… well, cooler weather. Check out these safety tips before using yours!
Fire Pit Safety Tips | HGTV
The best fire extinguisher is the one you know how to use. That being said, there are some that are ranked higher for different reasons. See the article below for the best choices to have on hand in the case of an emergency.
The 6 Best Fire Extinguishers of 2021 (thespruce.com)
October 7, 2021
Outdoor fire pits are growing in popularity and can be a great place to enjoy cool… well, cooler weather. Check out these safety tips before using yours!
Fire Pit Safety Tips | HGTV
October 6, 2021
Who is at fault in an accident can be hard to figure out under the best circumstances. Who pays out when the car isn't even yours can be even trickier. This article from Forbes gives good insight to general rules, although there are sometimes exceptions.
Who Pays If Your Friend Crashes Your Car? – Forbes Advisor
Who is at fault in an accident can be hard to figure out under the best circumstances. Who pays out when the car isn't even yours can be even trickier. This article from Forbes gives good insight to general rules, although there are sometimes exceptions.
Who Pays If Your Friend Crashes Your Car? – Forbes Advisor
October 5, 2021
We often get questions about when kids can sit in the front seat. This article gives great information and laws for how long they need to stay in the backseat which is much safer for their growing bodies.
https://www.safewise.com/faq/child-baby-safety/kids-in-frontseat/
We often get questions about when kids can sit in the front seat. This article gives great information and laws for how long they need to stay in the backseat which is much safer for their growing bodies.
https://www.safewise.com/faq/child-baby-safety/kids-in-frontseat/
October 4, 2021
Security systems have received a lot of upgrades over the years. See the article linked below to learn about all the extra features you could add in to your standard alarm.
7 High-Tech Features To Look For In A Home Security System | SecurityNerd
Security systems have received a lot of upgrades over the years. See the article linked below to learn about all the extra features you could add in to your standard alarm.
7 High-Tech Features To Look For In A Home Security System | SecurityNerd
October 3, 2021
There are many reasons to invest in a home security system, beyond sounding an alarm during a burglary.
8 Benefits to Owning a Home Security System | SafeWise
There are many reasons to invest in a home security system, beyond sounding an alarm during a burglary.
8 Benefits to Owning a Home Security System | SafeWise
October 2, 2021
The Holiday season is around the corner, make sure you call us if you have any big ticket items on your shopping list that we need to adjust your policy for.
Jewelry & Engagement Ring Insurance | Travelers Insurance
The Holiday season is around the corner, make sure you call us if you have any big ticket items on your shopping list that we need to adjust your policy for.
Jewelry & Engagement Ring Insurance | Travelers Insurance
October 1, 2021
Since you are breaking out the grill after our post yesterday, make sure you have a fire extinguisher and that you know how to use it!
How to Use a Fire Extinguisher | Travelers Insurance
Since you are breaking out the grill after our post yesterday, make sure you have a fire extinguisher and that you know how to use it!
How to Use a Fire Extinguisher | Travelers Insurance
September 30, 2021
It is football season and gorgeous weather has arrived, grilling time is here! Travelers has a few grilling tips beyond making sure you don’t overcook your steaks!
Grilling Safety Tips | Travelers Insurance
It is football season and gorgeous weather has arrived, grilling time is here! Travelers has a few grilling tips beyond making sure you don’t overcook your steaks!
Grilling Safety Tips | Travelers Insurance
September 29, 2021
Water damage can happen to a home beyond flooding or a leaky roof. See the article below for tips on how to protect your home.
How to Help Prevent Water Damage | Travelers Insurance
Water damage can happen to a home beyond flooding or a leaky roof. See the article below for tips on how to protect your home.
How to Help Prevent Water Damage | Travelers Insurance
September 28, 2021
Does your business have a fire safety plan?
Fire Safety and Prevention Plan for the Workplace | Travelers Insurance
Does your business have a fire safety plan?
Fire Safety and Prevention Plan for the Workplace | Travelers Insurance
September 28, 2021
Ready for Fall, keep an eye on our page for updates and team photo's. Doug and Debra will be attending several football games in October! Friday's we will start wearing our favorite sports team polos and jersey's.
We have some anniversary's as well! We will post the individual and how long they have been working with us.
Ready for Fall, keep an eye on our page for updates and team photo's. Doug and Debra will be attending several football games in October! Friday's we will start wearing our favorite sports team polos and jersey's.
We have some anniversary's as well! We will post the individual and how long they have been working with us.
September 27, 2021
An update from FEMA. Call our team if you have any questions.
An update from FEMA. Call our team if you have any questions.
September 26, 2021
This article from Travelers is a little longer than most, but it has great information for those of you want to prepare for some larger issues they could encounter at their home. Let us know if you have any questions on what your policy covers.
Top Ways Things Can Go Wrong & How to Help Protect Your Home | Travelers Insurance
This article from Travelers is a little longer than most, but it has great information for those of you want to prepare for some larger issues they could encounter at their home. Let us know if you have any questions on what your policy covers.
Top Ways Things Can Go Wrong & How to Help Protect Your Home | Travelers Insurance
September 13, 2021
As we look to the skies and watch the roads, stay home if you can and turn around if you encounter high water.
September 13, 2021
As we look to the skies and watch the roads, stay home if you can and turn around if you encounter high water.
September 11, 2021
We will always remember. We will never forget.
We will always remember. We will never forget.
September 9, 2021
Halfway through a power outage, or maybe even earlier, we always find ourselves saying we should have gotten a generator for our home. Check out this information from Travelers for reasons why a generator can be a helpful extra to have.
10 Reasons to Get a Home Generator | Travelers Insurance
September 5, 2021
Windshield wiper blades do so much to keep you and other drivers safe. Check out this information on when to change yours.
https://www.rainx.com/wiper-blade-information-maintenance/
September 3, 2021
Interesting question, what do you think before you watch the video?
Ask 2: Is it illegal to park your car in front of someone else’s property? (click2houston.com)
August 23, 2021
We love seeing back to school pictures, but be careful about what information you are putting out there about your children. Thank you to the McHenry County Sheriff’s Office for this great reminder.
Halfway through a power outage, or maybe even earlier, we always find ourselves saying we should have gotten a generator for our home. Check out this information from Travelers for reasons why a generator can be a helpful extra to have.
10 Reasons to Get a Home Generator | Travelers Insurance
September 5, 2021
Windshield wiper blades do so much to keep you and other drivers safe. Check out this information on when to change yours.
https://www.rainx.com/wiper-blade-information-maintenance/
September 3, 2021
Interesting question, what do you think before you watch the video?
Ask 2: Is it illegal to park your car in front of someone else’s property? (click2houston.com)
August 23, 2021
We love seeing back to school pictures, but be careful about what information you are putting out there about your children. Thank you to the McHenry County Sheriff’s Office for this great reminder.
|
August 22, 2021 Friendly reminders from CFISD Police Department for Back to School |
August 20, 2021
Planning to move? Get 30 things to do for 30 days to help make your move easier. http://tkpl.us/i9rh6
August 19, 2021
Warning for our local drivers, you may want to find an alternate route or two if this impacts your plans!
Houston's U.S. 59 will close entirely this weekend (msn.com)
August 18, 2021
Pay attention on the roads, someone else may not be!
Planning to move? Get 30 things to do for 30 days to help make your move easier. http://tkpl.us/i9rh6
August 19, 2021
Warning for our local drivers, you may want to find an alternate route or two if this impacts your plans!
Houston's U.S. 59 will close entirely this weekend (msn.com)
August 18, 2021
Pay attention on the roads, someone else may not be!
August 13, 2021
Use this checklist as a guide when selecting a contractor for your next home renovation. http://tkpl.us/i870u
August 12, 2021
Our friends at Travelers have great tips about changes to your home that may impact your insurance. If you are making changes to your home, give us a call to see if we need to adjust your policy.
6 Home Renovations that Can Affect Your Insurance [Video] | Travelers Insurance
August 7, 2021
From Debra- I was talking with a client about a year back. He left his vehicle for repairs at a dealership, no one asked him or informed him they would be driving his car off the property.
An employee (from the dealership) took the car for a test drive onto the feeder road, where he hit another car. The car owner was told that the dealership doesn’t have coverage for this and that the owner would be responsible for the damage to both cars! The damage was quite extreme and costly. Be careful who you leave your vehicle with.
KPRC 2 Investigates: SUV left at dealership for first oil change totaled; Owner told dealership not responsible, so who is? (click2houston.com)
August 6, 2021
Moving? Use this three-step packing process from Travelers for a smoother transition to your new home.#ThinkSafe
http://tkpl.us/i63g6
August 4, 2021
While our clients on the Gulf Coast are pretty informed about hurricanes, it doesn't hurt to read a refresher article.
Hurricane Survival Guide: What to Do During and After the Storm | Travelers Insurance
July 30, 2021
You can never be too prepared for a hurricane. Get tips from Travelers. #ThinkSafe http://tkpl.us/i3wro
July 23, 2021
Great reminders from Texas Children’s on how to keep our kids safe around the pool!
Water & Pool Safety | Summer Safety | Sponsored by Texas Children's Health Plan (texaschildrenshealthplan.org)
July 16, 2021
Are you prepared for a severe storm this #HurricaneSeason? One thing is for sure: Having the proper provisions can help make a difficult scenario safer. Find more items to put on your emergency prep checklist: http://tkpl.us/hzufi
July 15, 2021
Wondering where to start when it comes to decluttering your home for sale? Here are 5 steps to help make the process more manageable. http://tkpl.us/hzufc
July 12, 2021
A few hurricane tips for all of us along the Gulf Coast and in the Houston area.
Hurricane Facts and Safety Tips [Infographic] | Travelers Insurance
July 10, 2021
A tire blowout can be frightening and potentially dangerous. Staying calm is the first step. Get tips on what you can do from Travelers. #ThinkSafe
http://tkpl.us/hy700
July 4, 2021
Celebrate in a safe way today and tonight! Happy Fourth to all of our clients and friends.
Use this checklist as a guide when selecting a contractor for your next home renovation. http://tkpl.us/i870u
August 12, 2021
Our friends at Travelers have great tips about changes to your home that may impact your insurance. If you are making changes to your home, give us a call to see if we need to adjust your policy.
6 Home Renovations that Can Affect Your Insurance [Video] | Travelers Insurance
August 7, 2021
From Debra- I was talking with a client about a year back. He left his vehicle for repairs at a dealership, no one asked him or informed him they would be driving his car off the property.
An employee (from the dealership) took the car for a test drive onto the feeder road, where he hit another car. The car owner was told that the dealership doesn’t have coverage for this and that the owner would be responsible for the damage to both cars! The damage was quite extreme and costly. Be careful who you leave your vehicle with.
KPRC 2 Investigates: SUV left at dealership for first oil change totaled; Owner told dealership not responsible, so who is? (click2houston.com)
August 6, 2021
Moving? Use this three-step packing process from Travelers for a smoother transition to your new home.#ThinkSafe
http://tkpl.us/i63g6
August 4, 2021
While our clients on the Gulf Coast are pretty informed about hurricanes, it doesn't hurt to read a refresher article.
Hurricane Survival Guide: What to Do During and After the Storm | Travelers Insurance
July 30, 2021
You can never be too prepared for a hurricane. Get tips from Travelers. #ThinkSafe http://tkpl.us/i3wro
July 23, 2021
Great reminders from Texas Children’s on how to keep our kids safe around the pool!
Water & Pool Safety | Summer Safety | Sponsored by Texas Children's Health Plan (texaschildrenshealthplan.org)
July 16, 2021
Are you prepared for a severe storm this #HurricaneSeason? One thing is for sure: Having the proper provisions can help make a difficult scenario safer. Find more items to put on your emergency prep checklist: http://tkpl.us/hzufi
July 15, 2021
Wondering where to start when it comes to decluttering your home for sale? Here are 5 steps to help make the process more manageable. http://tkpl.us/hzufc
July 12, 2021
A few hurricane tips for all of us along the Gulf Coast and in the Houston area.
Hurricane Facts and Safety Tips [Infographic] | Travelers Insurance
July 10, 2021
A tire blowout can be frightening and potentially dangerous. Staying calm is the first step. Get tips on what you can do from Travelers. #ThinkSafe
http://tkpl.us/hy700
July 4, 2021
Celebrate in a safe way today and tonight! Happy Fourth to all of our clients and friends.
July 3, 2021
Packing and moving can be stressful enough. Get 5 tips for moving that won’t stress your wallet, too. http://tkpl.us/hvrq6
July 2, 2021
The staff all dressed in red, white, and blue to celebrate our Independence Day. They also had a Bar B Q lunch from Demeris Bar B Q and headed out a little early today to start their 4th of July weekend.
Happy Fourth to all of our clients and friends, from the Johnson Insurance Agency!
June 30, 2021
Whether headed to grandmas or making a trek across country, look over these tips for how to pack your car safely!
How to Pack a Car Safely | Travelers Insurance
June 28, 2021
Travelers has great tips on all the spaces of your home, including the outdoor settings!
Yard Safety | Travelers Insurance
June 25, 2021
Getting ready to buy your first home? Here’s a handy first-time home buyer checklist from Travelers to help. http://tkpl.us/hsvqo
June 23, 2021
Be careful on those roads.
TxDOT: Houston roads, highways and streets are not as safe as they used to be because of aggressive drivers (fox26houston.com)
June 20, 2021
To all of our clients and friends who are dads in a number of ways, we wish you a Happy Father’s Day today.
Whether headed to grandmas or making a trek across country, look over these tips for how to pack your car safely!
How to Pack a Car Safely | Travelers Insurance
June 28, 2021
Travelers has great tips on all the spaces of your home, including the outdoor settings!
Yard Safety | Travelers Insurance
June 25, 2021
Getting ready to buy your first home? Here’s a handy first-time home buyer checklist from Travelers to help. http://tkpl.us/hsvqo
June 23, 2021
Be careful on those roads.
TxDOT: Houston roads, highways and streets are not as safe as they used to be because of aggressive drivers (fox26houston.com)
June 20, 2021
To all of our clients and friends who are dads in a number of ways, we wish you a Happy Father’s Day today.
June 19, 2021
Planning a summer road trip? Check out the link below for a few things to consider before hitting the road!
Family Road Trip Safety Tips: 8 Things You Should Know | SELF
June 18, 2021
Becoming “Grill Master” starts with knowing the ins and outs of grilling safety. Own this year’s BBQ by familiarizing yourself with some helpful tips from
Travelers. http://tkpl.us/hqzbc
June 13, 2021
Do you need new wiper blades? The answer is probably yes!
https://www.familyhandyman.com/article/best-wiper-blades/
June 12, 2021
While traffic certainly looked different this past year, not every statistic dropped.
U.S. Traffic Deaths Spiked in 2020, Even as People Drove Less (gizmodo.com)
June 8, 2021
#BoatingSeason is in full effect and safety should be at the helm during every voyage. Keep these safety tips in tow to help protect your vessel, your crew and yourself: http://tkpl.us/hovkc
June 4, 2021
Sometimes, the most fun can be had in your own backyard. Here are tips from Travelers to help you enjoy your space safely. http://tkpl.us/ho7mc
June 2, 2021
Safety while driving is the most important and these hands free devices can help you be in compliance with local laws too. Paying attention to the road is your first priority.
10 Hands-Free Driving Devices You Need in Your Car Now | Family Handyman
May 31, 2021
In honor of those who gave their lives.
Planning a summer road trip? Check out the link below for a few things to consider before hitting the road!
Family Road Trip Safety Tips: 8 Things You Should Know | SELF
June 18, 2021
Becoming “Grill Master” starts with knowing the ins and outs of grilling safety. Own this year’s BBQ by familiarizing yourself with some helpful tips from
Travelers. http://tkpl.us/hqzbc
June 13, 2021
Do you need new wiper blades? The answer is probably yes!
https://www.familyhandyman.com/article/best-wiper-blades/
June 12, 2021
While traffic certainly looked different this past year, not every statistic dropped.
U.S. Traffic Deaths Spiked in 2020, Even as People Drove Less (gizmodo.com)
June 8, 2021
#BoatingSeason is in full effect and safety should be at the helm during every voyage. Keep these safety tips in tow to help protect your vessel, your crew and yourself: http://tkpl.us/hovkc
June 4, 2021
Sometimes, the most fun can be had in your own backyard. Here are tips from Travelers to help you enjoy your space safely. http://tkpl.us/ho7mc
June 2, 2021
Safety while driving is the most important and these hands free devices can help you be in compliance with local laws too. Paying attention to the road is your first priority.
10 Hands-Free Driving Devices You Need in Your Car Now | Family Handyman
May 31, 2021
In honor of those who gave their lives.
May 29, 2021
Are we the only ones who like to check out the storm names? Is your name included this year?
https://www.google.com/amp/s/amp.usatoday.com/amp/5203060001
May 18, 2021
From our local news-
Please stay weather and traffic aware the next few days. With each passing round of storms, your chances of flash flooding will go up. Flash Flood Watch continues until 7AM Thursday. #TurnAroundDontDrown
FORECAST: abc13.com/forecast
May 14, 2021
Interesting article about your vehicle’s color and the likelihood of accident. How does your car fare?
https://www.rd.com/article/car-color-accidents-risk/
May 9, 2021
Thank you to all the mothers, in all the forms they come in, hope your day is wonderful.
May 6, 2021
Beginning to see a trend here, wild animals can surely change your morning commute!
Texas driver hurt after crashing into 10-foot alligator; reptile dies – FOX23 News
May 2, 2021
You never know what the traffic conditions may be in the greater Houston area.
https://apple.news/AJ629oPevQhSeSG64lC4hYg
May 1, 2021
What can you repair on your home and what you should repair on your home are two different things. Check out the article below for tips and tricks on when to call in the experts.
8 Home Repairs You Can DIY—And 8 You Should Hire a Pro to Do | Real Simple
April 25, 2021
We have been following the autopilot cars with interest for years. This accident is bringing up many questions for manufacturers, insurers, and law enforcement, in addition to concerns for families and drivers.
Pct. 4: Two killed in fiery Tesla crash near The Woodlands | khou.com
April 17, 2021
When you are shopping for a swim suit for kids, keep this color chart in mind. While a grown up should always be actively supervising kids playing in the pool, some colors can help you in that important job!
Redirect Notice (google.com)
April 11, 2021
Consider adding these to your task lists to get your home in tip top shape this spring!
30 Spring Cleaning Tasks to Add to Your Checklist | Family Handyman
April 7, 2021
Today our office had two birthdays to celebrate! It is Priscilla's and Debra's birthday. The staff got them a red velvet cake which you can see is making them all very happy.
Funny thing, as I got closer to the cake with the phone camera it still kept everyone in the background.... it’s not really that big!!
We will be having lunch brought in by Les Baget on Friday. Les Baget is an awesome Vietnamese restaurant on 34th St and Ella Blvd.
Happy Birthday to Priscilla and Debra!!!
Beginning to see a trend here, wild animals can surely change your morning commute!
Texas driver hurt after crashing into 10-foot alligator; reptile dies – FOX23 News
May 2, 2021
You never know what the traffic conditions may be in the greater Houston area.
https://apple.news/AJ629oPevQhSeSG64lC4hYg
May 1, 2021
What can you repair on your home and what you should repair on your home are two different things. Check out the article below for tips and tricks on when to call in the experts.
8 Home Repairs You Can DIY—And 8 You Should Hire a Pro to Do | Real Simple
April 25, 2021
We have been following the autopilot cars with interest for years. This accident is bringing up many questions for manufacturers, insurers, and law enforcement, in addition to concerns for families and drivers.
Pct. 4: Two killed in fiery Tesla crash near The Woodlands | khou.com
April 17, 2021
When you are shopping for a swim suit for kids, keep this color chart in mind. While a grown up should always be actively supervising kids playing in the pool, some colors can help you in that important job!
Redirect Notice (google.com)
April 11, 2021
Consider adding these to your task lists to get your home in tip top shape this spring!
30 Spring Cleaning Tasks to Add to Your Checklist | Family Handyman
April 7, 2021
Today our office had two birthdays to celebrate! It is Priscilla's and Debra's birthday. The staff got them a red velvet cake which you can see is making them all very happy.
Funny thing, as I got closer to the cake with the phone camera it still kept everyone in the background.... it’s not really that big!!
We will be having lunch brought in by Les Baget on Friday. Les Baget is an awesome Vietnamese restaurant on 34th St and Ella Blvd.
Happy Birthday to Priscilla and Debra!!!
April 2, 2021
We are definitely in “pollen season”, so remember a few tips for keeping your vehicle in top shape while the trees and plants shed their yellow.
6 Tips to Protect Your Vehicle From Pollen - JB Tools Inc.
March 23, 2021
Even though the Houston Livestock Show and Rodeo was cancelled this year, we decided to have our own "Go Texan" Day. You can see several of us wore cowboy boots and we had a lunch of Bar B Que from Demeris.
Hopefully the rodeo can return next year!
Even though the Houston Livestock Show and Rodeo was cancelled this year, we decided to have our own "Go Texan" Day. You can see several of us wore cowboy boots and we had a lunch of Bar B Que from Demeris.
Hopefully the rodeo can return next year!
March 20, 2021
Which of these car features do you remember having to have?
13 Popular Car Features You’ll Probably Never See Again | The Family Handyman
Which of these car features do you remember having to have?
13 Popular Car Features You’ll Probably Never See Again | The Family Handyman
March 12, 2021
February 10th was the 13th Anniversary of our agency. We moved out of the offices of the independent agency I had been working for and started this agency. We have about three times as many clients as we had in 2008. We have 7 full-time staff, 2 semi-retired producers, and 2 part-time social media assistants. We are very lucky and happy to have the great clientele we have!!
March 7, 2021
Today it has been 2 years since Debra Johnson received her Texas Insurance license. She has done a terrific job at bringing quality new accounts to our agency. She had a long career in the hotel business, but she was very happy to not still be there this past year.
Congrats to you Debra!!!!!!!!!!
From Debra- I am so excited to celebrate 2 years as your trusted agent! It has been a great second career choice ( I said I wouldn’t be that person in her 50’s to switch gears, but here we are)!! I am happy everyday to go to work, help our clients, meet new clients and know that I am making a difference for those that need our assistance.
Today it has been 2 years since Debra Johnson received her Texas Insurance license. She has done a terrific job at bringing quality new accounts to our agency. She had a long career in the hotel business, but she was very happy to not still be there this past year.
Congrats to you Debra!!!!!!!!!!
From Debra- I am so excited to celebrate 2 years as your trusted agent! It has been a great second career choice ( I said I wouldn’t be that person in her 50’s to switch gears, but here we are)!! I am happy everyday to go to work, help our clients, meet new clients and know that I am making a difference for those that need our assistance.
March 4, 2021
It may not just be something on the road, the odor coming from the ac in your car may point to an issue.
Why Does My Car AC Smell Bad? | The Family Handyman
February 25, 2021
Something to think about when choosing a place for your car. While most of us have driveways or garages, occasionally we may need to “store” our vehicle elsewhere.
5 Problems When Parking Your Vehicle a Week or Longer, and Solutions | The Family Handyman
February 18, 2021
If a pipe bursts in your home-
1. Turn of the water main and make sure everyone is safe.
2. Document all damage with picture and video for your adjuster to see.
3. Call in your claim so you can get in line. Just like other major catastrophes, this may take awhile.
4. Mitigate the damage that you can. In fact, most policies have a disclaimer to try and prevent further damage with a reasonable amount of clean up and protecting the rest of your home.
5. Keep record of all expenses and the hours of work you have done in the clean up process. Your adjuster will take this into account.
We know this is a challenge for many in our area.
It may not just be something on the road, the odor coming from the ac in your car may point to an issue.
Why Does My Car AC Smell Bad? | The Family Handyman
February 25, 2021
Something to think about when choosing a place for your car. While most of us have driveways or garages, occasionally we may need to “store” our vehicle elsewhere.
5 Problems When Parking Your Vehicle a Week or Longer, and Solutions | The Family Handyman
February 18, 2021
If a pipe bursts in your home-
1. Turn of the water main and make sure everyone is safe.
2. Document all damage with picture and video for your adjuster to see.
3. Call in your claim so you can get in line. Just like other major catastrophes, this may take awhile.
4. Mitigate the damage that you can. In fact, most policies have a disclaimer to try and prevent further damage with a reasonable amount of clean up and protecting the rest of your home.
5. Keep record of all expenses and the hours of work you have done in the clean up process. Your adjuster will take this into account.
We know this is a challenge for many in our area.
February 17, 2021
If you have a damage from the winter storm, begin the claims process as soon as possible.
https://dbjins.com/index.html
February 16, 2021
We know you want to be warm, but stay safe. Hoping we are back to normal soon.
Tips to protect yourself from carbon monoxide poisoning - ABC13 Houston
February 15, 2021
From our friends a little further up north, hoping everyone is safe and warm!
February 13, 2021
More steps to prepare your home for the extraordinary weather predicted across our area!
Protect your swimming pool during the freeze - ABC13 Houston
February 11, 2021
Looks like winter isn’t done with us yet! Take time this weekend to prepare for a likely hard freeze early next week.
Tips for preparing your home, pets and plants for freezing temperatures (click2houston.com)
February 7, 2021
Looking to buy a new car? Consider looking at this article for the best time to buy. Then give us a call to finalize your new rates.
This Is the Best Time of the Week to Buy a Car | Family Handyman
February 3, 2021
Did you know that some drivers can renew their license online? If you have been delaying getting your renewal done, check out the information below to see if you qualify for an online renewal that will take just a few minutes of your time!
How to Renew Your Texas Driver License, Motorcycle License or Identification Card | Department of Public Safety
January 31, 2021
Spring cleaning isn’t just for your home, check out these tips to clean your car, too!
How to Clean Your Car for Spring (businessinsider.com)
January 27, 2021
Check over your siding and see if you need to start looking to replace!
Signs It's Time to Replace Your Siding | James Hardie
January 24, 2021
As the weather levels out and spring cleaning plans are made, check over these spots around your home for maintenance and routine repair.
Spring Home Maintenance - 15 Spots You Need to Clean and Repair - Bob Vila
January 22, 2021
Anyone interested to see what the most popular car was the year they were born? Anyone own these cars?
The Most Popular Car the Year You Were Born | The Family Handyman
January 15, 2021
As clients look over their policy, they often ask what happens if they are in an accident with someone who is un- or underinsured. This video from our friends at Travelers can help shed some light on the protections they have in place.
https://www.travelers.com/car-insurance/coverage/uninsured-motorist
As clients look over their policy, they often ask what happens if they are in an accident with someone who is un- or underinsured. This video from our friends at Travelers can help shed some light on the protections they have in place.
https://www.travelers.com/car-insurance/coverage/uninsured-motorist
January 7, 2021
The Houston area real estate market is booming right now. If you are one of the many homeowners buying a new home, see this article from Travelers about insurance for your new home.
https://www.travelers.com/resources/home/insuring/8-steps-to-buying-and-insuring-your-new-home
The Houston area real estate market is booming right now. If you are one of the many homeowners buying a new home, see this article from Travelers about insurance for your new home.
https://www.travelers.com/resources/home/insuring/8-steps-to-buying-and-insuring-your-new-home
December 31, 2020
Here is a list of free and discounted rides in the Houston area tonight if New Year's celebrations get ahead of you. Call a friend or call a cab or any of these great options, just stay safe and Happy New Year's!
https://cw39.com/news/free-new-years-eve-rides/
Here is a list of free and discounted rides in the Houston area tonight if New Year's celebrations get ahead of you. Call a friend or call a cab or any of these great options, just stay safe and Happy New Year's!
https://cw39.com/news/free-new-years-eve-rides/
December 26, 2020
A little holiday fun from those of us who love insurance all the time!
https://www.insurancejournal.com/news/national/2005/12/23/63402.htm
A little holiday fun from those of us who love insurance all the time!
https://www.insurancejournal.com/news/national/2005/12/23/63402.htm
December 25, 2020
We wish everyone a safe and happy weekend, from our family to yours!
December 20, 2020
This week the agency had its second annual December Pajama Day. We had this day last year, but you know we all need a little fun this year!!
We hope you enjoy the pictures.
This week the agency had its second annual December Pajama Day. We had this day last year, but you know we all need a little fun this year!!
We hope you enjoy the pictures.
December 16, 2020
With new presents appearing in many homes in the area, you may want to do a quick inventory of high dollar items that are new or passed down for generations. We can help you assess if you have the coverage you need to protect your valuables.
https://www.travelers.com/home-insurance/coverage/jewelry
With new presents appearing in many homes in the area, you may want to do a quick inventory of high dollar items that are new or passed down for generations. We can help you assess if you have the coverage you need to protect your valuables.
https://www.travelers.com/home-insurance/coverage/jewelry
December 11, 2020
If you are contemplating a few renovations or home projects, check out this article from Travelers about which repairs are most likely to have a return of your investment.
https://www.travelers.com/resources/home/renovation/5-home-improvement-projects-with-biggest-return-on-investment
If you are contemplating a few renovations or home projects, check out this article from Travelers about which repairs are most likely to have a return of your investment.
https://www.travelers.com/resources/home/renovation/5-home-improvement-projects-with-biggest-return-on-investment
December 4, 2020
You may have insurance, but do you have the insurance you need? If there are gaps in your coverage, then your protection level may not be what you think it is. How can you make sure your homeowners policy covers replacement costs? See this quick list from Travelers.
https://www.travelers.com/resources/home/insuring/is-your-home-insured-to-its-replacement-value
You may have insurance, but do you have the insurance you need? If there are gaps in your coverage, then your protection level may not be what you think it is. How can you make sure your homeowners policy covers replacement costs? See this quick list from Travelers.
https://www.travelers.com/resources/home/insuring/is-your-home-insured-to-its-replacement-value
December 3, 2020
With a lot of online shopping and other virtual accounts being created, passwords are an important part of our lives. See these tips from Travelers for password security and consider taking time to update the passwords you already have established.
https://www.travelers.com/resources/cyber-security/password-security-tips
With a lot of online shopping and other virtual accounts being created, passwords are an important part of our lives. See these tips from Travelers for password security and consider taking time to update the passwords you already have established.
https://www.travelers.com/resources/cyber-security/password-security-tips
November 30, 2020
We are all getting a number of packages right now for deliveries, read through this article from Travelers for ways to protect yourself and the items you have coming your way.
https://www.travelers.com/resources/identity-theft/protection-from-package-theft-and-id-fraud
We are all getting a number of packages right now for deliveries, read through this article from Travelers for ways to protect yourself and the items you have coming your way.
https://www.travelers.com/resources/identity-theft/protection-from-package-theft-and-id-fraud
November 28, 2020
As our first bout of really cold weather approaches, read these tips as a reminder!
https://www.houstonchronicle.com/business/houston-how-to/article/When-hard-freezes-come-prepare-with-these-tips-14826036.php
As our first bout of really cold weather approaches, read these tips as a reminder!
https://www.houstonchronicle.com/business/houston-how-to/article/When-hard-freezes-come-prepare-with-these-tips-14826036.php
November 20, 2020
Thanksgiving is very much looked forward to every year, but it also provides a number of risks and hazards. Check out this list of potential concerns and make sure to be safe this week.
https://abcnews.go.com/Health/thanksgiving-health-hazards-avoid/story?id=27136838
Thanksgiving is very much looked forward to every year, but it also provides a number of risks and hazards. Check out this list of potential concerns and make sure to be safe this week.
https://abcnews.go.com/Health/thanksgiving-health-hazards-avoid/story?id=27136838
November 13, 2020
We don't like to jump over Thanksgiving during the holidays, but we know many people are getting a head start on their holiday shopping. These reminders are great ones to help keep you and your purchases safe this holiday season.
We don't like to jump over Thanksgiving during the holidays, but we know many people are getting a head start on their holiday shopping. These reminders are great ones to help keep you and your purchases safe this holiday season.
November 10, 2020
Being aware is a crucial part of protecting yourself and your belongings. Travelers reminds us of these three simple steps for securing your home, every day.
https://www.travelers.com/resources/home/safety/three-minute-home-security-checklist
Being aware is a crucial part of protecting yourself and your belongings. Travelers reminds us of these three simple steps for securing your home, every day.
https://www.travelers.com/resources/home/safety/three-minute-home-security-checklist
November 5, 2020
On Friday October 30th our staff dressed up for Halloween. As you can see Priscilla was quite scary!!!
Lunch was from The Spaghetti Western. Shown here is a single serving of lasagna!
On Friday October 30th our staff dressed up for Halloween. As you can see Priscilla was quite scary!!!
Lunch was from The Spaghetti Western. Shown here is a single serving of lasagna!
October 31, 2020
A few last minute safety tips and reminders for Halloween fun!
https://www.healthychildren.org/English/safety-prevention/all-around/Pages/Halloween-Safety-Tips.aspx
A few last minute safety tips and reminders for Halloween fun!
https://www.healthychildren.org/English/safety-prevention/all-around/Pages/Halloween-Safety-Tips.aspx
October 27, 2020
Travelers always has great resources including these great reminders and tips for home security.
https://www.travelers.com/resources/home/safety/9-home-security-tips-infographic
Travelers always has great resources including these great reminders and tips for home security.
https://www.travelers.com/resources/home/safety/9-home-security-tips-infographic
October 20, 2020
At the beginning of this year’s short Major League Baseball Season, we bought an Astros cutout for our granddaughter, Karlee. The cutouts only cost $100 and all of the money went to charities that the Astros support.
Even though it has Debra's name, the picture is of our granddaughter. Now that the season is over we got to pick it up! Karlee will be getting in this weekend.
Go Astros!!!
October 18, 2020
This may be a fun way to spend a few minutes, do you think you could pass a driver's ed test today?
https://www.travelers.com/quiz/auto/safe-driving/drivers-ed
This may be a fun way to spend a few minutes, do you think you could pass a driver's ed test today?
https://www.travelers.com/quiz/auto/safe-driving/drivers-ed
October 15, 2020
Whether you are cleaning out your garage for the neighborhood garage sale, donating to a local effort, or simply moving things around, here are a few great tips as you sort out that "extra space".
https://www.youtube.com/watch?v=oOABax3hAPw&list=PLd9hjEs5oNPFo9VTpvJICA3y29e_OC9Yb&index=4
Whether you are cleaning out your garage for the neighborhood garage sale, donating to a local effort, or simply moving things around, here are a few great tips as you sort out that "extra space".
https://www.youtube.com/watch?v=oOABax3hAPw&list=PLd9hjEs5oNPFo9VTpvJICA3y29e_OC9Yb&index=4
October 8, 2020
Our friends at Travelers remind us of work zone safety, something those of us in Houston need to remember probably 95% of the time while driving!
https://www.travelers.com/resources/auto/safe-driving/work-zone-traffic-safety
Our friends at Travelers remind us of work zone safety, something those of us in Houston need to remember probably 95% of the time while driving!
https://www.travelers.com/resources/auto/safe-driving/work-zone-traffic-safety
October 2, 2020
Yesterday our Travelers Sales Executive, Renee Romeo, brought the staff lunch from Aladdin’s Mediterranean Grill. This was a reward luncheon we had earned in March, but due to all of the “craziness”, we had to wait.
All of us like Aladdin’s and we have been there several times for group luncheons.
We were also honored with the “S.T.A.R. Award” from Travelers. S.T.A.R. stands for Superior Travelers Agency Recognition. We are the only agency in Renee’s group to receive the award. She handles over 100 agencies for Travelers, so we are very honored.
I have always believed that having good relationships with insurance companies benefits our clients. Also, placing our good clients with our companies benefits the insurance companies in return.
Yesterday our Travelers Sales Executive, Renee Romeo, brought the staff lunch from Aladdin’s Mediterranean Grill. This was a reward luncheon we had earned in March, but due to all of the “craziness”, we had to wait.
All of us like Aladdin’s and we have been there several times for group luncheons.
We were also honored with the “S.T.A.R. Award” from Travelers. S.T.A.R. stands for Superior Travelers Agency Recognition. We are the only agency in Renee’s group to receive the award. She handles over 100 agencies for Travelers, so we are very honored.
I have always believed that having good relationships with insurance companies benefits our clients. Also, placing our good clients with our companies benefits the insurance companies in return.
September 29, 2020
The roof of a home is often an overlooked area that needs care, until it is too late. It is also a hard home repair to shop around for as some can't go on their roof to see for themselves and there are some roofers who aren't as honest as they should be. Here are some tips on how to look critically at your estimate and why that may change.
https://www.gaf.com/blog/your-home/what-s-the-difference-between-a-roofing-cost-estimate-and-the-final-price-281474979988065
The roof of a home is often an overlooked area that needs care, until it is too late. It is also a hard home repair to shop around for as some can't go on their roof to see for themselves and there are some roofers who aren't as honest as they should be. Here are some tips on how to look critically at your estimate and why that may change.
https://www.gaf.com/blog/your-home/what-s-the-difference-between-a-roofing-cost-estimate-and-the-final-price-281474979988065
September 25, 2020
We know power tools have a certain appeal to men and women out there, but they can be dangerous if they aren't used properly. Check out these tips from Safeco to stay... well... safe!
https://www.youtube.com/watch?v=I7Of6FIpI_U&list=PLd9hjEs5oNPFo9VTpvJICA3y29e_OC9Yb&index=11
We know power tools have a certain appeal to men and women out there, but they can be dangerous if they aren't used properly. Check out these tips from Safeco to stay... well... safe!
https://www.youtube.com/watch?v=I7Of6FIpI_U&list=PLd9hjEs5oNPFo9VTpvJICA3y29e_OC9Yb&index=11
September 24, 2020
More great tips for driving from our friends at Travelers.
https://www.travelers.com/resources/auto/safe-driving/share-the-road
More great tips for driving from our friends at Travelers.
https://www.travelers.com/resources/auto/safe-driving/share-the-road
September 20, 2020
While drivers in our area around the Gulf Coast should be experts on driving in the rain, we could always use a refresher. This is especially true when we are going into a long stretch of rain.
https://www.travelers.com/resources/auto/safe-driving/driving-in-heavy-rain-and-wind
While drivers in our area around the Gulf Coast should be experts on driving in the rain, we could always use a refresher. This is especially true when we are going into a long stretch of rain.
https://www.travelers.com/resources/auto/safe-driving/driving-in-heavy-rain-and-wind
September 18, 2020
Our friends at Travelers provide a few tips and tricks for how to tell when a tornado might be likely.
https://www.travelers.com/resources/weather/tornadoes/what-to-do-in-a-tornado
Our friends at Travelers provide a few tips and tricks for how to tell when a tornado might be likely.
https://www.travelers.com/resources/weather/tornadoes/what-to-do-in-a-tornado
September 11, 2020
Never forget.
September 7, 2020
A small thing, like a porch light, can do big things in keeping you, and your loved ones, safe.
https://www.youtube.com/watch?v=5kejFeaR1AQ&list=PLd9hjEs5oNPFo9VTpvJICA3y29e_OC9Yb&index=10
September 5, 2020
As you head out on the lake this weekend, remember these safe boating tips from our friends at Safeco!
https://lnkd.in/e54Ufgk
August 28, 2020
Our friends at Travelers have a few last minute tips for our area as we track this storm through the night. While it looks like Laura is moving further east, we all have friends and family in the line of this huge storm. Hoping everyone stays safe.
https://www.travelers.com/resources/weather/emergency-preparedness/what-to-do-in-a-natural-disaster
August 25, 2020
Claim Advice Following Laura
I hope everyone stays safe over the next few days. It has been difficult to do over the past few months.
I would like to share a lesson I have learned since Hurricane Ike and that has been reinforced with the flooding events over the past few years, especially with Harvey.
Many of my clients and insureds get very anxious or impatient with the insurance adjustors. I completely understand this. However, I would like to tell you that the insurance companies will handle the claims quickly. They just cannot get to everyone immediately.
If you have damage to your home, especially the type of damage that will require several different kinds of repairmen, your time will be well spent lining up your repair contractors. Make sure to document as much of the damage as possible and secure what is absolutely necessary.
Obtaining estimates from reliable contractors in advance of seeing the insurance adjustor usually speeds up the process. It will also speed up your ability to get your home repaired.
I have even seen instances where the adjustor accepted the estimate from the contractor and paid the claim.
This time spent preparing for the repairs and replacement of your property will be well spent while waiting your turn with the adjustors.
One other thing, and this is huge, call in your claim to the insurance company as soon as you know you have damage. The claims are basically worked on a first in basis.
I hope you do not have any damage, that this is all extra information, and that you stay safe during these next few days.
Never forget.
September 7, 2020
A small thing, like a porch light, can do big things in keeping you, and your loved ones, safe.
https://www.youtube.com/watch?v=5kejFeaR1AQ&list=PLd9hjEs5oNPFo9VTpvJICA3y29e_OC9Yb&index=10
September 5, 2020
As you head out on the lake this weekend, remember these safe boating tips from our friends at Safeco!
https://lnkd.in/e54Ufgk
August 28, 2020
Our friends at Travelers have a few last minute tips for our area as we track this storm through the night. While it looks like Laura is moving further east, we all have friends and family in the line of this huge storm. Hoping everyone stays safe.
https://www.travelers.com/resources/weather/emergency-preparedness/what-to-do-in-a-natural-disaster
August 25, 2020
Claim Advice Following Laura
I hope everyone stays safe over the next few days. It has been difficult to do over the past few months.
I would like to share a lesson I have learned since Hurricane Ike and that has been reinforced with the flooding events over the past few years, especially with Harvey.
Many of my clients and insureds get very anxious or impatient with the insurance adjustors. I completely understand this. However, I would like to tell you that the insurance companies will handle the claims quickly. They just cannot get to everyone immediately.
If you have damage to your home, especially the type of damage that will require several different kinds of repairmen, your time will be well spent lining up your repair contractors. Make sure to document as much of the damage as possible and secure what is absolutely necessary.
Obtaining estimates from reliable contractors in advance of seeing the insurance adjustor usually speeds up the process. It will also speed up your ability to get your home repaired.
I have even seen instances where the adjustor accepted the estimate from the contractor and paid the claim.
This time spent preparing for the repairs and replacement of your property will be well spent while waiting your turn with the adjustors.
One other thing, and this is huge, call in your claim to the insurance company as soon as you know you have damage. The claims are basically worked on a first in basis.
I hope you do not have any damage, that this is all extra information, and that you stay safe during these next few days.
August 24, 2020
While we may not be swimming toward the end of the week, we do a lot of swimming in our area. Check out these safety tips from our friends at Safeco!
https://www.youtube.com/watch?v=XwGqybYd2lo
While we may not be swimming toward the end of the week, we do a lot of swimming in our area. Check out these safety tips from our friends at Safeco!
https://www.youtube.com/watch?v=XwGqybYd2lo
August 20, 2020
Please watch this quick video about preventing Carbon Monoxide poisoning and what you can do today!
https://www.youtube.com/watch?v=fBFlUXTiKKI&list=PLd9hjEs5oNPFo9VTpvJICA3y29e_OC9Yb&index=5
Please watch this quick video about preventing Carbon Monoxide poisoning and what you can do today!
https://www.youtube.com/watch?v=fBFlUXTiKKI&list=PLd9hjEs5oNPFo9VTpvJICA3y29e_OC9Yb&index=5
August 17, 2020
Our friends at Safeco have great tips and tricks for all of us as we work in and around our homes!
https://www.youtube.com/watch?v=oOABax3hAPw&list=PLd9hjEs5oNPFo9VTpvJICA3y29e_OC9Yb&index=5&t=0s
Our friends at Safeco have great tips and tricks for all of us as we work in and around our homes!
https://www.youtube.com/watch?v=oOABax3hAPw&list=PLd9hjEs5oNPFo9VTpvJICA3y29e_OC9Yb&index=5&t=0s
August 14, 2020
Looking back on 2019 and looking forward to 2021!!
-From the Team at Douglas B. Johnson Insurance Agency, LLC
August 10, 2020
We get questions from time to time about umbrella policies and why they are important, this video from Safeco may give you more information. Give us a call with questions about the coverage you need.
https://www.youtube.com/watch?v=7NTVuORWxR0
We get questions from time to time about umbrella policies and why they are important, this video from Safeco may give you more information. Give us a call with questions about the coverage you need.
https://www.youtube.com/watch?v=7NTVuORWxR0
August 4, 2020
On 7/30/20, Samantha Compean received her license for Property and Casualty General Lines from the Texas Department of Licensing! Samantha has been with us since March 2019 and has worked as our administrative assistant. We are very proud of her hard work and dedication to our team.
Please help us welcome our newest CSR to Douglas B Johnson Insurance Agency, LLC
August 2, 2020
With the successful splashdown just hours ago of our astronauts, we couldn't help but wonder about life insurance for those that go into space. Read the article below for how Travelers was involved in some of those earliest questions!
https://www.seradata.com/apollo-11-how-to-arrange-life-insurance-for-an-astronaut/
With the successful splashdown just hours ago of our astronauts, we couldn't help but wonder about life insurance for those that go into space. Read the article below for how Travelers was involved in some of those earliest questions!
https://www.seradata.com/apollo-11-how-to-arrange-life-insurance-for-an-astronaut/
July 31, 2020
Travelers has posted great information about how often you should review your insurance coverage. There are some life events that should warrant a review.
https://www.travelers.com/resources/home/insuring/how-often-should-I-review-my-insurance-coverage
Travelers has posted great information about how often you should review your insurance coverage. There are some life events that should warrant a review.
https://www.travelers.com/resources/home/insuring/how-often-should-I-review-my-insurance-coverage
July 27, 2020
Travelers is now offering cell phone insurance. Clients have some ability to choose coverage and deductible amount to have an economical form of protection on what may be their most used item!
https://www.traverseinsurance.com/?utm_source=agent&utm_campaign=OCLS95
Travelers is now offering cell phone insurance. Clients have some ability to choose coverage and deductible amount to have an economical form of protection on what may be their most used item!
https://www.traverseinsurance.com/?utm_source=agent&utm_campaign=OCLS95
July 22, 2020
There are some weather systems to watch in the gulf which means you may need to look over this information for the National Weather Service about hurricane preparedness.
https://www.weather.gov/safety/hurricane-plan
There are some weather systems to watch in the gulf which means you may need to look over this information for the National Weather Service about hurricane preparedness.
https://www.weather.gov/safety/hurricane-plan
July 19, 2020
Dreaming about a vacation in the future may lead to planning for some of our clients. The State Department website is a helpful place to see travel information and restrictions when trying to collect information.
https://travel.state.gov/content/travel/en/international-travel/before-you-go/travelers-checklist.html
Dreaming about a vacation in the future may lead to planning for some of our clients. The State Department website is a helpful place to see travel information and restrictions when trying to collect information.
https://travel.state.gov/content/travel/en/international-travel/before-you-go/travelers-checklist.html
July 15, 2020
Kids asking about the weather? Wanting to learn about hurricanes? This is a great list of articles and links to check out with your little ones!
https://www.weather.gov/owlie/science_kt
Kids asking about the weather? Wanting to learn about hurricanes? This is a great list of articles and links to check out with your little ones!
https://www.weather.gov/owlie/science_kt
July 11, 2020
Whether you are able to go on a summer road trip this year or not, there are great tips you may want to check out in this article. Some are road trip specific, but others can be applied to an annual or semi annual routine for your vehicles.
https://www.businessinsider.com/car-maintenance-tips-after-summer-road-trip-2019-7
Whether you are able to go on a summer road trip this year or not, there are great tips you may want to check out in this article. Some are road trip specific, but others can be applied to an annual or semi annual routine for your vehicles.
https://www.businessinsider.com/car-maintenance-tips-after-summer-road-trip-2019-7
July 10, 2020
We have seen a number of friends and family interested in renting an RV for road trips this summer and into the fall. The question then arises on what is covered, if anything, on your existing automobile insurance policy. The best and simplest answer is, it's complicated. Every policy looks different and every RV is rated differently by the carriers. It is better to make sure you have the coverage you need, before you need it.
Gather information from the company you are looking to use for the RV, then give us a call. We can look over your policy to make sure you are protected every step of the way.
July 4, 2020
We hope everyone had a safe and fun fourth of July! One filled with time enjoying the day!
July 3, 2020
Great items to have in your vehicle all year round!
https://www.familyhandyman.com/list/things-you-need-in-your-car-year-round/
We have seen a number of friends and family interested in renting an RV for road trips this summer and into the fall. The question then arises on what is covered, if anything, on your existing automobile insurance policy. The best and simplest answer is, it's complicated. Every policy looks different and every RV is rated differently by the carriers. It is better to make sure you have the coverage you need, before you need it.
Gather information from the company you are looking to use for the RV, then give us a call. We can look over your policy to make sure you are protected every step of the way.
July 4, 2020
We hope everyone had a safe and fun fourth of July! One filled with time enjoying the day!
July 3, 2020
Great items to have in your vehicle all year round!
https://www.familyhandyman.com/list/things-you-need-in-your-car-year-round/
June 27, 2020
In addition to great information about hailstorms, Safeco provides tips and reminders about hurricanes, tornadoes, and emergency preparedness. Be sure to check this out as we get further and further into the summer, increasing our chances of tropical systems our way.
https://www.safeco.com/customer-resources/catastrophe-preparation
In addition to great information about hailstorms, Safeco provides tips and reminders about hurricanes, tornadoes, and emergency preparedness. Be sure to check this out as we get further and further into the summer, increasing our chances of tropical systems our way.
https://www.safeco.com/customer-resources/catastrophe-preparation
June 25, 2020
Our friends at Safeco have resources about some of the natural disasters and weather scenarios we commonly see in our area. See these tips when you are faced with a hailstorm.
https://www.safeco.com/customer-resources/catastrophe-preparation/hailstorms
Our friends at Safeco have resources about some of the natural disasters and weather scenarios we commonly see in our area. See these tips when you are faced with a hailstorm.
https://www.safeco.com/customer-resources/catastrophe-preparation/hailstorms
June 12, 2020
As you are checking or rebuilding your hurricane supply kit, here are great tips from members of our own community. The Houston area knows a thing or two about hurricane and flood prep. What can you add to this list?
https://www.chron.com/neighborhood/slideshow/Readers-share-hurricane-checklist-tips-they-wish-194296.php
As you are checking or rebuilding your hurricane supply kit, here are great tips from members of our own community. The Houston area knows a thing or two about hurricane and flood prep. What can you add to this list?
https://www.chron.com/neighborhood/slideshow/Readers-share-hurricane-checklist-tips-they-wish-194296.php
June 7, 2020
The third set of factors for the fluctuation in Umbrella policy pricing, brought to you by our representatives from Safeco.
The third set of factors for the fluctuation in Umbrella policy pricing, brought to you by our representatives from Safeco.
June 5, 2020
More information from Safeco in regards to those changing Umbrella Policy Rates. Economics links a number of factors together.
More information from Safeco in regards to those changing Umbrella Policy Rates. Economics links a number of factors together.
May 31, 2020
We received news from Safeco recently about the trends in coverage and costs for Umbrella policies. Part of their research involves factors that impact these policies. One of the largest contributors, by sheer number of claims alone, are automobile accidents.
We received news from Safeco recently about the trends in coverage and costs for Umbrella policies. Part of their research involves factors that impact these policies. One of the largest contributors, by sheer number of claims alone, are automobile accidents.
May 27, 2020
This source includes a lot of great information and tips on safety by the water this summer.
https://www.nsc.org/home-safety/tools-resources/seasonal-safety/drowning
This source includes a lot of great information and tips on safety by the water this summer.
https://www.nsc.org/home-safety/tools-resources/seasonal-safety/drowning
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May 25, 2020
Remember and Honor. |
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May 22, 2020
This may be a picture from the Redneck Bill Engvall, of the Blue Collar Comedy Tour, but it says an awful lot. In summary, this is why your Insurance Agent hates pool slides and diving boards!
May 20, 2020
These recommendations are from last year, but even if your weekend looks different this go around, the safety tips are still valid!
https://www.iii.org/insuranceindustryblog/memorial-day-weekend-road-safety-tips/
These recommendations are from last year, but even if your weekend looks different this go around, the safety tips are still valid!
https://www.iii.org/insuranceindustryblog/memorial-day-weekend-road-safety-tips/
May 17, 2020
TIme in the pool is a great way to get exercise, to cool off, or to simply have fun. Swimming is great for kids, too! There area lot of ways to keep your family safe as the temperatures creep up!
https://www.poolsafely.gov/parents/safety-tips/
TIme in the pool is a great way to get exercise, to cool off, or to simply have fun. Swimming is great for kids, too! There area lot of ways to keep your family safe as the temperatures creep up!
https://www.poolsafely.gov/parents/safety-tips/
May 14, 2020
Some great tips for working on flood control in your own yard! We have had claims in the past from flooding caused by landscaping issues from the homeowner themselves.
https://www.rothconstruction.com/8-backyard-landscaping-ideas-for-yard-flood-prevention/
Some great tips for working on flood control in your own yard! We have had claims in the past from flooding caused by landscaping issues from the homeowner themselves.
https://www.rothconstruction.com/8-backyard-landscaping-ideas-for-yard-flood-prevention/
May 11, 2020
This was sent to us by one of our clients. They are in the car with the camera, the other driver's insurance company said our insured was partly at fault.
As you can see, it is unknown know why, he clearly came into the lane. They, company left unnamed, were only wanting to pay a portion of the damages.
I have advised the insured to file on his own policy and Travelers will go against the other company in a process called subrogation. Travelers does a pretty good job in that to take care of what is needed.
My normal advice is not to file on your policy when the other driver is at fault and has insurance. But it depends who they are insured with and what the circumstances of the incident are.
Insurance companies are not all the same and we will strive to provide you with the best advice and support we can. This was sent to us by one of our clients. They are in the car with the camera, the other driver's insurance company said our insured was partly at fault.
This was sent to us by one of our clients. They are in the car with the camera, the other driver's insurance company said our insured was partly at fault.
As you can see, it is unknown know why, he clearly came into the lane. They, company left unnamed, were only wanting to pay a portion of the damages.
I have advised the insured to file on his own policy and Travelers will go against the other company in a process called subrogation. Travelers does a pretty good job in that to take care of what is needed.
My normal advice is not to file on your policy when the other driver is at fault and has insurance. But it depends who they are insured with and what the circumstances of the incident are.
Insurance companies are not all the same and we will strive to provide you with the best advice and support we can. This was sent to us by one of our clients. They are in the car with the camera, the other driver's insurance company said our insured was partly at fault.
May 8, 2020
This information was taken from a Pediatrician in the Dallas area. We know many of our clients are especially thankful for their pools right now as a great way for their kids to get some energy out. However, stay safe while having fun and keep an eye on your kids and weak swimmers.
The Doc Smitty - Dr Justin Smith, Pediatrician
June 3, 2019 · Worried about dry drowning? Secondary drowning?
Here's what you need to know:
The term "dry drowning" is sometimes used to describe someone who has en event associated with water but for which no fluid was found in the lungs at autopsy. The problem is, that this is incredibly rare and almost always means that something else happened-most likely the child died of something else.
The term "secondary drowning" is a term that has been used to described someone who had an event in the water (some significant, sometimes not) but who got worse over time and had either significant symptoms or death later.
The problem is that neither term is accepted by medical experts and they don't represent what actually happens in almost 100% of drownings.
Delayed symptoms from drowning do not develop suddenly.
It's not like a child has a water-associated event and is fine for hours but dies from delayed drowning without warning many hours or days later.
Here's what happens and what you need to look out for:
1) A significant or seemingly minor water event. The child was submerged for longer than normal or had cough or choking spell in the water (problem is that this happens with almost every swim).
2) Worsening symptoms of breathing trouble. Cough that is worsening or signs of difficulty breathing or shortness of breath.
3) Worsening symptoms of extreme tiredness. It's ok for kids to be tired after swimming but they shouldn't be napping for extreme extended periods or need extremely early bedtimes.
If those things are present, your child could be at risk for worsening of their condition and they need to be seen.
If not, they are ok can be observed at home.
But really, the bottom line is this: Watch your child while they swim. Put your phone down. Be an arms length away from weaker or non-swimmers. Prevention is worth 1000x more than anything else.
May 2 2020
As the weather holds out and more people are looking for projects, we are seeing many wonderful projects and additions to homes and other residential properties. Our friends at Travelers have a few reminders of additions our agency may need to know about so we can tweak your insurance policy to provide adequate coverage.
https://www.travelers.com/resources/home/renovation/6-home-renovations-that-can-affect-your-insurance
As the weather holds out and more people are looking for projects, we are seeing many wonderful projects and additions to homes and other residential properties. Our friends at Travelers have a few reminders of additions our agency may need to know about so we can tweak your insurance policy to provide adequate coverage.
https://www.travelers.com/resources/home/renovation/6-home-renovations-that-can-affect-your-insurance
April 25, 2020
We may already have some of this on hand, other items may be harder to locate right now, but start thinking about your hurricane emergency kit.
https://www.ready.gov/kit
We may already have some of this on hand, other items may be harder to locate right now, but start thinking about your hurricane emergency kit.
https://www.ready.gov/kit
April 23, 2020
We always hope for a quiet hurricane season, but this year I think we are wishing for something extra calm. We want the perfect balance of just enough rain and nothing to add to our concerns. We will see what the next few months hold.
https://www.cnn.com/2020/04/02/weather/2020-atlantic-hurricane-season/index.html
We always hope for a quiet hurricane season, but this year I think we are wishing for something extra calm. We want the perfect balance of just enough rain and nothing to add to our concerns. We will see what the next few months hold.
https://www.cnn.com/2020/04/02/weather/2020-atlantic-hurricane-season/index.html
April 19, 2020
An interesting read in that car accidents have reduced in number, but the rate of car crashes (the number of crashes per car on the road) has actually increased. There are a number of reasons for this, so everyone needs to be cautious!
https://usa.streetsblog.org/2020/04/09/covid-19-cuts-car-crashes-but-what-about-crash-rates/
An interesting read in that car accidents have reduced in number, but the rate of car crashes (the number of crashes per car on the road) has actually increased. There are a number of reasons for this, so everyone needs to be cautious!
https://usa.streetsblog.org/2020/04/09/covid-19-cuts-car-crashes-but-what-about-crash-rates/
April 14, 2020
We encourage all of our clients and friends to check their email regularly, particularly over the last week. We received word that Safeco, Travelers, Progressive, and a number of other carriers are providing a discount of sorts for policyholders to help during this time. Logically, less driving is taking place which factors into this decision. These deductions/discounts should be automatically applied! Hope that helps our friends and family a bit!
We encourage all of our clients and friends to check their email regularly, particularly over the last week. We received word that Safeco, Travelers, Progressive, and a number of other carriers are providing a discount of sorts for policyholders to help during this time. Logically, less driving is taking place which factors into this decision. These deductions/discounts should be automatically applied! Hope that helps our friends and family a bit!
April 4, 2020
We know some of our clients and friends are busy cleaning out extra closets and overflow rooms, look over the list below for items to throw in your emergency kit in the car, like that spare flashlight or old blanket.
https://www.nsc.org/home-safety/safety-topics/emergency-preparedness/car-kit
We know some of our clients and friends are busy cleaning out extra closets and overflow rooms, look over the list below for items to throw in your emergency kit in the car, like that spare flashlight or old blanket.
https://www.nsc.org/home-safety/safety-topics/emergency-preparedness/car-kit
April 3, 2020
With many of us having a little extra time on our hands, we have a few insurance related tasks you should consider adding to your to-do list. The first is to begin or update your contents record in the event you have a large homeowner's claim. Our friends from Travelers have this great video and checklist to consider.
https://www.travelers.com/resources/weather/emergency-preparedness/home-inventory-checklist
With many of us having a little extra time on our hands, we have a few insurance related tasks you should consider adding to your to-do list. The first is to begin or update your contents record in the event you have a large homeowner's claim. Our friends from Travelers have this great video and checklist to consider.
https://www.travelers.com/resources/weather/emergency-preparedness/home-inventory-checklist
March 13, 2020
Today we decided to have a little fun with all that is going on in the world!! Why not ripped jeans!! |
March 5, 2020
From Debra- Today Doug and the staff surprised me with my 1 year certificate! March 7, 2020 marks one year of sales and service with #dbjins.com
#insurancetexas
#loveinsurance
#dbjins.com
From Debra- Today Doug and the staff surprised me with my 1 year certificate! March 7, 2020 marks one year of sales and service with #dbjins.com
#insurancetexas
#loveinsurance
#dbjins.com
March 1, 2020
Not that we recommend it, but in case you are in a tight spot trying to find a gas station, this is a good summary of how much padding you may have once you inch closer to empty!
https://www.urbo.com/content/common-car-questions-answered/
Not that we recommend it, but in case you are in a tight spot trying to find a gas station, this is a good summary of how much padding you may have once you inch closer to empty!
https://www.urbo.com/content/common-car-questions-answered/
February 28, 2020
Today we celebrated with the rest of Houston the beginning of the Houston Livestock Show and Rodeo!
Doug ordered pizza for the team and some of us showed off our boots!
#gotexanday #douglasbjohnsoninsuranceagency #insuranceandboots #Houstonlivestockshow
Today we celebrated with the rest of Houston the beginning of the Houston Livestock Show and Rodeo!
Doug ordered pizza for the team and some of us showed off our boots!
#gotexanday #douglasbjohnsoninsuranceagency #insuranceandboots #Houstonlivestockshow
February 27, 2020
This flooding is certainly a surprise and we hope it's resolved soon. In force Flood Insurance Policies should provide coverage and we recommend calling out an adjustor as soon as you can.
https://www.houstonchronicle.com/news/houston-texas/houston/article/All-East-Loop-610-lanes-under-water-cars-flooded-15089622.php
This flooding is certainly a surprise and we hope it's resolved soon. In force Flood Insurance Policies should provide coverage and we recommend calling out an adjustor as soon as you can.
https://www.houstonchronicle.com/news/houston-texas/houston/article/All-East-Loop-610-lanes-under-water-cars-flooded-15089622.php
February 20, 2020
We will be hearing about different components of the recent explosion in NW Houston for years to come, including this take on zoning and Houston's lack thereof.
https://www.insurancejournal.com/news/southcentral/2020/02/18/558595.htm
We will be hearing about different components of the recent explosion in NW Houston for years to come, including this take on zoning and Houston's lack thereof.
https://www.insurancejournal.com/news/southcentral/2020/02/18/558595.htm
February 14, 2020
Routine vehicle maintenance will help keep you and your passengers safe and will extend the life of your car, saving you money in the long term.
https://www.idrivesafely.com/defensive-driving/trending/routine-vehicle-maintenance-101-what-you-should-know
Routine vehicle maintenance will help keep you and your passengers safe and will extend the life of your car, saving you money in the long term.
https://www.idrivesafely.com/defensive-driving/trending/routine-vehicle-maintenance-101-what-you-should-know
February 8, 2020
Are you considering renting out your home using a site like AirBnB or VRBO?
Do you have a business for ride-hailing, like Uber or Lyft, using your personal vehicle to earn extra money?
Do you use your personal vehicle to deliver food or packages?
If you said "yes" to any of these questions, you should call us today to discuss whether or not you have liability coverage. Your current policy may not protect you the way you think it will.
We would be happy to look over your current declaration pages and review them with you. Call us today at 713-956-7200.
Are you considering renting out your home using a site like AirBnB or VRBO?
Do you have a business for ride-hailing, like Uber or Lyft, using your personal vehicle to earn extra money?
Do you use your personal vehicle to deliver food or packages?
If you said "yes" to any of these questions, you should call us today to discuss whether or not you have liability coverage. Your current policy may not protect you the way you think it will.
We would be happy to look over your current declaration pages and review them with you. Call us today at 713-956-7200.
February 6, 2020
Follow up for the explosion that took place last week, investigators are leaning towards an electrical spark being the cause.
https://www.insurancejournal.com/news/southcentral/2020/02/03/557200.htm
Follow up for the explosion that took place last week, investigators are leaning towards an electrical spark being the cause.
https://www.insurancejournal.com/news/southcentral/2020/02/03/557200.htm
February 1, 2020
Flood control measures are taking place in a number of different ways. By buying certain parcels of land and developing it to help in the event of large scale flooding, the city and area is trying to prevent further issues.
https://www.chron.com/business/real-estate/article/Harris-County-pays-11-5M-for-Raveneaux-Country-15017760.php
Flood control measures are taking place in a number of different ways. By buying certain parcels of land and developing it to help in the event of large scale flooding, the city and area is trying to prevent further issues.
https://www.chron.com/business/real-estate/article/Harris-County-pays-11-5M-for-Raveneaux-Country-15017760.php
January 28, 2020
This week Doug, Debra, and Laura traveled to Austin for the annual Joe Vincent Conference put on by the Independent Insurance Agents of Texas. We had the opportunity to attend classes, network with our peers, and, of course, eat some great food! SafeCo hosted several of the agents to a dinner cruise on Lake Austin and Travelers took Doug and Debra to dinner at EddieV’s. Laura and her husband, Al, were hosted by McClelland & Hine, they enjoyed a meal at Truluck's. We ended the conference with a lunch hosted by State Auto. Thanks to all our company partners!
This week Doug, Debra, and Laura traveled to Austin for the annual Joe Vincent Conference put on by the Independent Insurance Agents of Texas. We had the opportunity to attend classes, network with our peers, and, of course, eat some great food! SafeCo hosted several of the agents to a dinner cruise on Lake Austin and Travelers took Doug and Debra to dinner at EddieV’s. Laura and her husband, Al, were hosted by McClelland & Hine, they enjoyed a meal at Truluck's. We ended the conference with a lunch hosted by State Auto. Thanks to all our company partners!
January 24, 2020
Today our office celebrated Ashley’s birthday with hamburgers from Pappa’s BBQ. Mitch Brown, our sales Rep from American Bankers Flood, joined us for lunch. We enjoy wearing the shirts he gave us in the Fall. Through companies like Mitch's, we sell a lot of Flood Insurance to protect our clients and their investments.
Today our office celebrated Ashley’s birthday with hamburgers from Pappa’s BBQ. Mitch Brown, our sales Rep from American Bankers Flood, joined us for lunch. We enjoy wearing the shirts he gave us in the Fall. Through companies like Mitch's, we sell a lot of Flood Insurance to protect our clients and their investments.
January 18, 2020
Here are a few things to think of as you start planning your weekends. We recommend paying attention to your landscaping with a mind for heavy rains, make sure you aren't hindering proper drainage!
https://www.diynetwork.com/made-and-remade/learn-it/spring-outdoor-home-maintenance-checklist?fbclid=IwAR0nGc0dqx00RMrXMXbqtqHhjp_sNsLEKw_bnQtN8vhCPmQCL0U8lXL91QQ
Here are a few things to think of as you start planning your weekends. We recommend paying attention to your landscaping with a mind for heavy rains, make sure you aren't hindering proper drainage!
https://www.diynetwork.com/made-and-remade/learn-it/spring-outdoor-home-maintenance-checklist?fbclid=IwAR0nGc0dqx00RMrXMXbqtqHhjp_sNsLEKw_bnQtN8vhCPmQCL0U8lXL91QQ
January 11, 2020
This reminds us of one of our favorite Christmas movies!
https://www.insurancejournal.com/…/so…/2020/01/09/554139.htm
This reminds us of one of our favorite Christmas movies!
https://www.insurancejournal.com/…/so…/2020/01/09/554139.htm
January 6, 2020
As always, we enjoyed Doug's awesome cooking at the party. Games were played, gifts were exchanged, and prizes were won. Extremely grateful to be a part of this team! -Priscilla
As always, we enjoyed Doug's awesome cooking at the party. Games were played, gifts were exchanged, and prizes were won. Extremely grateful to be a part of this team! -Priscilla
January 4, 2020
This was my first time attending the annual DBJ Christmas party. It was a day filled with fun, laughter, and DELICIOUS food. I enjoyed Christmas movie trivia with the team and learning how to roll ravioli dough! Thank you, Doug and Debra, for your generosity!!! -Samantha
This was my first time attending the annual DBJ Christmas party. It was a day filled with fun, laughter, and DELICIOUS food. I enjoyed Christmas movie trivia with the team and learning how to roll ravioli dough! Thank you, Doug and Debra, for your generosity!!! -Samantha
January 3, 2020
From Ashley- The Christmas party was a success, as it is every year. Thank you Doug, for treating us to all the delicious food and for our lovely Christmas gifts. I also want to say thank you to Debra for the birthday gift and for taking us shopping!
Cheers to the New Year!
This Christmas makes my 7th year celebrating with the DBJ family. As always, Doug made exceptional, finger licking food for us! I had so much fun playing the games and spending time with everyone, great team building! Debra and Doug have always been great about making everyone in the office feel at home. Thank you so much for everything, I had such a wonderful time and am truly grateful for all you guys do for us! -Hayde
From Ashley- The Christmas party was a success, as it is every year. Thank you Doug, for treating us to all the delicious food and for our lovely Christmas gifts. I also want to say thank you to Debra for the birthday gift and for taking us shopping!
Cheers to the New Year!
This Christmas makes my 7th year celebrating with the DBJ family. As always, Doug made exceptional, finger licking food for us! I had so much fun playing the games and spending time with everyone, great team building! Debra and Doug have always been great about making everyone in the office feel at home. Thank you so much for everything, I had such a wonderful time and am truly grateful for all you guys do for us! -Hayde
January 1, 2020
This is my second Christmas with the Johnsons and it was amazing! Doug fills us up with the delicious food that he cooks. I definitely look forward to the games and gift exchanges with my coworkers. I look forward to next year's celebration for another great time! -From Leslie
This is my second Christmas with the Johnsons and it was amazing! Doug fills us up with the delicious food that he cooks. I definitely look forward to the games and gift exchanges with my coworkers. I look forward to next year's celebration for another great time! -From Leslie
December 30, 2020
Another wonderful Christmas party, with more good times, great food, gifts, and games! Every year, we all here at DBJ look forward to this special day of getting together out of the office to celebrate the season. Thank you, Doug and Debra for hosting the best Christmas event of the year!
Looking forward to 2020!
Another wonderful Christmas party, with more good times, great food, gifts, and games! Every year, we all here at DBJ look forward to this special day of getting together out of the office to celebrate the season. Thank you, Doug and Debra for hosting the best Christmas event of the year!
Looking forward to 2020!
December 27, 2019
Last Friday, we had our annual Christmas party hosted by Doug and myself in our home. Doug didn’t disappoint with lots of yummy homemade food!
We had a gift exchange and played games to win gift cards! There was tons of laughter throughout the house.
This picture was not planned and it shows how close we are as a team, sharing our blessings.
Last Friday, we had our annual Christmas party hosted by Doug and myself in our home. Doug didn’t disappoint with lots of yummy homemade food!
We had a gift exchange and played games to win gift cards! There was tons of laughter throughout the house.
This picture was not planned and it shows how close we are as a team, sharing our blessings.
December 22, 2019
Our staff has been doing a great job this year and we wanted to celebrate by having a couple of fun days at work. Last week we had “wear your pajamas to work day” and this week we had “wear your hoodie to work day”.
Our staff has been doing a great job this year and we wanted to celebrate by having a couple of fun days at work. Last week we had “wear your pajamas to work day” and this week we had “wear your hoodie to work day”.
December 13, 2019
Yesterday we had "wear your PJs to work" day! Doug surprised us all with his bunny suit that was worn in the famous Christmas movie, A Christmas Story!
"You'll shoot your eye out, kid!"
Fun was had by all and we even had surprise visits from some of our company Reps. They got a big kick out of Doug's outfit, too!
Yesterday we had "wear your PJs to work" day! Doug surprised us all with his bunny suit that was worn in the famous Christmas movie, A Christmas Story!
"You'll shoot your eye out, kid!"
Fun was had by all and we even had surprise visits from some of our company Reps. They got a big kick out of Doug's outfit, too!
December 5, 2019
A few tips as you are seeing an influx of delivery and gifts arriving at your doors!
https://money.usnews.com/money/personal-finance/articles/best-ways-to-protect-your-packages-from-being-stolen?fbclid=IwAR3WfGzAS_bodSU62-1830U8pRh6RpIh0T3S1qCl-KdkScVwZ7DReec-CC4
A few tips as you are seeing an influx of delivery and gifts arriving at your doors!
https://money.usnews.com/money/personal-finance/articles/best-ways-to-protect-your-packages-from-being-stolen?fbclid=IwAR3WfGzAS_bodSU62-1830U8pRh6RpIh0T3S1qCl-KdkScVwZ7DReec-CC4
November 28, 2019
We are thankful for much this past year, for the growth we've seen and the way we've been able to serve our clients. Happy Thanksgiving!
We are thankful for much this past year, for the growth we've seen and the way we've been able to serve our clients. Happy Thanksgiving!
November 27, 2019
Whenever you are shopping, today, this weekend, or in the weeks to come, here are a few safety tips to keep in mind.
Whenever you are shopping, today, this weekend, or in the weeks to come, here are a few safety tips to keep in mind.
November 22, 2019
Thanksgiving is filled with extra visitors, a lot of cooking, and more risks. Check out the link below to discover safety tips to keep in mind this week.
https://www.nfpa.org/…/Fi…/Seasonal-fire-causes/Thanksgiving
Thanksgiving is filled with extra visitors, a lot of cooking, and more risks. Check out the link below to discover safety tips to keep in mind this week.
https://www.nfpa.org/…/Fi…/Seasonal-fire-causes/Thanksgiving
November 20, 2019
Check out the tips below for the best time to hit the roads on Thanksgiving
https://www.mentalfloss.com/article/607705/thanksgiving-2019-travel-tips
Check out the tips below for the best time to hit the roads on Thanksgiving
https://www.mentalfloss.com/article/607705/thanksgiving-2019-travel-tips
November 14, 2019
Doug and Debra attended the annual chili cook-off this last weekend at the American Legion Post 560. Doug partnered with Berkshire Hathaway Preproperties. Doug chose to competed in two categories. He chose white beans for the Bean Category and Crawfish Etouffee for the Open Category.
Doug placed 1st in Beans and 2nd in the Open!! We are super proud of his accomplishments and he has had quite a good year with his cooking!!
Doug and Debra attended the annual chili cook-off this last weekend at the American Legion Post 560. Doug partnered with Berkshire Hathaway Preproperties. Doug chose to competed in two categories. He chose white beans for the Bean Category and Crawfish Etouffee for the Open Category.
Doug placed 1st in Beans and 2nd in the Open!! We are super proud of his accomplishments and he has had quite a good year with his cooking!!
November 13, 2019
Travelers came to our office yesterday and took the team to lunch!! We enjoyed Mediterranean food at Aladdin’s and great company, too!! WE really appreciate everything Travelers does for us and our clients!
Travelers came to our office yesterday and took the team to lunch!! We enjoyed Mediterranean food at Aladdin’s and great company, too!! WE really appreciate everything Travelers does for us and our clients!
November 2, 2019
We want to “insur” you set your clocks back!
We want to “insur” you set your clocks back!
November 1, 2019
Hope everyone was safe and had fun yesterday!
Hope everyone was safe and had fun yesterday!
October 24, 2019
Our Travelers Manager Renee Romeo came to the office last week to help us celebrate Doug's birthday! She brought two property adjusters with her to talk with us about claims and how they are handled. We appreciate Travelers for the care they help us provide our clients.
Our Travelers Manager Renee Romeo came to the office last week to help us celebrate Doug's birthday! She brought two property adjusters with her to talk with us about claims and how they are handled. We appreciate Travelers for the care they help us provide our clients.
October 20, 2019
Making improvements to decrease the further risk of flooding across our area is slow going, but complicated because of the levels of area involved.
https://communityimpact.com/houston/city-county/2019/09/25/harris-county-commissioners-set-sights-on-flood-plain-violations/
Making improvements to decrease the further risk of flooding across our area is slow going, but complicated because of the levels of area involved.
https://communityimpact.com/houston/city-county/2019/09/25/harris-county-commissioners-set-sights-on-flood-plain-violations/
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October 16, 2019
Today Douglas B Johnson Insurance Agency participated in The Leaders Annual Senior Expo! We met a lot of good folks and shared a lot good insurance information. Breakfast and lunch was sponsored by Shipley’s Donuts and Raising Canes Chicken. Doug, Debra, and Ashley represented our staff. |
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October 14, 2019
This site has a great list of questions and answers for the Texas Department of Public Safety for rules on car seats, child restraints, and general vehicular safety.
https://www.dps.texas.gov/director_staff/public_information/occSafetyPrgmFAQs.htm
This site has a great list of questions and answers for the Texas Department of Public Safety for rules on car seats, child restraints, and general vehicular safety.
https://www.dps.texas.gov/director_staff/public_information/occSafetyPrgmFAQs.htm
October 11, 2019
Simply remembering to buckle up increases your chance of survival by 45-60% according to this article from click it or ticket!
http://www.texasclickitorticket.com/whats_new/?p=571
Simply remembering to buckle up increases your chance of survival by 45-60% according to this article from click it or ticket!
http://www.texasclickitorticket.com/whats_new/?p=571
October 9, 2019
Just a reminder for all passengers in a car, front AND back seat riders, to be buckled up. Mainly because it is safer, but also because it is the law!
http://www.texasclickitorticket.com/whats_new/?p=480
Just a reminder for all passengers in a car, front AND back seat riders, to be buckled up. Mainly because it is safer, but also because it is the law!
http://www.texasclickitorticket.com/whats_new/?p=480
October 4, 2019
Go Astros!
Go Astros!
October 3, 2019
We always like articles and research that come out of Texas A & M, but this one is especially interesting as it looks at the response of men and women during natural disasters. It may be fun to follow the additional information collected as the study expands.
https://www.insurancejournal.com/news/national/2019/09/25/541108.htm
We always like articles and research that come out of Texas A & M, but this one is especially interesting as it looks at the response of men and women during natural disasters. It may be fun to follow the additional information collected as the study expands.
https://www.insurancejournal.com/news/national/2019/09/25/541108.htm
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September 29, 2019
Our agency recently participated in the Right Track Challenge with Safeco. Not only did the team take the challenge head on, but out clients were able to see the care we provide to give them the best service and the best possible rates. Within the challenge, there was an additional bonus, and our agency was selected by an impartial judge! |
September 25, 2019
While it seems like the road construction is never ending, some of it does have a purpose and a plan to eventually get you to your destination faster!
https://www.insurancejournal.com/news/southcentral/2019/08/30/538491.htm
While it seems like the road construction is never ending, some of it does have a purpose and a plan to eventually get you to your destination faster!
https://www.insurancejournal.com/news/southcentral/2019/08/30/538491.htm
September 23, 2019
It will be interesting to see how this law impacts sales in our area specifically. Moving in and out of areas which have recently seen flooding has been a large factor to some and less of an issue for others.
https://www.insurancejournal.com/news/southcentral/2019/08/27/538060.htm
It will be interesting to see how this law impacts sales in our area specifically. Moving in and out of areas which have recently seen flooding has been a large factor to some and less of an issue for others.
https://www.insurancejournal.com/news/southcentral/2019/08/27/538060.htm
September 19, 2019
We hope you are all safe, if you need assistance to file a claim please go to our website, click the claims tab for Travelers, Safeco and Columbia Lloyds. https://dbjins.com/claims.html
On the front page we have emergency numbers https://dbjins.com/index.html and we are in the office today!
Please take care and don't go out until the officials have given an all clear.
We hope you are all safe, if you need assistance to file a claim please go to our website, click the claims tab for Travelers, Safeco and Columbia Lloyds. https://dbjins.com/claims.html
On the front page we have emergency numbers https://dbjins.com/index.html and we are in the office today!
Please take care and don't go out until the officials have given an all clear.
September 18, 2019
On Sunday and Monday, Doug, Debra, Ashley, and Hayde attended the annual Small Agency Conference in San Marcos, TX.
One of our partners, SageSure, was in attendance at the Vendor Tradeshow. We also enjoyed 1 ½ days of networking
with our peers, as well as attending some excellent Continuing Education training classes!
On Sunday and Monday, Doug, Debra, Ashley, and Hayde attended the annual Small Agency Conference in San Marcos, TX.
One of our partners, SageSure, was in attendance at the Vendor Tradeshow. We also enjoyed 1 ½ days of networking
with our peers, as well as attending some excellent Continuing Education training classes!
September 13, 2019
This past Thursday, our entire office team was treated to lunch at Les Baget, a new Vietnamese restaurant in the Oak Forest area.
This luncheon was an award for the team selling the Right Track Program with our Safeco Clients. We will have more comments in the next few days.
If you live near Oak Forest and like this kind of food it is highly recommended.
Please notice the two men in the background photo bombing the selfie.
This past Thursday, our entire office team was treated to lunch at Les Baget, a new Vietnamese restaurant in the Oak Forest area.
This luncheon was an award for the team selling the Right Track Program with our Safeco Clients. We will have more comments in the next few days.
If you live near Oak Forest and like this kind of food it is highly recommended.
Please notice the two men in the background photo bombing the selfie.
September 11, 2019
Never Forget.
September 4, 2019
Our police are working hard to keep drivers, passengers, and others safe on the road. If you consume too much, call a friend, a ride, or wait it out.
https://www.insurancejournal.com/news/southcentral/2019/07/08/531393.htm
Our police are working hard to keep drivers, passengers, and others safe on the road. If you consume too much, call a friend, a ride, or wait it out.
https://www.insurancejournal.com/news/southcentral/2019/07/08/531393.htm
September 2, 2019
We've written extensively about the different ideas and projects being submitted to take measures for flood control in our area, now it is time to see how those projects pan out as the Houston area receives money to implement those plans.
https://www.insurancejournal.com/news/southcentral/2019/08/05/534933.htm
We've written extensively about the different ideas and projects being submitted to take measures for flood control in our area, now it is time to see how those projects pan out as the Houston area receives money to implement those plans.
https://www.insurancejournal.com/news/southcentral/2019/08/05/534933.htm
August 31, 2019
Each year the Texas Windstorm Insurance Agency researches and decides if coverage is adequate to protect against events in the coming months. The group decided current rates are sufficient, keeping rates at the same level. Contact us for information about your coverage.
https://www.insurancejournal.com/news/southcentral/2019/08/06/535100.htm
Each year the Texas Windstorm Insurance Agency researches and decides if coverage is adequate to protect against events in the coming months. The group decided current rates are sufficient, keeping rates at the same level. Contact us for information about your coverage.
https://www.insurancejournal.com/news/southcentral/2019/08/06/535100.htm
August 28, 2019
We recently let our clients know about a new Texas law designed to protect those needing roof repairs. Contractors and roofers need to be held accountable to these changes, if you have any questions, let us know.
https://www.insurancejournal.com/news/southcentral/2019/08/08/535216.htm
We recently let our clients know about a new Texas law designed to protect those needing roof repairs. Contractors and roofers need to be held accountable to these changes, if you have any questions, let us know.
https://www.insurancejournal.com/news/southcentral/2019/08/08/535216.htm
August 26, 2019
We believe the last of our school districts in the area have officially started today so we are wrapping up with one last reminder on school safety that applies for the entire year. We hope it's a great year for everyone no matter how old their kids are or what kind of schooling they do, simply keep learning!
We believe the last of our school districts in the area have officially started today so we are wrapping up with one last reminder on school safety that applies for the entire year. We hope it's a great year for everyone no matter how old their kids are or what kind of schooling they do, simply keep learning!
August 23, 2019
Just as there are ways to stay safe outside on the roads, there are tips and tricks to staying safe inside vehicles as well. Continuing with our Back to School Safety Tips, discuss these rules and guidelines with your kids.
Just as there are ways to stay safe outside on the roads, there are tips and tricks to staying safe inside vehicles as well. Continuing with our Back to School Safety Tips, discuss these rules and guidelines with your kids.
August 20, 2019
On Friday, our agency had a visit from Mission Select Insurance. Sandy Graff is pictured below with our team.
Mission Select is just one of the many carriers that we work with to provide the best for our clients. Sandy wanted a picture of the team so she could go back and share it with her team in turn.
August 19, 2019
We don't have as many bike riders for school as other areas may, but these are great tips to review for kids, adults, drivers, and walkers.
August 17, 2019
Our agency keeps track of and counts our New Business Policies that we issue every month. The staff receives monthly bonuses based on the amount of New Business Policies written. This is one of three bonuses they can obtain and each are designed to create incentives to provide great service to our clients.
This past month of July, we had the most policies ever with over 90 New Business Policies. So you can see I was doing a very bad imitation of Break Dancing to celebrate and make them all laugh!
Great Work Everybody!!!
August 14, 2019
Today marked the first day of school for some in our area, with many more to start in the coming weeks. We would like to wish everyone a wonderful year and we will be posting a few safety tips and reminders to help everyone get on the right path!
August 11, 2019
While ongoing road construction certainly leads to issues and frustrations of it's own, there is no question that there are certain roads that can use and overhaul and everyone would feel a lot safer when it's done.
https://www.insurancejournal.com/news/southcentral/2019/08/06/534937.htm
August 9, 2019
The link below from the National Weather Service provides great information about safety during a lightening storm.
https://www.weather.gov/media/owlie/lightning-noaa.pdf
The link below from the National Weather Service provides great information about safety during a lightening storm.
https://www.weather.gov/media/owlie/lightning-noaa.pdf
August 2, 2019
Do you know how to reach the Houston Police Department in cases of non-emergency? The link below gives information for those within the city limits. Outside of those limits, we recommend a quick google search to have this information on hand.
https://www.houstontx.gov/police/contact/index.htm
Do you know how to reach the Houston Police Department in cases of non-emergency? The link below gives information for those within the city limits. Outside of those limits, we recommend a quick google search to have this information on hand.
https://www.houstontx.gov/police/contact/index.htm
July 30, 2019
Our Summer has been pretty mild so far, but August may surprise us all. Check out the information from The National Weather Service for heat safety reminders.
https://www.weather.gov/media/owlie/HeatSafety-OnePager-11-29-2018.pdf
Our Summer has been pretty mild so far, but August may surprise us all. Check out the information from The National Weather Service for heat safety reminders.
https://www.weather.gov/media/owlie/HeatSafety-OnePager-11-29-2018.pdf
July 20, 2019
The FDA has joined with the National Weather Service to provide great information on food and water safety during large outages and other weather situations where consumption is impacted.
https://www.weather.gov/media/owlie/FDAHurricaneNL.pdf
The FDA has joined with the National Weather Service to provide great information on food and water safety during large outages and other weather situations where consumption is impacted.
https://www.weather.gov/media/owlie/FDAHurricaneNL.pdf
July 10, 2019
This is a fantastic piece with reminders on what to do when an emergency vehicle is behind you with their lights and sirens on. Rule number one is to avoid being in an accident, but there are other rules we all should follow to help them do their jobs quicker, saving time and lives.
https://www.tmc.edu/news/2018/10/want-to-save-a-life-rules-of-the-road-for-drivers-encountering-emergency-vehicles/
This is a fantastic piece with reminders on what to do when an emergency vehicle is behind you with their lights and sirens on. Rule number one is to avoid being in an accident, but there are other rules we all should follow to help them do their jobs quicker, saving time and lives.
https://www.tmc.edu/news/2018/10/want-to-save-a-life-rules-of-the-road-for-drivers-encountering-emergency-vehicles/
July 6, 2019
This article offers great advice if you are nervous about being pulled over by an unmarked car. We know our clients would never break the law while driving, but just in case, we want every person to be safe.
https://texarkanafyi.com/local-police-give-tips-pulled-unmarked-vehicle/
This article offers great advice if you are nervous about being pulled over by an unmarked car. We know our clients would never break the law while driving, but just in case, we want every person to be safe.
https://texarkanafyi.com/local-police-give-tips-pulled-unmarked-vehicle/
July 4,2019
Happy Independence Day from our office to our family and friends! We hope today is filled with celebrations and that each and everyone of you stays safe.
Happy Independence Day from our office to our family and friends! We hope today is filled with celebrations and that each and everyone of you stays safe.
July 3, 2019
Ever wonder why the person in the next lane is driving a little crazy? Maybe you are actively seeing them drinking while driving and want to do something about it? The article below gives some common characteristics of drunk driving and their advice on who to call for help.
https://www.pmtxlaw.com/how-do-i-report-a-drunk-driver-in-texas/
June 30, 2019
From Doug-
Debra and I recently attended the annual IIAT’s Summer Convention that is held annually in different cities in Texas. This year it was at the Gaylord Texan Resort in Grapevine, TX between Dallas and Ft Worth. There were many interesting and educational sessions, networking with other agents and insurance company representatives, and several social events. On the final day, we had a brunch and Roger Staubach was the keynote speaker. Even though I was always a Houston Oiler fan, it was very interesting to hear his football and business stories.
From Doug-
Debra and I recently attended the annual IIAT’s Summer Convention that is held annually in different cities in Texas. This year it was at the Gaylord Texan Resort in Grapevine, TX between Dallas and Ft Worth. There were many interesting and educational sessions, networking with other agents and insurance company representatives, and several social events. On the final day, we had a brunch and Roger Staubach was the keynote speaker. Even though I was always a Houston Oiler fan, it was very interesting to hear his football and business stories.
June 25, 2019
Local roads making you crazy? Afraid you are going to cause an accident and have to file a claim from swerving to avoid the same pothole out of your neighborhood? TxDot wants you to help them find their next work project. Check out the website below!
https://www.kbtx.com/home/headlines/TXDOT_Wants_You_to_ComplainAbout_Roadways_104737654.html
Local roads making you crazy? Afraid you are going to cause an accident and have to file a claim from swerving to avoid the same pothole out of your neighborhood? TxDot wants you to help them find their next work project. Check out the website below!
https://www.kbtx.com/home/headlines/TXDOT_Wants_You_to_ComplainAbout_Roadways_104737654.html
June 23, 2019
An additional follow up, here are helpful tips when it comes to driving near work
crews on the roads.
https://schneiderjobs.com/blog/driver/tips-for-driving-safely-road-construction-zones
An additional follow up, here are helpful tips when it comes to driving near work
crews on the roads.
https://schneiderjobs.com/blog/driver/tips-for-driving-safely-road-construction-zones
June 21, 2019
From Doug-
While we were staying overnight in Corsicana, TX on the way to Grapevine for the IIAT (Independent Insurance Agents of Texas) Convention we went to the Downtown area for dinner. I have known of Corsicana as the home of two famous food producers for years. The Collin Street Bakery where they are famous for the fruitcakes they make and ship, into the thousands at Christmas time. I have had many myself. Also, Corsicana boasts the huge Russell Stover Chocolate and Candy Factory.
What I did not realize, is that Wolf Brand Chili was also started in Corsicana by a 12-year old boy . I have had many, many cans of Wolf Brand Chili over the years and it was interesting to see how it started in a small town in Texas. They have this statue Downtown to commemorate the brand.
June 19, 2019
From Doug-
Debra and I are headed to the IIAT's InsurCon 2019, the annual summertime conference for businesses like ours.
We stayed in Corsicana for the evening and ate at a restaurant in downtown called Napoli. The food and service were both great and the manager sent out a piece of lemon cake to finish our meal!
Thank you Corsicana and God Bless Texas!
June 15, 2019
Follow up to our last posting, here are the laws when it comes to driving near work crews on the roads.
http://www.moveoverlaws.com
Follow up to our last posting, here are the laws when it comes to driving near work crews on the roads.
http://www.moveoverlaws.com
June 13, 2019
We are happy to see that improvements have been made in protecting the safety of work crews, for them, for drivers on the road, and overall, but there are still a lot of ways we could do more. See the article below for what TxDot says is working.
https://www.insurancejournal.com/news/southcentral/2019/04/10/523361.htm
We are happy to see that improvements have been made in protecting the safety of work crews, for them, for drivers on the road, and overall, but there are still a lot of ways we could do more. See the article below for what TxDot says is working.
https://www.insurancejournal.com/news/southcentral/2019/04/10/523361.htm
June 11, 2019
This article took us by surprise in relation to Houston's own Astros being sued by a spectator. We aren't sure of all the details, but we will say that lawsuits like this make an impact in the greater insurance world in relation to costs, public perception, and bogged down courts.
https://www.insurancejournal.com/news/southcentral/2019/04/11/523491.htm
This article took us by surprise in relation to Houston's own Astros being sued by a spectator. We aren't sure of all the details, but we will say that lawsuits like this make an impact in the greater insurance world in relation to costs, public perception, and bogged down courts.
https://www.insurancejournal.com/news/southcentral/2019/04/11/523491.htm
June 9, 2019
The buyouts are complicated, we didn't need an official report to tell us that. This article talks about a few of the factors that go into the buyouts taking place in our area in neighborhoods impacted by the storms.
https://www.insurancejournal.com/news/southcentral/2019/03/05/519646.htm
The buyouts are complicated, we didn't need an official report to tell us that. This article talks about a few of the factors that go into the buyouts taking place in our area in neighborhoods impacted by the storms.
https://www.insurancejournal.com/news/southcentral/2019/03/05/519646.htm
June 6, 2019
Obviously the effort to improve Texas will be ongoing, but how do we fare right now? The reports show progress, but many worry the change is not enough to protect us in the event of tropical development or rain like we had last month.
https://www.insurancejournal.com/news/southcentral/2019/04/17/524115.htm
Obviously the effort to improve Texas will be ongoing, but how do we fare right now? The reports show progress, but many worry the change is not enough to protect us in the event of tropical development or rain like we had last month.
https://www.insurancejournal.com/news/southcentral/2019/04/17/524115.htm
June 1, 2019
If you want to check your kid's car seat to make sure it is properly installed, click through the link below to schedule an appointment. A properly installed car seat is the most important feature to any car seat.
https://www.safekidsgreaterhouston.org
If you want to check your kid's car seat to make sure it is properly installed, click through the link below to schedule an appointment. A properly installed car seat is the most important feature to any car seat.
https://www.safekidsgreaterhouston.org
May 29, 2019
We have to transport pets for various reasons in our vehicles. Check out the article linked below to learn about pet safety products and why they may not be as safe as you think.
https://www.huffpost.com/entry/car-restraints-pet-safety_n_568ae59ce4b0b958f65c8af9
We have to transport pets for various reasons in our vehicles. Check out the article linked below to learn about pet safety products and why they may not be as safe as you think.
https://www.huffpost.com/entry/car-restraints-pet-safety_n_568ae59ce4b0b958f65c8af9
May 26, 2019
For this Memorial Day weekend we remember the lives given to defend and protect. For the families who mourn, we are with you too.
Please be safe this weekend as you spend time with others.
For this Memorial Day weekend we remember the lives given to defend and protect. For the families who mourn, we are with you too.
Please be safe this weekend as you spend time with others.
May 25, 2019
The National Weather Service gives some great information at the link below. With our rising temperatures, do not leave kids, adults with disabilities, or pets in your car.
https://www.weather.gov/safety/heat-children-pets
May 22, 2019
Whether accidental or on purpose for convenience sake, people are leaving their key-fobs in their cars, making it easier for theives to steal. The article below details this issue and more that have to do with these remote start devices.
https://www.usatoday.com/story/money/cars/2019/01/09/auto-theft-key-fobs/2385559002/i
Whether accidental or on purpose for convenience sake, people are leaving their key-fobs in their cars, making it easier for theives to steal. The article below details this issue and more that have to do with these remote start devices.
https://www.usatoday.com/story/money/cars/2019/01/09/auto-theft-key-fobs/2385559002/i
May 16, 2019
Can you tell we are getting ready for the Summer Blockbuster Season? Here is a slideshow about the most expensive movie car crashes. We are fairly certain these drivers would have premiums through the roof after these scenes!
https://www.msn.com/en-gb/cars/enthusiasts/in-pictures-the-most-expensive-movie-car-crashes/ss-AAuIg9P?li=AAnZ9Ug
Can you tell we are getting ready for the Summer Blockbuster Season? Here is a slideshow about the most expensive movie car crashes. We are fairly certain these drivers would have premiums through the roof after these scenes!
https://www.msn.com/en-gb/cars/enthusiasts/in-pictures-the-most-expensive-movie-car-crashes/ss-AAuIg9P?li=AAnZ9Ug
May 12, 2019
Happy Mother's Day to the Mothers who come in many different ways. And a special Happy Day for the women on our staff who are Moms too!
Happy Mother's Day to the Mothers who come in many different ways. And a special Happy Day for the women on our staff who are Moms too!
May 9, 2019
Here is a great resource to check out your car seats in the Greater Houston Area, following up from our last post.
https://www.safekidsgreaterhouston.org
Here is a great resource to check out your car seats in the Greater Houston Area, following up from our last post.
https://www.safekidsgreaterhouston.org
May 3, 2019
Not our usual source of information, but this great post shows the importance of car seat safety for young kids. A mom used a toy skeleton decoration to show the difference in protection when clipping a toddler in. As a group of parents and grandparents, car seat safety is important for us to pass along.
https://www.huffpost.com/entry/spooky-side-by-side-photos-teach-a-quick-lesson-about-car-seat-safety_n_5773e368e4b0d1f85d47f055
Not our usual source of information, but this great post shows the importance of car seat safety for young kids. A mom used a toy skeleton decoration to show the difference in protection when clipping a toddler in. As a group of parents and grandparents, car seat safety is important for us to pass along.
https://www.huffpost.com/entry/spooky-side-by-side-photos-teach-a-quick-lesson-about-car-seat-safety_n_5773e368e4b0d1f85d47f055
April 30, 2019
While this is a unique situation in Louisiana, it is always a good idea to check on your storage facility from time to time, even if the company assures some sort of security presence. And please contact us if you have contents that need insurance inside or outside your home.
https://www.insurancejournal.com/news/southcentral/2019/02/22/518519.htm
While this is a unique situation in Louisiana, it is always a good idea to check on your storage facility from time to time, even if the company assures some sort of security presence. And please contact us if you have contents that need insurance inside or outside your home.
https://www.insurancejournal.com/news/southcentral/2019/02/22/518519.htm
April 23, 2019
We had a little guest on Monday. Welcome to the team, Baby Adam! He was born on April 7, 2019 to our Team Member Ashley. As it turns out, Adam joins Priscilla and Debra to share the same birthday. Wow! That means 3 of us in the same office. We are thrilled to have him on the team! Congratulations to Ashley and Jose!!!
We had a little guest on Monday. Welcome to the team, Baby Adam! He was born on April 7, 2019 to our Team Member Ashley. As it turns out, Adam joins Priscilla and Debra to share the same birthday. Wow! That means 3 of us in the same office. We are thrilled to have him on the team! Congratulations to Ashley and Jose!!!
April 19, 2019
April 17, 2019
With rainy weather imminent, we borrowed this infographic from the Fort Worth Police Department in regards to driving in the rain. Be careful and take your time!
April 12, 2019
April 12, 2019
We were excited to participate in a local cook off recently. Teams gathered together to present their best efforts at appetizers, desserts, gumbo, and ribs. You can just call Doug the RibMaster when you talk to him next time because his combination of spices, slow cooking, and sauce won first place! It was a great day to spend in the community and with family.
We were excited to participate in a local cook off recently. Teams gathered together to present their best efforts at appetizers, desserts, gumbo, and ribs. You can just call Doug the RibMaster when you talk to him next time because his combination of spices, slow cooking, and sauce won first place! It was a great day to spend in the community and with family.
April 8, 2019
It is interesting to see all the ways this area is working on reducing flood damages in the future and the amount of research that goes into each.
https://www.insurancejournal.com/news/southcentral/2019/02/25/518649.htm
It is interesting to see all the ways this area is working on reducing flood damages in the future and the amount of research that goes into each.
https://www.insurancejournal.com/news/southcentral/2019/02/25/518649.htm
April 5, 2019
Today we celebrated Priscilla and Debra’s birthday. Although not the same age, they were born on the same day. We had Popeye’s fried chicken, red beans and rice, biscuits, and home made coleslaw that Doug made!
Today we celebrated Priscilla and Debra’s birthday. Although not the same age, they were born on the same day. We had Popeye’s fried chicken, red beans and rice, biscuits, and home made coleslaw that Doug made!
April 4, 2019
April 3, 2019
With so many thieves out there, we are thankful that you have all chosen to trust our company with your business. We work to make sure that our clients are taken care of from the moment they first make contact with us, through each step of the insurance process.
https://www.insurancejournal.com/news/southcentral/2019/03/07/519976.htm
April 1, 2019
March 31, 2019
We assure you that the policies we place you with and the money we collect go to your protection with actual companies, unlike the fraud in this article.
https://www.insurancejournal.com/news/southcentral/2019/03/11/520209.htm
March 24, 2019
We want to make sure that we remind our clients and friends to secure their flood insurance before hurricane season begins. Preferred rates are in the image below and there is a waiting period. Call our offices for more information.
We want to make sure that we remind our clients and friends to secure their flood insurance before hurricane season begins. Preferred rates are in the image below and there is a waiting period. Call our offices for more information.
March 21, 2019
A computer glitch meant that our answer to the President's Day question never posted! The correct answer is Warren G. Harding, read more in the link below.
https://millercenter.org/president/harding/life-before-the-presidency
A computer glitch meant that our answer to the President's Day question never posted! The correct answer is Warren G. Harding, read more in the link below.
https://millercenter.org/president/harding/life-before-the-presidency
March 17, 2019
Foremost is one of the companies we place motorcycles with and they had an amazing time at Daytona last week!
https://www.facebook.com/ForemostInsurance/photos/pcb.10158071464688306/10158071455748306/?type=3&theater
Foremost is one of the companies we place motorcycles with and they had an amazing time at Daytona last week!
https://www.facebook.com/ForemostInsurance/photos/pcb.10158071464688306/10158071455748306/?type=3&theater
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March 7, 2019
Today, Debra received notification from the Texas Department of Insurance and YES! She is now a licensed agent! “Debra said I am approved! I am so excited and happy to have the opportunity to serve our clients and our soon to be clients!” If you are not happy with your current agent please give us a call. Douglas B. Johnson Insurance Agency, LLC 713-956-7200 www.dbjins.com |
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March 5, 2019
On Saturday, Debra took her Texas Insurance Agent exam, and we are happy to announce that she will be actively selling insurance on behalf of our agency.
March 1, 2019
On the final day of the Joe Vincent Seminar, the IIAT held a Texas Legislative Day. Debra and I called on the offices of our State Senator, John Whitmire, and our State Representative, Jessica Farrar. We also called on the office of our former Representative, Dwayne Bohac. We spent a few minutes in each office discussing insurance issues that might be addressed during this legislative session.
It is always impressive to be in the Capitol Building when the Legislature is in session. If you have never been
to the Capitol Building or visited with your representative, we highly recommend it.
On the final day of the Joe Vincent Seminar, the IIAT held a Texas Legislative Day. Debra and I called on the offices of our State Senator, John Whitmire, and our State Representative, Jessica Farrar. We also called on the office of our former Representative, Dwayne Bohac. We spent a few minutes in each office discussing insurance issues that might be addressed during this legislative session.
It is always impressive to be in the Capitol Building when the Legislature is in session. If you have never been
to the Capitol Building or visited with your representative, we highly recommend it.
February 28, 2019
Debra and I were treated to a very nice dinner at Trulucks in Austin during the Joe Vincent Seminar along with several other agents. This dinner was sponsored by McClelland & Hine, an insurance broker that our agency uses for specialty policies. Our hosts were Bob Havey, who I have known for 27 years and Shannon Applegate, the Houston branch manager for McClelland & Hine.
As you can see from these pictures, just our appetizers were impressive and yummy.
Thank you to Bob & Shannon for the treat!
Debra and I were treated to a very nice dinner at Trulucks in Austin during the Joe Vincent Seminar along with several other agents. This dinner was sponsored by McClelland & Hine, an insurance broker that our agency uses for specialty policies. Our hosts were Bob Havey, who I have known for 27 years and Shannon Applegate, the Houston branch manager for McClelland & Hine.
As you can see from these pictures, just our appetizers were impressive and yummy.
Thank you to Bob & Shannon for the treat!
February 26, 2019
Doug, his wife, Debra, and Laura recently attended the Joe Vincent Management Seminar in Austin Texas. This conference is one of several put on by the Independent Insurance Agents of Texas every year. Doug has attended for the past 11 years. We are able to network with the insurance company representatives and other insurance agents at multiple times during the conference.
Also, there are multiple sessions available on agency management, insurance industry trends, and many other subjects. Doug always enjoys this conference and looks forward to it every year.
Doug, his wife, Debra, and Laura recently attended the Joe Vincent Management Seminar in Austin Texas. This conference is one of several put on by the Independent Insurance Agents of Texas every year. Doug has attended for the past 11 years. We are able to network with the insurance company representatives and other insurance agents at multiple times during the conference.
Also, there are multiple sessions available on agency management, insurance industry trends, and many other subjects. Doug always enjoys this conference and looks forward to it every year.
February 22, 2019
Wow! Look who was sitting outside Doug's office earlier this week. He or she was so proud of themselves and sat for several minutes for us to admire. It was long enough for the whole staff to see from his office and to take pictures.
What an exciting thing to see on the Northwest side of Houston, only minutes from Downtown. We are fortunate at our office to have a lot of wildlife around, as we are surrounded by many trees!
February 20, 2019
In honor of President's Day this week, a little trivia question- Which of our nation's former presidents was, among other professions, an insurance agent at one point? Answer tomorrow!
In honor of President's Day this week, a little trivia question- Which of our nation's former presidents was, among other professions, an insurance agent at one point? Answer tomorrow!
February 16, 2019
Although this article is in reference to our neighboring state to the North, we thought it was interesting that there were no tornado related deaths for the year of 2018.
https://www.insurancejournal.com/news/southcentral/2019/01/07/514103.htm
February 10, 2019
This case is an interesting example of how video footage from a variety of sources, along with still pictures, are making an impact on collision cases and other incidents. How cases like this and claims investigations using footage are decided could change how insurance is paid out.
https://www.insurancejournal.com/news/southcentral/2019/02/11/517247.htm
This case is an interesting example of how video footage from a variety of sources, along with still pictures, are making an impact on collision cases and other incidents. How cases like this and claims investigations using footage are decided could change how insurance is paid out.
https://www.insurancejournal.com/news/southcentral/2019/02/11/517247.htm
February 8, 2019
Travelers asked us to remind you with Valentine's Day coming up, you should insure gifts that you receive from that special someone or loved ones, such as jewelry, golf clubs, computers and electronic equipment. Give us a call if you have any questions and, even if you don't need an additional policy, remember to update the inventory of your items at home.
Travelers asked us to remind you with Valentine's Day coming up, you should insure gifts that you receive from that special someone or loved ones, such as jewelry, golf clubs, computers and electronic equipment. Give us a call if you have any questions and, even if you don't need an additional policy, remember to update the inventory of your items at home.
February 2, 2019
It looks like 2018 was a better year across the board for Texas, with natural disasters reducing in number as well. The article below details a few of those components and discusses our largest issue in this area, heavy rain leading to rising water.
https://www.insurancejournal.com/news/southcentral/2019/01/18/515142.htm
January 30, 2019
In fantastic news, insurance wise or not, auto fatalities decreased in a report from last month. This means safer roads which may eventually trickle down to better rates.
https://www.insurancejournal.com/news/southcentral/2019/01/28/515967.htm
In fantastic news, insurance wise or not, auto fatalities decreased in a report from last month. This means safer roads which may eventually trickle down to better rates.
https://www.insurancejournal.com/news/southcentral/2019/01/28/515967.htm
January 25, 2019
It will be interesting to see what happens with this bill that has been presented, it would impact our area greatly in the housing market.
https://www.insurancejournal.com/news/southcentral/2019/01/14/514732.htm
It will be interesting to see what happens with this bill that has been presented, it would impact our area greatly in the housing market.
https://www.insurancejournal.com/news/southcentral/2019/01/14/514732.htm
January 23, 2019
Extra accessibility to our homes and the ease of using apps on our phones are a great benefit to the increasing number of Smart Devices we can use. However, when we connect to some of these products, especially on open WiFi, we may be running the risk of exposing our homes to break ins and other issues. See the article below about some of those risks.
https://www.insurancejournal.com/news/national/2019/01/03/513394.htm
Extra accessibility to our homes and the ease of using apps on our phones are a great benefit to the increasing number of Smart Devices we can use. However, when we connect to some of these products, especially on open WiFi, we may be running the risk of exposing our homes to break ins and other issues. See the article below about some of those risks.
https://www.insurancejournal.com/news/national/2019/01/03/513394.htm
January 18, 2019
From Doug -
Today I made the staff a big pot of home cooked grits and microwave scrambled eggs. I have gotten them all to try grits and they mostly decided that they like them when they are well cooked. The microwave scrambled eggs was a technique that I learned from a 5 year old a few years ago!
I also challenged the staff to cook something different for their own breakfast this weekend! They will all write a comment about how the new item turned out and if their family liked it.
I am looking forward to hearing about it!
From Doug -
Today I made the staff a big pot of home cooked grits and microwave scrambled eggs. I have gotten them all to try grits and they mostly decided that they like them when they are well cooked. The microwave scrambled eggs was a technique that I learned from a 5 year old a few years ago!
I also challenged the staff to cook something different for their own breakfast this weekend! They will all write a comment about how the new item turned out and if their family liked it.
I am looking forward to hearing about it!
January 16, 2019
From ant bites to Junior Mints, wild lawsuits always make those of us in the insurance business chuckle and shake our heads. Check out the list below.
https://www.insurancejournal.com/news/national/2018/12/31/513007.htm
From ant bites to Junior Mints, wild lawsuits always make those of us in the insurance business chuckle and shake our heads. Check out the list below.
https://www.insurancejournal.com/news/national/2018/12/31/513007.htm
January 12, 2019
From Ashley- Several weeks ago, I was involved in an auto accident. I can honestly say that, as a licensed agent, I did not do what I advise our clients to do.
The accident took place while driving down 610 West. I was stuck in morning traffic when the speed dropped from 50 to 10 miles per hour. The car behind me was not paying attention and could not brake in time. He tried to avoid hitting me by swerving to the shoulder, but was unsuccessful. He ended up hitting the right back corner of my car and swiped my right side. This impact caused my car to spin around, facing traffic.
I hit my stomach on the steering wheel (I was 5 months pregnant at the time) and lost my breath. The young man got out of his car with his license and insurance card and I took a picture of both. Then he left the scene. I called an ambulance but that was all I thought to do.
Once released from the hospital, I realized I did not take pictures of the accident, I did not call the police, and honestly did not even know what color car he had.
During these types of situations, things become disorienting. We need to try to remember to remain focused, call the police and collect as much information as we can. Fortunately, things did turn out well for me.
From Ashley- Several weeks ago, I was involved in an auto accident. I can honestly say that, as a licensed agent, I did not do what I advise our clients to do.
The accident took place while driving down 610 West. I was stuck in morning traffic when the speed dropped from 50 to 10 miles per hour. The car behind me was not paying attention and could not brake in time. He tried to avoid hitting me by swerving to the shoulder, but was unsuccessful. He ended up hitting the right back corner of my car and swiped my right side. This impact caused my car to spin around, facing traffic.
I hit my stomach on the steering wheel (I was 5 months pregnant at the time) and lost my breath. The young man got out of his car with his license and insurance card and I took a picture of both. Then he left the scene. I called an ambulance but that was all I thought to do.
Once released from the hospital, I realized I did not take pictures of the accident, I did not call the police, and honestly did not even know what color car he had.
During these types of situations, things become disorienting. We need to try to remember to remain focused, call the police and collect as much information as we can. Fortunately, things did turn out well for me.
January 9, 2019
One last post from Leslie about our celebration's last month- We had our Agency Christmas party recently and I enjoyed every bit of it! Doug prepared delicious food and convinced me to try scallops, mussels, and
flounder which I did not regret. We also played games hosted by Debra, exchanged gifts, and I won a couple of dollars with the assigned movie questions. I loved the stories that were shared and I look forward to future
Christmas parties!
One last post from Leslie about our celebration's last month- We had our Agency Christmas party recently and I enjoyed every bit of it! Doug prepared delicious food and convinced me to try scallops, mussels, and
flounder which I did not regret. We also played games hosted by Debra, exchanged gifts, and I won a couple of dollars with the assigned movie questions. I loved the stories that were shared and I look forward to future
Christmas parties!
January 5, 2019
From Hayde- I had an excellent time at our annual office Christmas party. Once again, Doug out did himself on all the delicious food he cooked for us, everything was made to perfection. We received awesome gifts, played games, and had so much fun enjoying each other's company. Thank you so much Doug for all that you do for us!
From Hayde- I had an excellent time at our annual office Christmas party. Once again, Doug out did himself on all the delicious food he cooked for us, everything was made to perfection. We received awesome gifts, played games, and had so much fun enjoying each other's company. Thank you so much Doug for all that you do for us!
January 3, 2019
From Priscilla- Last week's Christmas party was awesome! The laughs, the games, the gifts, and Doug's cooking were all so great! The stuffed flounder was delicious, you never know what you're missing out on until your boss cooks it!
The highlight of the Christmas party was trying to get 6 women to pose for a picture. lol Thanks to Doug's daughter, Jessica, and about 40 photos we were able to get at least one right.
Thank you to Doug and Debra for yet another successful and fun-filled Christmas party!
December 31, 2018
Happy New Year's from us to all of our clients! We encourage everyone to stay safe tonight, if you find that you've enjoyed too much, call for a ride or call a friend or stay put for the night. Let's make it a safe night for everyone.
December 27, 2018
From Laura-
Last week was our DBJ Christmas Party. As usual, Doug out did himself in cooking up a feast fit for a King! He prepared shrimp cocktail and oysters on the half shell. I must admit, this was my first time ever eating raw oysters and they were delicious! My Cajun husband was very proud of me! We also had seared scallops and mussels and garlic crostini along with chicken and sausage gumbo. However, the main dish was an incredible crab stuffed flounder!
Everything was so amazing with all the food, fellowship and games, which by the way, I finished 2nd in winning the movie trivia!
Thank you Doug and Debra for a fabulous, festive day!
December 26, 2018
From Ashley- Our Annual Christmas party this year was even better than expected! Doug spoiled us with various seafood: Oysters, Mussels, and Flounder Stuffed with Crab, for non-seafood lovers there was chicken gumbo. I look forward to this day every year, to see what is in store with our Boss/Chef. I can honestly say every year he surprises us with better food, I am a Food Lover.
We added the White Elephant game to our party this year. It was interesting to see what we all bought with a $10 limit, but I don’t think all of us stayed in our limit (I did). We also had our annual Movie Trivia Game and I got 11 out of 21 questions right. That is a win from last year when I only got 5 questions right!
To end the day, we talked and played another game that was a "Gift Card" White Elephant. This was an awesome party as always.
Thank you Doug & Debra!!
December 25, 2018
Happy Holidays to all of our clients, family, and friends!
Happy Holidays to all of our clients, family, and friends!
December 20, 2018
Just a reminder as gifts are being exchanged to be careful with the boxes you leave out at the trash or for neighborhood recycling pick up. Consider finding a local church or school that has a dumpster or recycling bin for community use.
December 13, 2018
How about that thunderstorm much of our area had last night? The infographic posted below gives great reminders about the caution we need to show when driving in wet conditions. Our winters tend to be pretty wet so keep these in mind as we transition in seasons too.
How about that thunderstorm much of our area had last night? The infographic posted below gives great reminders about the caution we need to show when driving in wet conditions. Our winters tend to be pretty wet so keep these in mind as we transition in seasons too.
December 9, 2018
As shown by this past weekend, the big rains aren't going anywhere. This is backed by evidence according to this study, and has been something Doug also states in many interactions asking about 100 year flooding. Hopefully this study will help spur a change to the flood maps so more accurate information can be used when purchasing homes and looking at insurance coverage for your household.
https://www.insurancejournal.com/news/southcentral/2018/10/01/503000.htm
December 4, 2018
Some of our surrounding areas have been selected as part of a program to receive free smoke detectors. The program is an effort to get more smoke detectors in homes to save lives with early warning in home fires. It is highly encouraged that you have one or more smoke detectors in your home.
https://www.insurancejournal.com/news/southcentral/2018/09/13/501168.htm
Some of our surrounding areas have been selected as part of a program to receive free smoke detectors. The program is an effort to get more smoke detectors in homes to save lives with early warning in home fires. It is highly encouraged that you have one or more smoke detectors in your home.
https://www.insurancejournal.com/news/southcentral/2018/09/13/501168.htm
December 1, 2018
There is a lot to say about the article linked below, and maybe she wasn't actually using it, but motorcycle use and cell phones don't mix. And if it isn't in use, securing it properly is probably a good idea.
https://www.insurancejournal.com/news/southcentral/2018/09/06/500357.htm
There is a lot to say about the article linked below, and maybe she wasn't actually using it, but motorcycle use and cell phones don't mix. And if it isn't in use, securing it properly is probably a good idea.
https://www.insurancejournal.com/news/southcentral/2018/09/06/500357.htm
November 21, 2018
We want to wish all of our clients and our community a very Happy Thanksgiving. Our business has much to be thankful for and we wish you the best!
We want to wish all of our clients and our community a very Happy Thanksgiving. Our business has much to be thankful for and we wish you the best!
November 20, 2018
We had our annual Thanksgiving feast last week at the office. The potluck is always a fun way to try new items. More to come on the delicious dishes soon!
November 16, 2018
Many of our clients and customers are busy packing right now for holiday travel. This link provides a few articles with reminders about safe travel this season.
https://www.travelers.com/prepare-prevent/auto/car-travel/holiday-driving-tips.shtm
November 13, 2018
The website is older, but the information is still good, it's time to shop for the holidays, but we want all of our clients and friends to stay safe.
http://www.houstontx.gov/police/nr/2011/nov/nr112311-2.htm
The website is older, but the information is still good, it's time to shop for the holidays, but we want all of our clients and friends to stay safe.
http://www.houstontx.gov/police/nr/2011/nov/nr112311-2.htm
November 9, 2018
Many of our clients and friends are making plans for Thanksgiving, which is rapidly approaching. While we all enjoy a delicious, deep fried turkey, we want to post these tips to make sure that everyone stays as safe as possible to be able to actually enjoy their meal.
http://www.pbs.org/food/features/five-safety-tips-for-deep-frying-turkey/
Many of our clients and friends are making plans for Thanksgiving, which is rapidly approaching. While we all enjoy a delicious, deep fried turkey, we want to post these tips to make sure that everyone stays as safe as possible to be able to actually enjoy their meal.
http://www.pbs.org/food/features/five-safety-tips-for-deep-frying-turkey/
November 4, 2018
The article below is a good article to read in consideration of how hurricanes are currently ranked. The public tends to look at these as an overall ranking of how damaging a storm will be and that is to simple of an approach. The categories measure wind gusts, but as we know from Alison in 2001 and Harvey last year, rain can be just as damaging. It seems a multiple tier approach may be better in future seasons.
https://www.abcactionnews.com/news/national/after-florence-experts-suggest-hurricane-rating-system-is-outdated-adding-sixth-category
The article below is a good article to read in consideration of how hurricanes are currently ranked. The public tends to look at these as an overall ranking of how damaging a storm will be and that is to simple of an approach. The categories measure wind gusts, but as we know from Alison in 2001 and Harvey last year, rain can be just as damaging. It seems a multiple tier approach may be better in future seasons.
https://www.abcactionnews.com/news/national/after-florence-experts-suggest-hurricane-rating-system-is-outdated-adding-sixth-category
October 30, 2018
The past two years have brought 4 Category 4 Hurricanes to our shorelines, the most the weather system has ever recorded in the 150 years it has been recording. But each of those hurricanes is different in how it impacts the areas effected. Harvey had some initial wind damage, but most of the damage that occurred was do to the incessant rain as it parked over the Gulf Coast shore line. Michael has caused considerable damage to Florida due to the ferocity of the wind and the storm surge as it slammed into their coastal areas.
https://www.theguardian.com/world/2018/oct/15/us-year-of-hurricanes-extreme-michael-irma-florence
The past two years have brought 4 Category 4 Hurricanes to our shorelines, the most the weather system has ever recorded in the 150 years it has been recording. But each of those hurricanes is different in how it impacts the areas effected. Harvey had some initial wind damage, but most of the damage that occurred was do to the incessant rain as it parked over the Gulf Coast shore line. Michael has caused considerable damage to Florida due to the ferocity of the wind and the storm surge as it slammed into their coastal areas.
https://www.theguardian.com/world/2018/oct/15/us-year-of-hurricanes-extreme-michael-irma-florence
October 27, 2018
The video below does a quick comparison of the amount of rainfall produced by Hurricane Harvey and Hurricane Florence, which hit North Carolina just a few weeks ago. An interesting note is the figure given on the number of square miles impacted by 40" of rain.
https://weather.com/storms/hurricane/video/hurricane-harvey-vs-florence-which-one-brought-the-most-rain
The video below does a quick comparison of the amount of rainfall produced by Hurricane Harvey and Hurricane Florence, which hit North Carolina just a few weeks ago. An interesting note is the figure given on the number of square miles impacted by 40" of rain.
https://weather.com/storms/hurricane/video/hurricane-harvey-vs-florence-which-one-brought-the-most-rain
October 20, 2018
To follow up on our last post, the lack of coverage applies to renting motorized scooters and bikes only. With the increase in regular bicycle sharing, it's important to note that pedal bikes have different rules. Many times an accident involving a rented pedal bike would be covered under the general liability portion of an insurance policy, but there are always exceptions to this too!
To follow up on our last post, the lack of coverage applies to renting motorized scooters and bikes only. With the increase in regular bicycle sharing, it's important to note that pedal bikes have different rules. Many times an accident involving a rented pedal bike would be covered under the general liability portion of an insurance policy, but there are always exceptions to this too!
October 16, 2018
The popularity of urban bike and scooter rental is on the rise and there are multiple companies that offer a variety of different experiences. These rentals can be fun and a great way to see an area or get in a little recreation time. Think carefully however on what you would do in case of an accident in these cases. These products are tricky when it comes to coverage and more often than not, are not covered under most policies, auto, homeowners, or otherwise.
https://www.iamagazine.com/strategies/read/2018/09/28/electric-scooter-and-bike-rentals-are-your-clients-covered
The popularity of urban bike and scooter rental is on the rise and there are multiple companies that offer a variety of different experiences. These rentals can be fun and a great way to see an area or get in a little recreation time. Think carefully however on what you would do in case of an accident in these cases. These products are tricky when it comes to coverage and more often than not, are not covered under most policies, auto, homeowners, or otherwise.
https://www.iamagazine.com/strategies/read/2018/09/28/electric-scooter-and-bike-rentals-are-your-clients-covered
October 14, 2018
This is a great infographic that shares information about school bus design and safety. There is a recent push to install seat belts on all school busses in some of the area districts as well, something that has not been standard.
This is a great infographic that shares information about school bus design and safety. There is a recent push to install seat belts on all school busses in some of the area districts as well, something that has not been standard.
October 12, 2018
It's a great day when the office get's to celebrate a birthday, especially when it's Doug's! The office was treated to pizza, salad, and cake. And Doug was treated too!
October 7, 2018
Continued from our last post, a real life scenario: An insured pays their vehicle off and no longer is required by their lender to carry comprehensive or collision coverage. The insured decides to remove the coverages. Unfortunately, the vehicle is flooded. Because the insured decided to remove comprehensive and collision there is no coverage in place. Luckily, the owner has the financial ability to replace the vehicle without going through a hardship. However, this is not always the case. Around 40% of insureds did not have comprehensive coverage when Hurricane Harvey hit. When deciding what coverages to keep or remove please look at your options closely and think about what you could absorb financially.
October 5, 2018
Insurance -
It is a means of protection from financial loss. It is also a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.
We highly recommend that you maintain insurance coverage even after a loan has been paid off.
Think about it, If your house burns down and you do not have a policy in place to cover it, will you be financially stable? What if your auto is flooded? Do you have the proper insurance coverage to replace it? If not, how will your wallet feel after the loss? When adding or removing coverages from your home or auto policies, we would advise you to go over the coverages carefully and make sure you are insured properly.
You can call our office for questions about your coverage.
Insurance -
It is a means of protection from financial loss. It is also a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.
We highly recommend that you maintain insurance coverage even after a loan has been paid off.
Think about it, If your house burns down and you do not have a policy in place to cover it, will you be financially stable? What if your auto is flooded? Do you have the proper insurance coverage to replace it? If not, how will your wallet feel after the loss? When adding or removing coverages from your home or auto policies, we would advise you to go over the coverages carefully and make sure you are insured properly.
You can call our office for questions about your coverage.
September 26, 2018
No matter the size of the road or the amount of traffic on it, please reference the graphic below for when to stop for busses that are loading and unloading students. We want our clients and all kids to be safe!
No matter the size of the road or the amount of traffic on it, please reference the graphic below for when to stop for busses that are loading and unloading students. We want our clients and all kids to be safe!
September 22, 2018
We are at the IIAT Conference for Small Agencies over the next couple of days. These conferences are important for staying ahead of changes and trends, for getting information, and for educating ourselves on topics that will help us with reaching our clients and serving them better. Look for an update or two to come soon.
September 18, 2018
We are happy to announce that our team is expanding to better serve our customers and surrounding areas. Kirk is a new producer to our agency and we will have more information about him to come.
We are happy to announce that our team is expanding to better serve our customers and surrounding areas. Kirk is a new producer to our agency and we will have more information about him to come.
September 14, 2018
We have posted about "bumper sticker" safety before, take a look at this graphic for some helpful tips. Just an extra idea or two to keep our families safe.
September 9, 2018
Yesterday was the anniversary of the storm that hit Galveston in 1900. Could you imagine living through a hurricane like Harvey with no warning, no preparation, little communication, and little infrastructure? This article gives a little comparison.
https://www.forbes.com/sites/kevinmurnane/2017/08/27/as-terrible-as-harvey-is-the-galveston-hurricane-of-1900-was-much-much-worse/
September 4, 2018
Just a few reminders about driving safety with back to school in full swing. We will be posting several tips over the next week or so!
Just a few reminders about driving safety with back to school in full swing. We will be posting several tips over the next week or so!
August 30, 2018
From Leslie-
It has been a long and educational year since I was hired by Douglas B. Johnson Insurance Agency! I remember being nervous, since I have never worked in the insurance industry. I am glad that I have learned a lot throughout these months.
The first thing I learned was how to issue flood policies due to being hired just a few days before the devastating Hurricane Harvey Flood! I hope to make a lot of accomplishments this following year!
August 28. 2018
Over the past few weeks our traffic has been getting heavier and heavier with back to school. As of yesterday, with HISD and CFISD, the two largest districts in our area, beginning school, traffic is at it's peak and all school zones are active. We will be posting a few reminders to deal with this heavy time in the days to come.
For starters, just be aware that there is now more congestion in those typical drop off times all over town. Everyone is dropping kids off and getting to work in the same block of hours and the same for coming home!
Over the past few weeks our traffic has been getting heavier and heavier with back to school. As of yesterday, with HISD and CFISD, the two largest districts in our area, beginning school, traffic is at it's peak and all school zones are active. We will be posting a few reminders to deal with this heavy time in the days to come.
For starters, just be aware that there is now more congestion in those typical drop off times all over town. Everyone is dropping kids off and getting to work in the same block of hours and the same for coming home!
August 26, 2018
It's been a year since Hurricane Harvey began changing the lives in and shape of Houston forever. We know that many of our clients, family, and friends are still working on recovery. It is still fresh in our minds here and our thoughts are with all of you.
Image from cnn.com
It's been a year since Hurricane Harvey began changing the lives in and shape of Houston forever. We know that many of our clients, family, and friends are still working on recovery. It is still fresh in our minds here and our thoughts are with all of you.
Image from cnn.com
August 21, 2018
In case you haven't realized, we are approaching the one year anniversary of Hurricane Harvey. That is important for anyone impacted by the storm, but especially for any friends or family who still need to file their claim. The deadline for wind damages and flooding damages is one year. For the wind, it is specifically on the 25th (in 4 days) because that is the day Harvey made landfall. Please make sure that all claims are in before that date.
August 20, 2018
Sometimes it is difficult to know how your health insurance is being filed by providers, but help the industry out by looking over those claims and coding. Not only is activity like that listed in the article is illegal, but it also can impact insurance rates.
https://www.insurancejournal.com/news/southcentral/2018/07/03/494147.htm
Sometimes it is difficult to know how your health insurance is being filed by providers, but help the industry out by looking over those claims and coding. Not only is activity like that listed in the article is illegal, but it also can impact insurance rates.
https://www.insurancejournal.com/news/southcentral/2018/07/03/494147.htm
August 15, 2018
A national headline that impacts our neighbors down 290, there are continuing issues behind the Blue Bell listeria outbreak from 2015. Judges and health officials both look closely at the companies when there are outbreaks, several other companies are under close monitoring right now as well.
https://www.insurancejournal.com/news/southcentral/2018/07/09/494370.htm
A national headline that impacts our neighbors down 290, there are continuing issues behind the Blue Bell listeria outbreak from 2015. Judges and health officials both look closely at the companies when there are outbreaks, several other companies are under close monitoring right now as well.
https://www.insurancejournal.com/news/southcentral/2018/07/09/494370.htm
August 11, 2018
We aren't sure if this is the best solution, but it is an interesting article to see how one homeowner is trying to avoid flooding in the future and how he is taking matters into his own hands.
https://www.insurancejournal.com/news/southcentral/2018/06/29/493567.htm
We aren't sure if this is the best solution, but it is an interesting article to see how one homeowner is trying to avoid flooding in the future and how he is taking matters into his own hands.
https://www.insurancejournal.com/news/southcentral/2018/06/29/493567.htm
August 5, 2018
Further news that different sources are trying to find ways to alleviate the growing threat of flooding here in this area. There are a lot of thoughts out there about this issue, but here is one idea.
https://www.insurancejournal.com/news/southcentral/2018/07/12/494683.htm
Further news that different sources are trying to find ways to alleviate the growing threat of flooding here in this area. There are a lot of thoughts out there about this issue, but here is one idea.
https://www.insurancejournal.com/news/southcentral/2018/07/12/494683.htm
August 2, 2018
The media always scares us and asks:
Do you have hurricane coverage?
The answer for most of us with a homeowners policy is (probably) YES!
Only in the "First Tier" of counties in Texas are the insurance carriers allowed to exclude wind coverage in the standard policies. In order to obtain wind coverage we can provide a policy though 'Texas Wind Storm Insurance association' (TWIA).
In the "Second Tier" of counties in Texas and those farther inland the wind coverage is included on almost all of the homeowners policies.
An exception to this rule is if you had a "Surplus Lines" homeowners policy.
If you have a surplus lines policy, it would have taxes and fees shown on the Declaration Page. There would also be a surplus lines notice as one of the first pages of the policy packet.
For most of us with standard insurance homeowners policies hurricane and hail would be included in the policy.
Please call us if you have any questions about your coverage.
The tan in the picture attached shows First Tier counties.
The media always scares us and asks:
Do you have hurricane coverage?
The answer for most of us with a homeowners policy is (probably) YES!
Only in the "First Tier" of counties in Texas are the insurance carriers allowed to exclude wind coverage in the standard policies. In order to obtain wind coverage we can provide a policy though 'Texas Wind Storm Insurance association' (TWIA).
In the "Second Tier" of counties in Texas and those farther inland the wind coverage is included on almost all of the homeowners policies.
An exception to this rule is if you had a "Surplus Lines" homeowners policy.
If you have a surplus lines policy, it would have taxes and fees shown on the Declaration Page. There would also be a surplus lines notice as one of the first pages of the policy packet.
For most of us with standard insurance homeowners policies hurricane and hail would be included in the policy.
Please call us if you have any questions about your coverage.
The tan in the picture attached shows First Tier counties.
July 26, 2018
When is the best time to create an insurance inventory in case of a fire, flood, or other catastrophe? Right now of course! Take a look at the article below and begin taking steps to make sure your contents are catalogued, at least at the basic level. We like what the article says about taking still pictures (which adjustors prefer) and using video that you narrate specifics in to help jog your memory if needed in listing information about items.
https://www.iii.org/article/how-create-home-inventory
When is the best time to create an insurance inventory in case of a fire, flood, or other catastrophe? Right now of course! Take a look at the article below and begin taking steps to make sure your contents are catalogued, at least at the basic level. We like what the article says about taking still pictures (which adjustors prefer) and using video that you narrate specifics in to help jog your memory if needed in listing information about items.
https://www.iii.org/article/how-create-home-inventory
July 20, 2018
We are proud to announce our partnership and new appointment with State Auto. Having multiple appointments guarantees that our clients are getting the best possible rates paired with the individualized service that our office strives to provide.
https://www.stateauto.com
We are proud to announce our partnership and new appointment with State Auto. Having multiple appointments guarantees that our clients are getting the best possible rates paired with the individualized service that our office strives to provide.
https://www.stateauto.com
July 15, 2018
We completely agree that one of the best ways to beat the heat is to hang out with friends and family by the pool. But it can also quickly turn into a dangerous situation. We've posted articles about pool safety before, check out the link below for a lesser known situation known as "dry drowning". The article includes symptoms and what to do if you suspect a child or someone else is experiencing it.
https://www.cbsnews.com/news/family-warns-of-dry-drowning-after-4-year-old-nearly-dies-from-swallowing-pool-water/
July 10, 2018
Yet another article that talks about the record breaking event of Hurricane Harvey.
https://www.khou.com/article/news/local/brookss-blog-harvey-was-worst-rainstorm-in-us-history/285-572201598
Yet another article that talks about the record breaking event of Hurricane Harvey.
https://www.khou.com/article/news/local/brookss-blog-harvey-was-worst-rainstorm-in-us-history/285-572201598
July 2, 2018
We are looking forward to the 4th of July tomorrow, but want each of our clients to be safe within their celebrations. We will be posting a few tidbits to help remind everyone about how to take extra care!
According to an article on FoxBusiness.com, “The National Highway Traffic Safety Administration (NHTSA) has been tracking car crash statistics for a quarter of a century. 4th of July almost always tops the list. Statistics gathered over the past 25 years show that, on average, nearly 51 percent of all deadly traffic crashes on July 4th are related to alcohol."
We are looking forward to the 4th of July tomorrow, but want each of our clients to be safe within their celebrations. We will be posting a few tidbits to help remind everyone about how to take extra care!
According to an article on FoxBusiness.com, “The National Highway Traffic Safety Administration (NHTSA) has been tracking car crash statistics for a quarter of a century. 4th of July almost always tops the list. Statistics gathered over the past 25 years show that, on average, nearly 51 percent of all deadly traffic crashes on July 4th are related to alcohol."
June 28, 2018
Reposting this article as people prepare for the 4th of July celebration next week. Please be responsible with your firework usage or, better yet, enjoy a community or city organized firework display.
https://www.insurancejournal.com/news/southcentral/2018/01/05/476431.htm
Reposting this article as people prepare for the 4th of July celebration next week. Please be responsible with your firework usage or, better yet, enjoy a community or city organized firework display.
https://www.insurancejournal.com/news/southcentral/2018/01/05/476431.htm
June 13, 2018
If you were ever curious on the reports released for Hurricanes from our government, check out the one linked below from Harvey. The information is extensive and comprehensive. Of particular note is the tracking of what level storm it was on each day, some of the different maps (including overall rain fall for the entire nation), and an analysis on warnings issued. Fair warning, it’s 77 pages long!
https://www.nhc.noaa.gov/data/tcr/AL092017_Harvey.pdf
If you were ever curious on the reports released for Hurricanes from our government, check out the one linked below from Harvey. The information is extensive and comprehensive. Of particular note is the tracking of what level storm it was on each day, some of the different maps (including overall rain fall for the entire nation), and an analysis on warnings issued. Fair warning, it’s 77 pages long!
https://www.nhc.noaa.gov/data/tcr/AL092017_Harvey.pdf
June 6, 2018
This New York Times article discusses an accident fatality that happened in one of the test markets for self driving Uber vehicles. On this page we’ve discussed both of those components, self driving and Uber, separately, it’s strange that the two are converging so quickly. The article does contain some sensitive video footage, but you can read the article without watching the videos and see how the self driving technology works.
https://www.nytimes.com/interactive/2018/03/20/us/self-driving-uber-pedestrian-killed.html
This New York Times article discusses an accident fatality that happened in one of the test markets for self driving Uber vehicles. On this page we’ve discussed both of those components, self driving and Uber, separately, it’s strange that the two are converging so quickly. The article does contain some sensitive video footage, but you can read the article without watching the videos and see how the self driving technology works.
https://www.nytimes.com/interactive/2018/03/20/us/self-driving-uber-pedestrian-killed.html
June 3, 2018
It’s easy to want to move your child into a smaller or simpler seating situation in your vehicle, but make sure you are doing what is best for their overall development. The link below discusses several factors you should check for before moving them out of their car seat/booster seat.
https://csftl.org/boosters-are-for-very-big-kids/
It’s easy to want to move your child into a smaller or simpler seating situation in your vehicle, but make sure you are doing what is best for their overall development. The link below discusses several factors you should check for before moving them out of their car seat/booster seat.
https://csftl.org/boosters-are-for-very-big-kids/
June 1, 2018
Our neighbors to the north, in Dallas, experienced a string of fatal car accidents involving children this spring. One of their local hospitals published the article linked below to encourage parents everywhere to buckle up their children every time and make sure their children are in an age appropriate place in the car. As the article states below, summer usually sees an increase in accidents and it’s easy to take shortcuts to get to the next place. Make safety your number one priority every time.
https://www.checkupnewsroom.com/string-of-recent-car-crashes-injures-a-dozen-children-2-fatal/
Our neighbors to the north, in Dallas, experienced a string of fatal car accidents involving children this spring. One of their local hospitals published the article linked below to encourage parents everywhere to buckle up their children every time and make sure their children are in an age appropriate place in the car. As the article states below, summer usually sees an increase in accidents and it’s easy to take shortcuts to get to the next place. Make safety your number one priority every time.
https://www.checkupnewsroom.com/string-of-recent-car-crashes-injures-a-dozen-children-2-fatal/
May 25, 2018
From Leslie- The office hosted a second birthday celebration for Laura and I today. We had a great time laughing with the bosses and our coworkers and enjoyed a birthday lunch and cake! I look forward to more days like these!
From Leslie- The office hosted a second birthday celebration for Laura and I today. We had a great time laughing with the bosses and our coworkers and enjoyed a birthday lunch and cake! I look forward to more days like these!
May 24, 2018
From Laura- Thank you Doug, for the yummy birthday lunch! It was great to eat Vietnamese food, along with "The Wet Cake" Debra brought. I believe it is called Tres Leches but it will always be wet cake to me. Ha!
From Laura- Thank you Doug, for the yummy birthday lunch! It was great to eat Vietnamese food, along with "The Wet Cake" Debra brought. I believe it is called Tres Leches but it will always be wet cake to me. Ha!
May 19, 2018
Sometimes we need to reference those yankees up north to remember what terms like "500 Year Flooding" actually means. Statistics is a lot more complicated than a "1 in ___" chance, especially with so many variables like urbanization and weather patterns shifting.
https://www.nytimes.com/interactive/2017/08/28/climate/500-year-flood-hurricane-harvey-houston.html
Sometimes we need to reference those yankees up north to remember what terms like "500 Year Flooding" actually means. Statistics is a lot more complicated than a "1 in ___" chance, especially with so many variables like urbanization and weather patterns shifting.
https://www.nytimes.com/interactive/2017/08/28/climate/500-year-flood-hurricane-harvey-houston.html
May 17, 2018
Texas Monthly interviewed someone who studies storms and beaches, who predicted Harvey and it's devastation for years before it was on our literal radar. See what he says about the chances of a similar event happening again.
https://www.texasmonthly.com/articles/hurricane-harvey-will-happen/
Texas Monthly interviewed someone who studies storms and beaches, who predicted Harvey and it's devastation for years before it was on our literal radar. See what he says about the chances of a similar event happening again.
https://www.texasmonthly.com/articles/hurricane-harvey-will-happen/
May 13, 2018
As hurricane season rolls around once again, many in our area are, understandably, reflecting on Harvey. The article below gives a good estimate of some comparisons made right after Harvey cleared out last year. As you prepare for this year, please call us if you have questions about your coverage.
http://www.newsweek.com/hurricane-harvey-katrina-monster-storms-understanding-devastation-657079
As hurricane season rolls around once again, many in our area are, understandably, reflecting on Harvey. The article below gives a good estimate of some comparisons made right after Harvey cleared out last year. As you prepare for this year, please call us if you have questions about your coverage.
http://www.newsweek.com/hurricane-harvey-katrina-monster-storms-understanding-devastation-657079
May 12, 2018
Please think about taking time to review the information in the link below, detailing the increase in distracted drivers and what that means for all drivers on the road.
https://www.travelers.com/travelers-institute/iw-documents/WEBSITE_FINAL_Every_Second_Matters_Conversation_Starter.pdf
Please think about taking time to review the information in the link below, detailing the increase in distracted drivers and what that means for all drivers on the road.
https://www.travelers.com/travelers-institute/iw-documents/WEBSITE_FINAL_Every_Second_Matters_Conversation_Starter.pdf
May 6, 2018
Below are a few tips for completing and storing your inventory:
-Add brand names and descriptions where you can, especially on large-ticket items. Serial numbers are helpful to note.
-Keep any receipts you have with the inventory list to make the claims process easier.
-Take pictures or record a video of all of your belongings.
-Make sure to store your video or photo inventory offsite so you won’t lose it if your house is damaged.
-Remember to update your personal property records when you purchase new furnishings and valuables.
-Though the task may seem daunting, it’s important to try. An incomplete inventory is better than nothing at all. Below you will find the Safeco Home inventory app for iPhones and Magic Home Inventory app for Androids.
If you would like to receive further insurance advice please do not hesitate to contact our office for further assistance.
We look forward to hearing from you.
713-956-7200
Below are a few tips for completing and storing your inventory:
-Add brand names and descriptions where you can, especially on large-ticket items. Serial numbers are helpful to note.
-Keep any receipts you have with the inventory list to make the claims process easier.
-Take pictures or record a video of all of your belongings.
-Make sure to store your video or photo inventory offsite so you won’t lose it if your house is damaged.
-Remember to update your personal property records when you purchase new furnishings and valuables.
-Though the task may seem daunting, it’s important to try. An incomplete inventory is better than nothing at all. Below you will find the Safeco Home inventory app for iPhones and Magic Home Inventory app for Androids.
If you would like to receive further insurance advice please do not hesitate to contact our office for further assistance.
We look forward to hearing from you.
713-956-7200
May 4, 2018
People will often say that dog bites aren't that big of a deal, until we or someone we know actually have to deal with one. This is an issue that insurance companies have to address regularly, and that issue is increasing in frequency and in cost each year. As a dog owner, you can be held responsible for what your dog does, on and off your property. Please see the attached article for more information.
People will often say that dog bites aren't that big of a deal, until we or someone we know actually have to deal with one. This is an issue that insurance companies have to address regularly, and that issue is increasing in frequency and in cost each year. As a dog owner, you can be held responsible for what your dog does, on and off your property. Please see the attached article for more information.
April 24, 2018
This comment is going to sound like a Jeff Foxworthy joke, but here it goes.
It might be time to clean out your gutters if you have a vegetable garden growing in them!
When gutters are this full of dirt, it causes water to flow back to the house along the fascia board and even under the roof. That back flow will cause rot and other problems over time.
This kind of long term slow damage due to maintenance issues is usually not covered by most homeowners policies. So this sort of maintenance needs to be done on a regular basis.
April 20, 2018
Many choose to celebrate with fireworks at New Years and the Fourth of July, and often times the days around those two holidays. We are also seeing an increase in fireworks used for weddings, birthdays, and other celebrations. That being said, even in areas where they are legal, citizens still need to be careful and cautious with their use.
https://www.insurancejournal.com/news/southcentral/2018/01/05/476431.htm
Many choose to celebrate with fireworks at New Years and the Fourth of July, and often times the days around those two holidays. We are also seeing an increase in fireworks used for weddings, birthdays, and other celebrations. That being said, even in areas where they are legal, citizens still need to be careful and cautious with their use.
https://www.insurancejournal.com/news/southcentral/2018/01/05/476431.htm
April 6, 2018
Texas has been in the news for major weather shifts a lot recently, many of us felt just as unprepared for the hard freezes we had as we did for the flooding after Harvey. We will have to continue to learn how to protect our homes during cold weather next winter!
https://www.insurancejournal.com/news/southcentral/2018/01/22/477923.htm
Texas has been in the news for major weather shifts a lot recently, many of us felt just as unprepared for the hard freezes we had as we did for the flooding after Harvey. We will have to continue to learn how to protect our homes during cold weather next winter!
https://www.insurancejournal.com/news/southcentral/2018/01/22/477923.htm
March 29, 2018
This isn't really a record that the Greater Houston area wanted to break or come close to breaking, but it does give a good indication of how widespread and large the damage was from Harvey in the fall.
https://www.insurancejournal.com/news/southcentral/2018/01/29/478743.htm
This isn't really a record that the Greater Houston area wanted to break or come close to breaking, but it does give a good indication of how widespread and large the damage was from Harvey in the fall.
https://www.insurancejournal.com/news/southcentral/2018/01/29/478743.htm
March 28, 2018
As a follow up to the above article, one of the ways people are trying to minimize damages in the future is by thinking about a storm barrier in place. The article speaks a little about the projected numbers involved if one was in place, but doesn't mention the overall cost.
https://www.insurancejournal.com/news/southcentral/2018/01/11/476993.htm
As a follow up to the above article, one of the ways people are trying to minimize damages in the future is by thinking about a storm barrier in place. The article speaks a little about the projected numbers involved if one was in place, but doesn't mention the overall cost.
https://www.insurancejournal.com/news/southcentral/2018/01/11/476993.htm
March 24, 2018
This article, from one of the best schools in the nation, outlines some of the ways urban planning and engineering can help or hinder the prevention of damage from future climate events in coastal areas. It will be interesting to see what changes are made in our own region.
https://www.insurancejournal.com/news/southcentral/2018/02/06/479649.htm
This article, from one of the best schools in the nation, outlines some of the ways urban planning and engineering can help or hinder the prevention of damage from future climate events in coastal areas. It will be interesting to see what changes are made in our own region.
https://www.insurancejournal.com/news/southcentral/2018/02/06/479649.htm
March 16, 2018
Today, our Travelers Insurance Sales Executive bought our lunch. Our agency performed very well on an audit that was performed by Travelers for file documentation.
The lunch was from Gatlins Bar B Que. If you have never eaten at Gatlins you are missing out on great bar-b-que. And they are only about 1/2 a mile from my house!!
We were also wearing our blue Travelers shirts that Eileen brought to us not long ago. The gentleman in the red Travelers shirt is Mac Johnson, a Senior Manager in the Property Claims Department of Travelers. He always shares his knowledge regarding claims with us and also likes to share a few funny stories.
Thank you to our staff for doing a great job on our file documentation AND thank you to Travelers for all you do for our agency and our clientele.
Today, our Travelers Insurance Sales Executive bought our lunch. Our agency performed very well on an audit that was performed by Travelers for file documentation.
The lunch was from Gatlins Bar B Que. If you have never eaten at Gatlins you are missing out on great bar-b-que. And they are only about 1/2 a mile from my house!!
We were also wearing our blue Travelers shirts that Eileen brought to us not long ago. The gentleman in the red Travelers shirt is Mac Johnson, a Senior Manager in the Property Claims Department of Travelers. He always shares his knowledge regarding claims with us and also likes to share a few funny stories.
Thank you to our staff for doing a great job on our file documentation AND thank you to Travelers for all you do for our agency and our clientele.
March 8, 2018
The article linked below breaks down the large number of claims made to date in response to Harvey. The article also breaks down the different types of claims and why people made claims who may not have had the correct coverage in place.
https://www.insurancejournal.com/news/southcentral/2018/02/13/480405.htm
The article linked below breaks down the large number of claims made to date in response to Harvey. The article also breaks down the different types of claims and why people made claims who may not have had the correct coverage in place.
https://www.insurancejournal.com/news/southcentral/2018/02/13/480405.htm
March 5, 2018
It is interesting to think about having to "add in" sounds to cars, but as more cars are electric, this is a component of safety that pedestrians and others on the road are certainly aware of.
https://www.insurancejournal.com/news/national/2018/02/27/481641.htm
It is interesting to think about having to "add in" sounds to cars, but as more cars are electric, this is a component of safety that pedestrians and others on the road are certainly aware of.
https://www.insurancejournal.com/news/national/2018/02/27/481641.htm
February 25, 2018
Reflections on Harvey from Priscilla- I remember Harvey like it was yesterday. It was the night of a huge fight event we were all so eager to see. The fight didn't end the way we hoped for and the night didn’t either. We ended up being stranded at a friend's house. Everyone knew or got word that I was an insurance agent so the days stranded there were filled with questions about flood, homeowners, and auto policies. I reviewed declaration pages and explained coverages. In return, I had my safety and I was given shelter and food the next several days. lol #Grateful #NoComplaints
Reflections on Harvey from Priscilla- I remember Harvey like it was yesterday. It was the night of a huge fight event we were all so eager to see. The fight didn't end the way we hoped for and the night didn’t either. We ended up being stranded at a friend's house. Everyone knew or got word that I was an insurance agent so the days stranded there were filled with questions about flood, homeowners, and auto policies. I reviewed declaration pages and explained coverages. In return, I had my safety and I was given shelter and food the next several days. lol #Grateful #NoComplaints
February 21, 2018
Leslie recently passed her licensing test! Here are her thoughts about the process-
It is so exciting to have the insurance license in place! It just felt like a burden to think that I had to pass a test. The great thing was that I felt prepared, due to my boss paying for Kaplan classes to walk me through the whole Property and Casualty Insurance Licensing Exam Book. Kaplan has great teachers that make the book more understandable, but my experience with the test was not so pleasant. The test covered everything that was in the book, but the questions were confusing if not read three times or more. It was a lot of hard work and required focus and attention to details. I am glad to say that, finally, the test was passed and I can not wait to continue to learn new things!
Congratulations to Leslie!
Leslie recently passed her licensing test! Here are her thoughts about the process-
It is so exciting to have the insurance license in place! It just felt like a burden to think that I had to pass a test. The great thing was that I felt prepared, due to my boss paying for Kaplan classes to walk me through the whole Property and Casualty Insurance Licensing Exam Book. Kaplan has great teachers that make the book more understandable, but my experience with the test was not so pleasant. The test covered everything that was in the book, but the questions were confusing if not read three times or more. It was a lot of hard work and required focus and attention to details. I am glad to say that, finally, the test was passed and I can not wait to continue to learn new things!
Congratulations to Leslie!
February 16, 2018
It's our 10th Anniversary
On February 10th, 2018, we celebrated Douglas B. Johnson Insurance Agency's 10th Anniversary. We have made much progress from the first week we moved into our offices at the Wells Fargo building on 290 and 43rd. We had to arrange the office very quickly and it has worked out very well for our agency.
There are now 6 of us full time in the agency. We also have 3 others (my 2 daughters
and my wife) who assist with our website, artwork, social media, and other functions on a
part time basis.
We have been in the offices at 2190 North Loop West for 7 years. We added 2 small offices to our suite so that we will be able to accommodate future growth.
So thank you to all of our clients and congratulations to all of our staff on our
10th Anniversary!
It's our 10th Anniversary
On February 10th, 2018, we celebrated Douglas B. Johnson Insurance Agency's 10th Anniversary. We have made much progress from the first week we moved into our offices at the Wells Fargo building on 290 and 43rd. We had to arrange the office very quickly and it has worked out very well for our agency.
There are now 6 of us full time in the agency. We also have 3 others (my 2 daughters
and my wife) who assist with our website, artwork, social media, and other functions on a
part time basis.
We have been in the offices at 2190 North Loop West for 7 years. We added 2 small offices to our suite so that we will be able to accommodate future growth.
So thank you to all of our clients and congratulations to all of our staff on our
10th Anniversary!
February 14, 2018
Today our awesome boss, Doug, brought us chocolates for Valentine's Day. Not only that, but because almost everyone in the office loves Tabasco sauce (and we usually finish it pretty fast), he brought us a Tabasco sauce! Also shown is a lunch kit for our awesome Team Leader, since it is her 1 year anniversary as being such. Thank you to Doug for the awesome thought and congratulations to Laura on making it such a great place to work!
Today our awesome boss, Doug, brought us chocolates for Valentine's Day. Not only that, but because almost everyone in the office loves Tabasco sauce (and we usually finish it pretty fast), he brought us a Tabasco sauce! Also shown is a lunch kit for our awesome Team Leader, since it is her 1 year anniversary as being such. Thank you to Doug for the awesome thought and congratulations to Laura on making it such a great place to work!
February 10, 2018
Reflections from Leslie- Hurricane Harvey happened a few days after I started working for the agency. It gave me a lot of practice for issuing Flood Insurance Policies. However, it was also very devastating for many people. A lot of people lost their homes and many did not have a flood policy. I hope if this ever happens again, everyone can be prepared. It is so overwhelming seeing people suffer of all these losses.
February 6, 2018
A reflection from Laura- Hurricane Harvey was a devastating storm, however it displayed a great sense of community from not just the locals, but from all over the country. I was personally moved by the outreach and the desire to help rescue and to help provide food, clothing, and shelter. It seemed as if the world would not stop sending in boats and vehicles that could push through the high water until everyone here was brought out to safety. And even though the repairs of our homes are far from over, I believe we are able to lift up our hands and thank God for the comradery that was shown here during and after this challenging event.
A reflection from Laura- Hurricane Harvey was a devastating storm, however it displayed a great sense of community from not just the locals, but from all over the country. I was personally moved by the outreach and the desire to help rescue and to help provide food, clothing, and shelter. It seemed as if the world would not stop sending in boats and vehicles that could push through the high water until everyone here was brought out to safety. And even though the repairs of our homes are far from over, I believe we are able to lift up our hands and thank God for the comradery that was shown here during and after this challenging event.
January 31, 2018
For the next few years, we highly recommend that anyone purchasing a car, uses the NICB VIN Check for a free report that will give information on insurance claims, car collisions, and flooding for a vehicle you are interested in purchasing. We want our clients to be protected from fraud prior to the purchase of a used vehicle. Of course we can take care of the insurance after you purchase the new or used vehicle.
https://www.nicb.org/theft_and_fraud_awareness/vincheck
For the next few years, we highly recommend that anyone purchasing a car, uses the NICB VIN Check for a free report that will give information on insurance claims, car collisions, and flooding for a vehicle you are interested in purchasing. We want our clients to be protected from fraud prior to the purchase of a used vehicle. Of course we can take care of the insurance after you purchase the new or used vehicle.
https://www.nicb.org/theft_and_fraud_awareness/vincheck
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January 27, 2018 Another great resource that we encourage our clients to check out is linked below. The McGruff Safe Kit can help in the horrible event that a child is missing from your home. While we hope it is never used, having the information on hand can give peace of mind to parents and other care takers. http://www.mcgruffsafekit.com January 10, 2018
This is a great resource for parents and others who want additional information about car seat safety. Not only are there recommendations for car seats based on vehicle type, but rules and regulations are detailed in addition to installation tips. https://www.safercar.gov December 28, 2017
From Hayde- I had a wonderful time this year at our annual Christmas party. Everything Doug made for us was delicious, of course! I loved every part of the party and enjoyed spending time with the DBJ family, thank you for everything! 
December 25, 2017
From Leslie- We had an awesome Christmas party on Tuesday! Doug cooked some delicious food and I can no longer say that I do not like seafood. My favorite was the crab dip sauce, which I tried for the first time. We played games about questions on two movies and each question was worth one dollar. I won nine dollars and three gift cards! It was an awesome day spending time with the bosses and the girls! 
December 24, 2017 This year we had a very special Christmas with everyone at DBJ. Doug made awesome food that I could not get enough of, especially the gumbo. My favorite part of the party was when Debra Johnson and our team leader, Laura Ledet, wrestled for a cheat sheet Laura brought for the Christmas games. However, I don’t think Doug found it very amusing, but I did! 
December 23, 2017
From Laura- On Tuesday, we had our annual Christmas Party and this year it was "Cajun Cuisine"! With so many appetizers and dishes to enjoy, I stuffed myself to the limit! It was stupendous! And even though Debra wrestled my notes out of hand and ate them, I again, was the "Top Winner" of the movie trivia game with Jessica. Also, the team and I knocked it out of the park this year when presenting Doug with his Christmas gift! His initial expression was priceless and by far my favorite part of the day. This was the best party ever! 
December 20, 2017
More from our fun day out! 
December 18, 2017 Over the next few days we will be sharing a few pictures from the office's celebrations! Laura shared- For Christmas this year, Doug sent us all on a spa day and shopping trip! We were treated to lunch, pedicures, and shopping at Macy's! If that was not a enough, we were blessed with a Christmas bonus to spend on ourselves! Thank you Doug, for a great ending to a great year! 
December 11, 2017 We wanted to share this website for our clients with young children to check out for some general information for fire safety. Especially important is talking to your kids about a clear plan, in the Johnson house, the rule was always to "meet out by the tree". http://www.firesafekids.org/safety.html December 2, 2017
From Leslie- I am preparing to take the Texas Insurance License Exam. The closer it gets, the more nervous I feel! That being said, it is a great experience working for this agency and all of the staff is very helpful with the learning process. I hope I pass the test! Wish me luck! November 30, 2017
This article about a man who crashed his brand new, as in one hour old, Ferrari caught our eye. A driver in the U.K. bought a super rare version of this super car and details aren't clear on how the accident occurred. https://www.cnbc.com/2017/07/28/ferrari-driver-crashes-288000-supercar-just-an-hour-after-purchase.html November 23, 2017
We wish all of our clients a very Happy Thanksgiving and hope everyone has a safe weekend! 
November 22, 2017
We have posted similar information before, but wanted to remind all of our clients about some basic safety tips when out shopping during the Holiday season. Stay vigilant! http://abc13.com/tips-for-shopping-how-to-stay-safe-during-holiday-season/2658999/ November 18, 2017
No matter how you prepare your turkey this Thanksgiving, we ask all of our clients to be safe. If you are frying your turkey, pay attention to these tips from the Texas Fire Marshal. And if you have leftovers, feel free to swing them by the office soon! https://www.facebook.com/TexasStateFireMarshal/videos/1849933055047466/ November 9, 2017
We don't always think of Texas as being a major risk state for wildfire, but as many across our state know, it is a very real risk. See the article for more details about wildfires in our state. http://www.insurancejournal.com/news/southcentral/2017/07/20/458232.htm November 7, 2017
This past Friday, our office had a "healthy" potluck and a Lunch and Learn. Everyone made a dish and we had quite a feast of somewhat healthy items. On the menu was: Turkey meatballs and sauce with zucchini noodles Greek salad and Tzatziki sauce with veggies Bark made from yogurt and fruit Grilled chicken with vegetables Shrimp kebobs and fruit kebobs Everything looked and tasted great. November 2, 2017
We highly recommend that our clients check out this link with the 12 Things You Need to Know about your Insurance in regards to Hurricane Harvey and other major weather events. After looking through each FAQ, please call our office to clarify information about your policy or to add on additional coverage. https://www.irmi.com/hurricane-harvey-faqs/ October 25, 2017
We celebrated Doug's birthday last Friday with BB's Cajun Cafe!! Laura made a homemade carrot cake (delicious) and the office gave Doug a Texas A & M Decanter. Thanks to everyone it was a great lunch party!! October 7, 2017
Today we are honored to join agents and clients at the Texas A & M SafeCo Tailgate!! WHOOP! Then on to the game! BTHO 'bama! October 6, 2017
If you or any friends are having issues getting your Harvey Claim taken care of, please give our office a call. We would be more than happy to help in any way we can to begin the road to recovery, even if you aren't our client. We are having great success assisting our flood insurance clients with any issues they may be having on the claim or with the process. October 2, 2017
From Ashley, in regards to the breakfast last week- Today the team had homemade breakfast tacos made by Doug and Starbucks coffee. We watched The Profit's Top 10, which was an awesome show about how to make a business profitable. I have never watched the show before today, but I will be looking forward to watching it in the future! Thank you Doug and Debra for having us in your home today and treating us to a great morning! September 29, 2017
From Hayde- Doug treated the DBJ team to breakfast tacos and Starbucks this morning at his house, everything was so yummy! Ashley, Priscilla and I also received our anniversary certificate, I honestly cannot believe how time flies. I am so happy to be a part of the DBJ family and look forward to so many year to come! 
September 22, 2017
For the next few years, we highly recommend that anyone purchasing a car uses the NICB VIN Check for a free report that will give information on insurance claims, car collisions, and flooding for a vehicle you are interested in purchasing. We want our clients to be protected ahead of time of a purchase as well as after. https://www.nicb.org/theft_and_fraud_awareness/vincheck 
September 13, 2017 One of the goals of our office was to make information accessible to our clients during the recent inclement weather. Through social media and our webpage, we tried to post what we felt would help you the most. Our webpage still has the most needed numbers on the front page in order to help aid in the recovery process. One of our clients had this to say about having that information available- "I'm so glad the Douglas B Johnson Insurance Agency had all the Claims numbers updated on their website so I could call immediately to file claims after Hurricane Harvey. They are definitely on top of things and highly recommend the services." - Neil Please continue to check here for updates. September 9, 2017
Very few renters choose to add on a flood policy to cover their contents in the event of rising water. We do have the rates for those policies and we are grateful that this client made the decision to add on the extra policy. As you can see, their entire first floor was under water and while they moved as much up to the second floor as possible, there are still remaining damages that they can file a claim for on their flood policy. September 7, 2017
This was sent to agents around the state and we were asked to share with our clients, be careful of scams and frauds as we rebuild. 
September 2, 2017 We would like you to know that our office is up and running. However, apparently the equipment that AT&T uses to run our messaging system is in a basement somewhere, perhaps downtown. We all know what has happened to basements this past week. AT&T has no idea when the messaging system will be restored. So, while we are working during business hours and actively answering the phone, we will have no phone message system available for the immediate future. Our business hours remain 8 AM to 5 PM, Monday through Friday. We are working hard to answer every call. If we do not answer during these hours, please try back in a few minutes. We are working on an alternative to the AT&T answering system. August 30, 2017
This graphic was developed by the Insurance Council of Texas. We thought it may benefit our clients during this recovery process. 
August 28, 2017
Please file your claim as soon as possible. The claims are worked on a first come, first served basis. After you file the claim your most difficult task will be finding the various contractors to make the repairs. While waiting on the adjustors please try to document what you can and line up the repairmen or contractors. Try to obtain written estimates from the contractors. Any pictures you can take will be helpful. Email them to yourself so they will be preserved. If possible have the contractor meet the adjustor when they come to inspect the damages. You should be there as well. August 28, 2017
This is from the IIAT, who regulates insurance here in Texas- Setting the Record Straight on Claims Filing Misinformation There has been and continues to be incorrect information relating to your insureds' rights and obligations under their current policies and reporting of claims. If these posts were intended to alarm and confuse the public, then those involved have achieved their goal. The Facts The normal claims process has not changed. Consumers continue to have a full-range of remedies in the event an insurer acts fraudulently or in bad faith. Lawsuit-abuse legislation (HB 1774) applies to lawsuits filed after September 1, 2017. The Texas Department of Insurance will, as always, in catastrophic events, be monitoring the activities of insurance companies to make sure that claims are being paid properly and promptly. Texas has the strongest consumer protections in the nation against insurers that unfairly deny or delay claims. Calming Your Clients Provide clear instructions on how to file their claim. Warn them of individuals claiming to help them get more from their insurance company. Encourage them to file their claim as quickly as possible. Our thoughts are with our members and the Texas communities impacted during this time of crisis. More than ever, our independent agents demonstrate their value during these times of need. August 27, 2017
To my friends and clients, our home in Oak Forest has water in three of the rooms. Not too much yet, but we have more rain coming. I have already filed a flood claim with American Bankers on their on line system. I have also called ServePro water restoration and placed an order. I recommend that you do the same if you have any water in your home. Claims are usually handled and worked in a first come first serve manner, so I always suggest calling in a claim as soon as possible. This advice would also include any auto claims that you might need to file. August 25, 2017
As we brace for the impending weather, check this website for a few last tips and additional information. We are hoping that each of our clients remain safe through the next week and beyond. https://www.ready.gov/hurricanes August 24, 2017
Here are some numbers to have on hand for the next few days. You may want to write them down in case internet access is patchy. 
August 23, 2017 Advice from your Insurance Agent- My best lesson from Hurricane Ike is that most with damage were worried and concerned about getting adjustors to their home and property as soon as possible. The real concern is getting good contractors and rebuilding materials to do the repairs. The insurance companies are usually very good at getting adjustors out in a timely fashion, but the delays experienced involved scheduling contractors. My recommendation, with tropical weather headed our way, file your claim as soon as you can if you have any damage and go find contractors and begin asking for bids on the work that needs to be done. Ike posed significant issues getting these qualified contractors out to work. August 18, 2017
In case you haven't heard, changes are coming state wide. Please read the article below to make sure you are following the new laws about using mobile devices while driving, effective September 1. http://www.chron.com/news/transportation/article/Texas-texting-ban-to-take-effect-Sept-1-11200213.php August 15, 2017
The information shown below from Insurance Journal details the considerable damage done by hailstorms over the past two years across the state of Texas, financially. These storms were devastating across the state and have taken a huge fiscal toll which impacts the rates customers pay across the board. On a positive note, this year is projected to have substantially less damage in that area, but only time will tell what happens weather wise and with rates. http://www.insurancejournal.com/news/southcentral/2017/07/05/456510.htm August 12, 2017
This article gives some great guidelines for how to ensure safety for young kids around pools. Visiting and enjoying pools is common, if not needed, in our part of the country during the summer, but pools can be dangerous if not monitored correctly. https://www.safekids.org/poolsafety August 6, 2017
One of the best things about going to Memorial Hermann for my stent procedure was getting a "free" pair of socks!! See the picture… very fancy with rubber things on the soles so you don't slip when you are walking around. I think you will agree they are very sporty and dressy. I was just disappointed they only had one color selection! 
August 3, 2017 From Doug- A funny thought about the rehab that I am taking at Memorial Hermann. There are exercise sessions called "Cardiac Rehab" that are part of recovery when you have had some sort of "heart event". I have been going to the gym regularly for over 30 years, usually 3 times per week. But apparently I was not working out as hard as I though... The rehab program has 36 sessions and after about the 4th or 5th one, the nurses really had me sweating and working hard. When I finish the program in a few weeks, I will have to change my workout program to something a bit harder! But, the upside is, I feel better than I have in years! July 28, 2017
"We are happy that Doug and Debra are so enjoying their beautiful lunchtime view in Vail, Colorado! However, we here at DBJ, are also enjoying a peaceful scenic view…aaaaahhh, makes you never want to leave…" 
July 26, 2017
From Doug- I was amazed by how many patients were in the Heart Catheterization Lab the day I had my procedure. I asked the nurse how many procedures like this they perform per day, on average, and she replied that they do about 10. This was at Memorial Hermann Northwest, so a medium sized hospital. But I was still surprised at how many were going on each day. Not every procedure ended with a stent being placed in the heart, some ended up less serious and other problems may have needed more invasive surgery. Of course, the insurance voice in me was thinking about how many folks, every day in the USA, become an impossible or hard to place risk for life insurance. Multiply one hospital times the number across the country and that is a lot of ineligible people. July 22, 2017
From Doug- Another thought that I have had with my recent heart procedure is related to the cost of health insurance and health care. The cost of this one day, out patient, heart procedure was well over $50,000 in total. Now, I have been paying on my health insurance policy for many years with very little in claims, but with those kind of numbers, at $50,000+, there has to be a large number of people paying into the system while they are healthy. I think this is one of the issues with the individual medical market in the U.S. right now. July 19, 2017
From Doug- One of the concepts that I learned early on in insurance sales was that everyone's insurability was different. Some people who are healthy are insurable up to the time they die in old age. Other times, a newborn with a congenital disease may never be able to qualify for life insurance. Most of the population is somewhere in between. We are insurable for some period of our life, but as we age it becomes more difficult as the years and ailments accumulate. The main point is, do not assume that you will always be healthy enough to qualify for life insurance. I am not. If you want life insurance for your family, take care of it sooner, not later. 
July 15, 2017
Dear Friends, On April 25th, I had two stents placed in the arteries of my heart. This procedure was decided upon after several abnormal stress tests. I have several thoughts that are relevant to the insurance business and the insurance I have sold for many year. I would like to share a few thoughts over the next week or so. The first thing I would like to share is for everyone to pay attention to, and not ignore, ongoing shortness of breath or any tightness in your chest. Unfortunately, these symptoms come on gradually and, in my case, perhaps over a period of many, many years. It becomes easy to write it off as "old age" or, applicable to our area of the state, ozone levels or allergies. Paying attention to these symptoms and speaking to a medical provider can lead to placement of stents which is a very minor procedure in comparison to having a heart attack or needing a full bypass. July 12, 2017 During the tax day floods last year, Doug was flooded in on his own street. Customers were calling, asking about the rising water around them, wondering if their home and contents would be covered under their policies. Because of the rising water, Doug was unable to check for these customers due to inability to access the database at home. While it was stressful for the clients to wait it out, by 3 pm, Doug was able to confirm that all affected customers had Flood Insurance Policies. Interestingly enough, all of these clients were in "preferred zones" and "shouldn't have flooded". Please call our office to find out what your policy covers and to add on a Flood Policy if you are interested. As we have seen over the past year, "this house has never flooded" doesn't apply anymore. 
July 7, 2017
From Laura- Last week at DBJ, I celebrated my 3rd Year Anniversary plus Hayde's birthday. Doug bought us lunch from Demeris BBQ and it was great! We had yummy ice cream cake from Baskin Robbins for dessert as well. Thanks Doug for the last 3 years, plus the 4 years back in the old days! June 29, 2017
While most schools are out for summer, some campuses in the area have Summer school or Summer camps occurring throughout the next two months. This article suggests that you know about the campuses around you to know whether the school zone is enforceable or not. http://www.chron.com/neighborhood/katy-news/article/Police-warn-School-zone-speed-limits-in-effect-1492257.php June 8, 2017
When will people learn that insurance fraud is a big deal? This woman and her accomplices thought they could get away with a claim against a U-Haul company. http://www.insurancejournal.com/news/southcentral/2017/05/08/450328.htm June 3, 2017
Hurricane season is officially here as of last week, check out this article from weather.com for a few tips and tidbits. https://weather.com/storms/hurricane/news/hurricane-season-2017-season-begins-what-to-know 
May 29, 2017
In honor of all who have lost their lives serving our country, to them, their family, and loved ones, both clients and from the general population, we give our respects. 
May 28, 2017
In September 2016, SafeCo Insurance introduced the newest insurance technology using the Amazon Alexa. This week, we were lucky enough to win the Presidents Award with SafeCo and enjoyed a wonderful trip to Palm Beach, Florida. One of our gifts from SafeCo was our own Amazon Alexa! Thank you Liberty Mutual/SafeCo Insurance and, of course, our clients! |
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May 26, 2017
Monday was Laura's birthday! Doug was out of town, but that did not stop him from buying a great birthday lunch. We had fried chicken, Laura's favorite, and followed up with an ice cream cake from all of her co-workers. It was another great day and birthday at DBJ!
Monday was Laura's birthday! Doug was out of town, but that did not stop him from buying a great birthday lunch. We had fried chicken, Laura's favorite, and followed up with an ice cream cake from all of her co-workers. It was another great day and birthday at DBJ!
May 19, 2017
We are thankful for our appointment through Travelers, not only to get our clients the best rates, but also because of their commitment to serving you better. Using drones and other alternate ways to assess property value and damage will help everyone process claims better and faster!
http://www.insurancejournal.com/news/national/2017/05/11/450406.htm
We are thankful for our appointment through Travelers, not only to get our clients the best rates, but also because of their commitment to serving you better. Using drones and other alternate ways to assess property value and damage will help everyone process claims better and faster!
http://www.insurancejournal.com/news/national/2017/05/11/450406.htm
May 14, 2017
Happy Mother's Day to all of our clients who are mothers and who step in as mothers for people in their life. We wish you the best today and everyday!
Happy Mother's Day to all of our clients who are mothers and who step in as mothers for people in their life. We wish you the best today and everyday!
May 10, 2017
This is an interesting article that speaks on the complex insurance system and how that could change, in the future, with more self driving cars on the road. Right now it is unclear on if automotive companies are at fault or if the owner of the car takes on responsibility or if there is some sort of in between coverage. For now, everyone carries insurance on their own vehicles!
http://www.npr.org/sections/alltechconsidered/2017/04/03/522222975/self-driving-cars-raise-questions-about-who-carries-insurance
This is an interesting article that speaks on the complex insurance system and how that could change, in the future, with more self driving cars on the road. Right now it is unclear on if automotive companies are at fault or if the owner of the car takes on responsibility or if there is some sort of in between coverage. For now, everyone carries insurance on their own vehicles!
http://www.npr.org/sections/alltechconsidered/2017/04/03/522222975/self-driving-cars-raise-questions-about-who-carries-insurance
April 27, 2017
Speaking of Spring Preparedness, Doug wants to remind everyone to be careful where you spread mulch, build up flower beds, or do landscape in general, If it is too close to the fence line, it can create a dam or natural barrier causing flooding to occur in homes. Leave space for water to naturally drain out of your yard. Additionally, building up too much mulch or soil close to your home can lead to bug and termite issues.
Speaking of Spring Preparedness, Doug wants to remind everyone to be careful where you spread mulch, build up flower beds, or do landscape in general, If it is too close to the fence line, it can create a dam or natural barrier causing flooding to occur in homes. Leave space for water to naturally drain out of your yard. Additionally, building up too much mulch or soil close to your home can lead to bug and termite issues.
April 21, 2017
This past Friday our office celebrated two birthdays. Priscilla's and Debra Johnson's birthdays are both on April 7th. Debra was out of town on that day so we had the luncheon on Friday. Joining in with us was Charlotte Green, she is a Keller Williams realtor I have known and worked with for many years. We were glad she could come to our office and meet all of the staff.
This past Friday our office celebrated two birthdays. Priscilla's and Debra Johnson's birthdays are both on April 7th. Debra was out of town on that day so we had the luncheon on Friday. Joining in with us was Charlotte Green, she is a Keller Williams realtor I have known and worked with for many years. We were glad she could come to our office and meet all of the staff.
April 16, 2017
It is easy to think about spreading mulch and planting new flowers in the spring, but this article from Travelers suggests a handful of other spring tasks you may want to consider on your weekend to-do list.
https://www.travelers.com/resources/home/maintenance/spring-home-maintenance-tips.aspx
It is easy to think about spreading mulch and planting new flowers in the spring, but this article from Travelers suggests a handful of other spring tasks you may want to consider on your weekend to-do list.
https://www.travelers.com/resources/home/maintenance/spring-home-maintenance-tips.aspx
April 13, 2017
Last Friday we celebrated Priscilla's birthday! We enjoyed celebrating her and appreciate the hard work she does serving our clients!
Last Friday we celebrated Priscilla's birthday! We enjoyed celebrating her and appreciate the hard work she does serving our clients!
April 9, 2017
To further the discussion on borrowing vehicles, our agency urges our customers to err on the side of caution, if not extreme caution. There are really complicated rules in place for most policies. For example, if you loan your car to a friend, and that friend gets in an accident that is their fault, your insurance is responsible for the damage to the vehicle hit, and the friend's insurance is responsible for repairs to your vehicle. Typically. But with larger accidents it gets very complicated on which policy covers which portion of any damage done, especially when injuries are incurred.
Like always, call our office if you have questions.
To further the discussion on borrowing vehicles, our agency urges our customers to err on the side of caution, if not extreme caution. There are really complicated rules in place for most policies. For example, if you loan your car to a friend, and that friend gets in an accident that is their fault, your insurance is responsible for the damage to the vehicle hit, and the friend's insurance is responsible for repairs to your vehicle. Typically. But with larger accidents it gets very complicated on which policy covers which portion of any damage done, especially when injuries are incurred.
Like always, call our office if you have questions.
April 8, 2017
Questions about letting someone borrow your car come up in our office from time to time. This Consumers Report article gives a good preliminary summary of how insurance follows the car, but that doesn't mean you are risk free by lending out your car. As always, check with our office for questions about your policy and exactly what is covered. And we will be posting more about this issue soon.
http://www.consumerreports.org/cro/news/2014/09/when-you-lend-your-car-think-about-the-insurance/index.htm
Questions about letting someone borrow your car come up in our office from time to time. This Consumers Report article gives a good preliminary summary of how insurance follows the car, but that doesn't mean you are risk free by lending out your car. As always, check with our office for questions about your policy and exactly what is covered. And we will be posting more about this issue soon.
http://www.consumerreports.org/cro/news/2014/09/when-you-lend-your-car-think-about-the-insurance/index.htm
March 30, 2017
This is a great link that gives information about additional insurance you may need to purchase for items in your home. Some items, like jewelry, china, certain electronics, and memorabilia, may be better covered under a separate policy. Feel free to look through the information from Travelers and then call us if you have questions.
https://www.travelers.com/personal-insurance/valuable-items-coverage/valuables-insurance-coverage.aspx
This is a great link that gives information about additional insurance you may need to purchase for items in your home. Some items, like jewelry, china, certain electronics, and memorabilia, may be better covered under a separate policy. Feel free to look through the information from Travelers and then call us if you have questions.
https://www.travelers.com/personal-insurance/valuable-items-coverage/valuables-insurance-coverage.aspx
March 25, 2017
Interesting side note, while looking for these articles, the top suggested search on Google was "How deep of flood water can I really drive my car through?" If you are having to resort to Google, you probably should turn around or stay home! Here is another article to reinforce what has already been said!
https://weather.com/safety/floods/news/flash-flooding-vehicle-danger-20140717
Interesting side note, while looking for these articles, the top suggested search on Google was "How deep of flood water can I really drive my car through?" If you are having to resort to Google, you probably should turn around or stay home! Here is another article to reinforce what has already been said!
https://weather.com/safety/floods/news/flash-flooding-vehicle-danger-20140717
March 24, 2017
Here are some tips from a Canadian Weather Network about driving through flood water. In summary, Doug and the article agree that the best answer is not to do it at all.
https://www.theweathernetwork.com/news/articles/think-you-can-make-it-through-flood-waters-think-again/9055
Here are some tips from a Canadian Weather Network about driving through flood water. In summary, Doug and the article agree that the best answer is not to do it at all.
https://www.theweathernetwork.com/news/articles/think-you-can-make-it-through-flood-waters-think-again/9055
March 18, 2017
From long time customer (and Doug's daughter) Ashley -
In 2003, I was visiting New York City with my future in-laws. We happened to be there for a massive blackout that shut down most of the Northeast. I often read articles about having a plan in place in the event of a large scale emergency, but this experience really hi-lighted how important that is. While we expected to still be able to use our cell phones as long as we had battery, that was not the case. Many grids were facing too large of a load from the entire area trying to reach others. When we could get through, calls were quickly dropped. We were able to rendezvous back at the hotel, but only after many hours of checking the last tourist site we had all been at and walking many blocks back to where we were staying.
The point being, while in many cases we will have advance notice of storms and other events that may impact our lives, in other cases we will not, and having a contingency plan in place for your family is important. Make sure everyone who lives in your household knows the plan as well as an outside person or two, including someone who lives in a different part of the country. It may also be helpful to go over this plan and modify it from time to time as the needs of your family change.
From long time customer (and Doug's daughter) Ashley -
In 2003, I was visiting New York City with my future in-laws. We happened to be there for a massive blackout that shut down most of the Northeast. I often read articles about having a plan in place in the event of a large scale emergency, but this experience really hi-lighted how important that is. While we expected to still be able to use our cell phones as long as we had battery, that was not the case. Many grids were facing too large of a load from the entire area trying to reach others. When we could get through, calls were quickly dropped. We were able to rendezvous back at the hotel, but only after many hours of checking the last tourist site we had all been at and walking many blocks back to where we were staying.
The point being, while in many cases we will have advance notice of storms and other events that may impact our lives, in other cases we will not, and having a contingency plan in place for your family is important. Make sure everyone who lives in your household knows the plan as well as an outside person or two, including someone who lives in a different part of the country. It may also be helpful to go over this plan and modify it from time to time as the needs of your family change.
March 12, 2017
From Doug- We recently received a "claim" notice for over $800.00 from AT&T for cutting the line in our back yard. The notice said to turn this claim in to your homeowners insurance company and they will take care of it. However, the claim also stated that the cut line was due to the new fencing we had put around the yard. We haven't had a new fence in about 20 years. I did replaced the pickets about 10 years ago, but no new fence. Now they are building a new home behind us with work being done in the easement area and I am very sure if there was a cut line it would have been done there.
My wife and I had to write a detailed letter explaining all of this to AT&T. We also included on the letter, Jessica Ferrar, our Texas state representative. Her office actually had a contact at AT&T, so I guess this happens all of the time. After a few days we get a call from this contact that the claim will be dropped. That turned out well for us, but I wonder how many people just turn the claim into the insurance company.
The insurance companies will not spend much time investigating small claims like this so you end up having a false claim on your record. It seems a lot like the "Free Window Repair" scam at the carwash or kiosk.
From Doug- We recently received a "claim" notice for over $800.00 from AT&T for cutting the line in our back yard. The notice said to turn this claim in to your homeowners insurance company and they will take care of it. However, the claim also stated that the cut line was due to the new fencing we had put around the yard. We haven't had a new fence in about 20 years. I did replaced the pickets about 10 years ago, but no new fence. Now they are building a new home behind us with work being done in the easement area and I am very sure if there was a cut line it would have been done there.
My wife and I had to write a detailed letter explaining all of this to AT&T. We also included on the letter, Jessica Ferrar, our Texas state representative. Her office actually had a contact at AT&T, so I guess this happens all of the time. After a few days we get a call from this contact that the claim will be dropped. That turned out well for us, but I wonder how many people just turn the claim into the insurance company.
The insurance companies will not spend much time investigating small claims like this so you end up having a false claim on your record. It seems a lot like the "Free Window Repair" scam at the carwash or kiosk.
March 8, 2017
In February, our agency recently celebrated it's 9th Anniversary. Over the past nine years we have grown our business well. We have six staff memebers, including myself. We have very good company appointments including Travelers, Safeco, Progressive, The Hartford, ASI lloyds, UPC insurance, and many other options depending on our clients needs. We look forward to having a great year ahead as the Houston economy continues to recover. And to all of our clients, a BIG THANK YOU!!!
In February, our agency recently celebrated it's 9th Anniversary. Over the past nine years we have grown our business well. We have six staff memebers, including myself. We have very good company appointments including Travelers, Safeco, Progressive, The Hartford, ASI lloyds, UPC insurance, and many other options depending on our clients needs. We look forward to having a great year ahead as the Houston economy continues to recover. And to all of our clients, a BIG THANK YOU!!!
March 4, 2017
After several administrative hurdles by the Texas Department of Insurance, Priscilla Gutierrez received her Property and Casualty Insurance license this week. She was very happy to have the studying, testing, and application process behind her. We are very happy to have her as part of our team. Congratulations Priscilla!!!!!!!!!
After several administrative hurdles by the Texas Department of Insurance, Priscilla Gutierrez received her Property and Casualty Insurance license this week. She was very happy to have the studying, testing, and application process behind her. We are very happy to have her as part of our team. Congratulations Priscilla!!!!!!!!!
March 3, 2017
Go Texan Day at the office!
Go Texan Day at the office!
March 1, 2017
Honesty is always the best policy, but especially when there are legal documents that can prove dishonesty. That being said, we ask our clients to take still photos and document their valuables in case there is a home fire like the one discussed in the article below.
http://www.insurancejournal.com/news/southcentral/2017/02/17/442316.htm
Honesty is always the best policy, but especially when there are legal documents that can prove dishonesty. That being said, we ask our clients to take still photos and document their valuables in case there is a home fire like the one discussed in the article below.
http://www.insurancejournal.com/news/southcentral/2017/02/17/442316.htm
February 24, 2017
While some of these statistics are frightening, how complacent we are becoming while driving, it is interesting that economics has an influence on how many more cars are on the road. Plain and simple, cheaper gas equals more driving which equals a greater likelihood for an accident. We encourage our clients to stay vigilant while driving!
http://www.insurancejournal.com/news/national/2017/02/17/442272.htm
While some of these statistics are frightening, how complacent we are becoming while driving, it is interesting that economics has an influence on how many more cars are on the road. Plain and simple, cheaper gas equals more driving which equals a greater likelihood for an accident. We encourage our clients to stay vigilant while driving!
http://www.insurancejournal.com/news/national/2017/02/17/442272.htm
February 19, 2017
Last Saturday, Doug, Hayde, and Ashley were working for a few hours. Laura, who was NOT working, likes to open the mail. But, so does Doug when there are checks in the mail! Anyway, as you can see, Doug got to the mail first on Saturday!!!
Last Saturday, Doug, Hayde, and Ashley were working for a few hours. Laura, who was NOT working, likes to open the mail. But, so does Doug when there are checks in the mail! Anyway, as you can see, Doug got to the mail first on Saturday!!!
February 12, 2017
Doug attended the Independent Insurance Agents of Texas Joe Vincent Management Conference recently. On Tuesday, they sponsored a Legislative Day for the agents to call on their respective representatives. Doug was able to visit with State Senator John Whitmires office and state representative Jessica Farrars office. He also visited 4 other elected officials office while at the capital building. As you can see from the pictures, it was a beautiful day in Texas.
Doug attended the Independent Insurance Agents of Texas Joe Vincent Management Conference recently. On Tuesday, they sponsored a Legislative Day for the agents to call on their respective representatives. Doug was able to visit with State Senator John Whitmires office and state representative Jessica Farrars office. He also visited 4 other elected officials office while at the capital building. As you can see from the pictures, it was a beautiful day in Texas.
February 11, 2017
Here are a few pictures of what one of our crazy clients does in his free time!!!! John B has been a long time client and we sure appreciate him.
Here are a few pictures of what one of our crazy clients does in his free time!!!! John B has been a long time client and we sure appreciate him.
February 5, 2017
We have a brand new member of the team, Liz Gonzalez. She is licensed by the Texas Department of Insurance and we are excited to have her on the team!
We have a brand new member of the team, Liz Gonzalez. She is licensed by the Texas Department of Insurance and we are excited to have her on the team!
February 2, 2017
Doug also attended the Big "I" Legislative day on Tuesday, January 31st. This was a great oppurtunity to meet with legislators face-to-face and let them know where you stand. He will be updating the office and his clients about his meetings soon.
Doug also attended the Big "I" Legislative day on Tuesday, January 31st. This was a great oppurtunity to meet with legislators face-to-face and let them know where you stand. He will be updating the office and his clients about his meetings soon.
January 28, 2017
Doug will be attending the 54th annual Joe Vincent Management Seminar in Austin this weekend. Doug has attended the seminar for 10 years and gains insight every year on how to best run the agency to serve each and every client.
Doug will be attending the 54th annual Joe Vincent Management Seminar in Austin this weekend. Doug has attended the seminar for 10 years and gains insight every year on how to best run the agency to serve each and every client.
January 24, 2017
The office had cupcakes delivered by Laura's mom to celebrate Laura's promotion! What a fantastic treat to celebrate her hard work serving our staff and clients every day!
The office had cupcakes delivered by Laura's mom to celebrate Laura's promotion! What a fantastic treat to celebrate her hard work serving our staff and clients every day!
January 22, 2017
This is an interesting aspect to the increasing connectivity of our cars and the systems inside of them. Laptops were used to reprogram cars and steal them, creating a newer aspect for insurance companies to look at. See the article below for more details.
http://www.insurancejournal.com/…/sou…/2016/08/08/422624.htm
This is an interesting aspect to the increasing connectivity of our cars and the systems inside of them. Laptops were used to reprogram cars and steal them, creating a newer aspect for insurance companies to look at. See the article below for more details.
http://www.insurancejournal.com/…/sou…/2016/08/08/422624.htm
January 20, 2017
Consumer confidence, as we have posted before, is mixed in autopilot functions for vehicles. In the situation expanded on below, there are some interesting components to this cited crash on autopilot and how insurance may handle it.
http://www.insurancejournal.com/…/sou…/2016/08/19/423918.htm
Consumer confidence, as we have posted before, is mixed in autopilot functions for vehicles. In the situation expanded on below, there are some interesting components to this cited crash on autopilot and how insurance may handle it.
http://www.insurancejournal.com/…/sou…/2016/08/19/423918.htm
January 16, 2017
Continuing the discussion on hail storms in Texas, while less money will be poured in to cover automobiles, it is still a substantial amount. To give a quick summary of the graphics and research from the article linked, while residential losses are second only to Hurricane Ike, automobile losses top Ike significantly, with those losses topping $2 billion.
http://www.insurancejournal.com/news/southcentral/2016/12/14/435200.htm
Continuing the discussion on hail storms in Texas, while less money will be poured in to cover automobiles, it is still a substantial amount. To give a quick summary of the graphics and research from the article linked, while residential losses are second only to Hurricane Ike, automobile losses top Ike significantly, with those losses topping $2 billion.
http://www.insurancejournal.com/news/southcentral/2016/12/14/435200.htm
January 14, 2017
Just how costly were hail storms in Texas this year? The article below gives insight into the astronomical costs from the storms. For residential properties alone, companies are looking at an underwriting loss this year. Over $4 Billion will be paid out to cover these losses.
http://www.insurancejournal.com/news/southcentral/2016/12/14/435200.htm
Just how costly were hail storms in Texas this year? The article below gives insight into the astronomical costs from the storms. For residential properties alone, companies are looking at an underwriting loss this year. Over $4 Billion will be paid out to cover these losses.
http://www.insurancejournal.com/news/southcentral/2016/12/14/435200.htm
January 10, 2017
Can you make it through this list of lawsuits without shaking your head? While we may be able to see some reasons for companies being sued in certain situations, frivolous lawsuits increase companies' costs and that trickles down to other costs as well. Further, lawsuits like these may be covered by insurance, but guess what increases when insurers have to payout?
http://www.insurancejournal.com/news/national/2016/12/30/436914.htm
Can you make it through this list of lawsuits without shaking your head? While we may be able to see some reasons for companies being sued in certain situations, frivolous lawsuits increase companies' costs and that trickles down to other costs as well. Further, lawsuits like these may be covered by insurance, but guess what increases when insurers have to payout?
http://www.insurancejournal.com/news/national/2016/12/30/436914.htm
January 6, 2017
Today, we promoted Laura Ledet where she will now be serving as our Team Leader. We are excited for her to grow even more with our team. Laura worked for Doug beginning in 1998 until 2001. We could not have been happier when she returned 3 years ago and we couldn't be happier with her promotion today!
December 31, 2016
We want all of our clients to be safe and make good decisions tonight when traveling on the roads. Encourage your friends and loved ones to do the same and enjoy ringing in the New Year!
We want all of our clients to be safe and make good decisions tonight when traveling on the roads. Encourage your friends and loved ones to do the same and enjoy ringing in the New Year!
December 30, 2016
We had a great time at our annual Christmas party. It's great to see everyone unwind and relax with some great food prepared by Chef Doug Johnson. And we were all blessed with some lovely gifts.
We had a great time at our annual Christmas party. It's great to see everyone unwind and relax with some great food prepared by Chef Doug Johnson. And we were all blessed with some lovely gifts.
December 26, 2016
From Priscilla-
I have to say the best thing about the Christmas party was being surrounded by so many good people/coworkers. But we can't forget to mention that the delicious homemade food cooked by DBJ himself. Everything came out perfect, but my favorite was the Bruschetta.
By far the best Christmas company party I have ever attended.
From Priscilla-
I have to say the best thing about the Christmas party was being surrounded by so many good people/coworkers. But we can't forget to mention that the delicious homemade food cooked by DBJ himself. Everything came out perfect, but my favorite was the Bruschetta.
By far the best Christmas company party I have ever attended.
We recently had a year end celebration for our staff. It was held at my house and I cooked an Italian feast for them. There will be several pictures of the food posted so you can see what we had to eat. They also received Christmas gifts, gift cards and $1 bills. The $1 bills were for answering trivia questions about two movies, It’s a Wonderful Life with Jimmy Stewart and A Christmas Carol with George C Scott.
I try to take care of the staff because they take care of you our clients and prospects. I hope everyone has a great Holiday Season and a Happy New Year.
I try to take care of the staff because they take care of you our clients and prospects. I hope everyone has a great Holiday Season and a Happy New Year.
December 23, 2016
Either break down your boxes or take them to a local school that has a recycle bin for public use, as this article warns about burglars scoping out houses after Christmas day!
http://www.usatoday.com/story/news/nation/2013/12/27/holiday-trash-tipoffs/4221793/
Either break down your boxes or take them to a local school that has a recycle bin for public use, as this article warns about burglars scoping out houses after Christmas day!
http://www.usatoday.com/story/news/nation/2013/12/27/holiday-trash-tipoffs/4221793/
December 16, 2016
We bought a bunch of gift cards for our staff party next Tuesday afternoon, but it looks like it will be a bad party as the Grinch has taken them!!!!
We bought a bunch of gift cards for our staff party next Tuesday afternoon, but it looks like it will be a bad party as the Grinch has taken them!!!!
December 15, 2016
While we want to encourage all of our clients to be active and healthy, especially by walking, we also encourage everyone to be safe! The article below details the rise in pedestrian deaths in the Houston area due to many not obeying traffic rules or not seeking out a safe crosswalk to use for intersections. Both walkers and vehicle drivers must pay attention, especially at busier roads. And, as a reminder, it is never a good idea to cross a freeway on foot, especially in Houston!
http://www.insurancejournal.com/news/southcentral/2016/11/07/431733.htm
While we want to encourage all of our clients to be active and healthy, especially by walking, we also encourage everyone to be safe! The article below details the rise in pedestrian deaths in the Houston area due to many not obeying traffic rules or not seeking out a safe crosswalk to use for intersections. Both walkers and vehicle drivers must pay attention, especially at busier roads. And, as a reminder, it is never a good idea to cross a freeway on foot, especially in Houston!
http://www.insurancejournal.com/news/southcentral/2016/11/07/431733.htm
December 11, 2016
Another one of the theorized benefits of self driving vehicles would be safety for motorcyclists according to the article linked below. Drivers often have a hard time seeing a motorcycle or, even when seen, judging the speed or distance needed to cover.
http://www.insurancejournal.com/news/national/2016/10/11/428971.htm
Another one of the theorized benefits of self driving vehicles would be safety for motorcyclists according to the article linked below. Drivers often have a hard time seeing a motorcycle or, even when seen, judging the speed or distance needed to cover.
http://www.insurancejournal.com/news/national/2016/10/11/428971.htm
December 8, 2016
Teen drivers report knowing that using a cell phone while driving is dangerous, but weigh the need to stay in constant contact with others as being more important. The article below goes further into this and how cell phone distracted drivers are more likely to also be distracted by other things as well.
http://www.insurancejournal.com/news/national/2016/10/18/429588.htm
Teen drivers report knowing that using a cell phone while driving is dangerous, but weigh the need to stay in constant contact with others as being more important. The article below goes further into this and how cell phone distracted drivers are more likely to also be distracted by other things as well.
http://www.insurancejournal.com/news/national/2016/10/18/429588.htm
December 4, 2016
Many of our clients may have noticed a gradual climb in policy costs, especially for their automobile insurance in recent years. A recent report from Travelers explained the reasons for this climb are fairly clear and straightforward- more cars on the road due to a decrease in gas prices and more people buying cars has a large impact, as does rising medical costs due to issues on the medical side. Additionally, drivers are doing so with more distractions than ever before. Our staff has a commitment to our clients and we work hard to make sure you have the best coverage for a comparable cost. We review every policy on a regular basis and look for ways you can save. If you have questions, please give us a call.
Many of our clients may have noticed a gradual climb in policy costs, especially for their automobile insurance in recent years. A recent report from Travelers explained the reasons for this climb are fairly clear and straightforward- more cars on the road due to a decrease in gas prices and more people buying cars has a large impact, as does rising medical costs due to issues on the medical side. Additionally, drivers are doing so with more distractions than ever before. Our staff has a commitment to our clients and we work hard to make sure you have the best coverage for a comparable cost. We review every policy on a regular basis and look for ways you can save. If you have questions, please give us a call.
December 1, 2016
Even small businesses are a threat in the cyber world according to the article linked below. We encourage all of our business insurance clients and our regular clients who have businesses to think seriously about protecting themselves so that business can continue as usual.
http://www.insurancejournal.com/news/national/2016/10/19/429256.htm
Even small businesses are a threat in the cyber world according to the article linked below. We encourage all of our business insurance clients and our regular clients who have businesses to think seriously about protecting themselves so that business can continue as usual.
http://www.insurancejournal.com/news/national/2016/10/19/429256.htm
November 27, 2016
We found this article about safety around the holidays and thought it would be useful for our clients to think about as they shop, travel, and enjoy the holiday season. Feel free to share with others, credit given to the dc. gov website.
http://mpdc.dc.gov/page/winter-holiday-safety-tips
We found this article about safety around the holidays and thought it would be useful for our clients to think about as they shop, travel, and enjoy the holiday season. Feel free to share with others, credit given to the dc. gov website.
http://mpdc.dc.gov/page/winter-holiday-safety-tips
November 24, 2016
We hope all of our clients had a wonderful and safe Thanksgiving. We are grateful for all of you! Ashley wanted to share her description of the office potluck!
We had a great pre-Thanksgiving homemade feast with the DBJ family at the office. Doug made the main dish which was a pot-roast with rice-yummy! Laura made a King Ranch dish and a delicious pie (which I personally could not get enough of). Priscilla made charros beans that were really tasty. Hayde brought an awesome homemade flan which made the dessert even sweeter. I brought my home made salsa, guacamole, and store bought chips. After eating all the food I could not even think about food any more. That all changed for Thanksgiving today of course! I enjoyed this day a lot! Hopefully next time Debra can join us and we get a taste of her homemade food.
November 21, 2016
From Laura-
I love Family Reunions because you get to eat all different kinds of food and desserts! Friday at DBJ Insurance, we had a potluck for the staff to bring one of their specialty dishes. It was GREAT! From chips with homemade salsa, salads, pot roast, and rice and beans we thought the meal was over until we had to try the homemade German chocolate pie and flan!
We stuffed ourselves full, but still managed to fight off napping to service our "Great Clients".
We hope all of our clients had a wonderful and safe Thanksgiving. We are grateful for all of you! Ashley wanted to share her description of the office potluck!
We had a great pre-Thanksgiving homemade feast with the DBJ family at the office. Doug made the main dish which was a pot-roast with rice-yummy! Laura made a King Ranch dish and a delicious pie (which I personally could not get enough of). Priscilla made charros beans that were really tasty. Hayde brought an awesome homemade flan which made the dessert even sweeter. I brought my home made salsa, guacamole, and store bought chips. After eating all the food I could not even think about food any more. That all changed for Thanksgiving today of course! I enjoyed this day a lot! Hopefully next time Debra can join us and we get a taste of her homemade food.
November 21, 2016
From Laura-
I love Family Reunions because you get to eat all different kinds of food and desserts! Friday at DBJ Insurance, we had a potluck for the staff to bring one of their specialty dishes. It was GREAT! From chips with homemade salsa, salads, pot roast, and rice and beans we thought the meal was over until we had to try the homemade German chocolate pie and flan!
We stuffed ourselves full, but still managed to fight off napping to service our "Great Clients".
November 20, 2016
We know many of our clients will be traveling this week and for the upcoming holidays. Check out the travel specific tips below before you hit the road or head to the airport. Also, remember to secure your home, have a neighbor check on the house and mail while you are gone, and never advertise that you are out of town on social media. These steps will help make your holidays all the more enjoyable!
http://www.redcross.org/news/article/local/pennsylvania/eastern-pennsylvania/Safe-Travel-Tips-for-Thanksgiving
We know many of our clients will be traveling this week and for the upcoming holidays. Check out the travel specific tips below before you hit the road or head to the airport. Also, remember to secure your home, have a neighbor check on the house and mail while you are gone, and never advertise that you are out of town on social media. These steps will help make your holidays all the more enjoyable!
http://www.redcross.org/news/article/local/pennsylvania/eastern-pennsylvania/Safe-Travel-Tips-for-Thanksgiving
November 16, 2016
Daylight Savings Time was a few days ago and we want to remind all of our clients to change their smoke and carbon monoxide detector batteries. Experts suggest you change them at these pre-set times to make sure the batteries are always fresh and can protect you and your family. Additionally, you should test the batteries each month. Pick a specific day and stick to it!
Daylight Savings Time was a few days ago and we want to remind all of our clients to change their smoke and carbon monoxide detector batteries. Experts suggest you change them at these pre-set times to make sure the batteries are always fresh and can protect you and your family. Additionally, you should test the batteries each month. Pick a specific day and stick to it!
November 11, 2016
On Wednesday November 9th, Laura attended her 4th class leading to the Texas Independent Insurance Advisor (TIIA) sponsered by the Independent Insurance Agents of Texas (IIAT). The class was Commercial Property Exposures Part 2. She has two more classes to go plus an Errors and Omissions class to complete, in order to earn the TIIA designation. Her designation will be in the Commercial Lines area.
On Wednesday November 9th, Laura attended her 4th class leading to the Texas Independent Insurance Advisor (TIIA) sponsered by the Independent Insurance Agents of Texas (IIAT). The class was Commercial Property Exposures Part 2. She has two more classes to go plus an Errors and Omissions class to complete, in order to earn the TIIA designation. Her designation will be in the Commercial Lines area.
November 9, 2016
On Tuesday, November 8th, Doug attended an all day training class sponsored by the Independent Insurance Agents of Texas. It was 7.5 hours of study on the Commercial Property Policy. It is one of 7 day long classes that lead to a designation called Texas Independent Insurance Advisor (TIIA). Doug only needs 2 more sessions and he will earn his designation. Alicia has already earned her TIIA designation in the Personal lines area.
On Tuesday, November 8th, Doug attended an all day training class sponsored by the Independent Insurance Agents of Texas. It was 7.5 hours of study on the Commercial Property Policy. It is one of 7 day long classes that lead to a designation called Texas Independent Insurance Advisor (TIIA). Doug only needs 2 more sessions and he will earn his designation. Alicia has already earned her TIIA designation in the Personal lines area.
November 1, 2016
While we hope that none of our clients have to worry about this, the article linked below gives a summary of liability for injury in trick or treating.
http://www.insurancejournal.com/news/national/2014/10/31/345590.htm
While we hope that none of our clients have to worry about this, the article linked below gives a summary of liability for injury in trick or treating.
http://www.insurancejournal.com/news/national/2014/10/31/345590.htm
October 27, 2016
While we may be several degrees away from cool enough weather to break out the space heaters, it's never too early to remind yourself of safety when using one. In addition to the great reminders in the video below, consider investing in one that has an automatic shut off feature and a built in safety that turns the heater off if it is moved. These tips will help keep you warm, but safe, this winter!
https://www.youtube.com/watch?v=n71gBxat2iw
While we may be several degrees away from cool enough weather to break out the space heaters, it's never too early to remind yourself of safety when using one. In addition to the great reminders in the video below, consider investing in one that has an automatic shut off feature and a built in safety that turns the heater off if it is moved. These tips will help keep you warm, but safe, this winter!
https://www.youtube.com/watch?v=n71gBxat2iw
October 23, 2016
Friday the staff celebrated Doug's birthday 'week' in the office, while he's out celebrating in Cancun! Happy birthday Doug, from all of us here at DBJ Insurance! We are celebrating with 80's fashion, 80's music on Pandora, and Vietnamese from Pho Long! Hope you have all had a great weekend!
Friday the staff celebrated Doug's birthday 'week' in the office, while he's out celebrating in Cancun! Happy birthday Doug, from all of us here at DBJ Insurance! We are celebrating with 80's fashion, 80's music on Pandora, and Vietnamese from Pho Long! Hope you have all had a great weekend!
October 21, 2016
We want our clients to avoid ruin to their homes and the headache that comes with it, there are some easy tips mentioned in the video linked here that will help you avoid getting water damage from your washer machine.
https://www.youtube.com/watch?v=Jnn71bWC5Gw
We want our clients to avoid ruin to their homes and the headache that comes with it, there are some easy tips mentioned in the video linked here that will help you avoid getting water damage from your washer machine.
https://www.youtube.com/watch?v=Jnn71bWC5Gw
October 20, 2016
Happy Birthday to Doug from his office staff! We hope you have a great year ahead!
Happy Birthday to Doug from his office staff! We hope you have a great year ahead!
October 16, 2016
From Doug-
Last week, I attended an annual presentation from Blue Cross Blue Shield to introduce the insurance programs for the coming year. I came away with several thoughts I want to share. The first, and most important, is to make sure your doctor or provider is in the network for YOUR medical insurance policy. A quick check on the Blue Cross website shows they have at least 20 different networks between the individual and group insurance areas.
As an agent we hear all too often, "I called my Doctor's office and they said they took Blue Cross." However, they don't check into which network and the patient has to pay for the entire procedure. The safest way to check doctors and providers is to go on your insurers' website and check on their Doctor / Provider finder tool. If you get familiar with these tools it is very easy. Then, a visit to the doctors office will be an assured coverage with your plan.
Call us if you need help or have questions working through this process!
From Doug-
Last week, I attended an annual presentation from Blue Cross Blue Shield to introduce the insurance programs for the coming year. I came away with several thoughts I want to share. The first, and most important, is to make sure your doctor or provider is in the network for YOUR medical insurance policy. A quick check on the Blue Cross website shows they have at least 20 different networks between the individual and group insurance areas.
As an agent we hear all too often, "I called my Doctor's office and they said they took Blue Cross." However, they don't check into which network and the patient has to pay for the entire procedure. The safest way to check doctors and providers is to go on your insurers' website and check on their Doctor / Provider finder tool. If you get familiar with these tools it is very easy. Then, a visit to the doctors office will be an assured coverage with your plan.
Call us if you need help or have questions working through this process!
October 11, 2016
Does your family have an evacuation plan? Check out the video below to see the main tips.
https://www.youtube.com/watch?v=dMO4oejW8C8
Does your family have an evacuation plan? Check out the video below to see the main tips.
https://www.youtube.com/watch?v=dMO4oejW8C8
October 7, 2016
Curious what to store when wind or hail is coming your way? This short video will walk you through it.
https://www.youtube.com/watch?v=GZrSnVgDuPU
Curious what to store when wind or hail is coming your way? This short video will walk you through it.
https://www.youtube.com/watch?v=GZrSnVgDuPU
October 1, 2016
This is an interesting aspect to the increasing connectivity of our cars and the systems inside of them. Laptops were used to reprogram cars and steal them, creating a newer aspect for insurance companies to look at. See the article below for more details.
http://www.insurancejournal.com/news/southcentral/2016/08/08/422624.htm
This is an interesting aspect to the increasing connectivity of our cars and the systems inside of them. Laptops were used to reprogram cars and steal them, creating a newer aspect for insurance companies to look at. See the article below for more details.
http://www.insurancejournal.com/news/southcentral/2016/08/08/422624.htm
September 27, 2016
From Laura- On September 18th and 19th, I attended the Independent Insurance Agents of Texas 2016 Small Agency Conference in San Marcos with Doug. I had a great time and I really enjoyed the different sessions and speakers. The one I liked the most was the first session with Marit Peters, she spoke of maximizing your productivity in the work place by discovering your strengths and talents. She read from the book Now, Discover Your Strengths by Marcus Buckingham & Donald O. Clifton. I have read this book before and it is a very good read. We all took the Kolbe A Index Result and found out our individual MO's, it was very interesting. We plan to have the other staff members in the office take the Kolbe A Index as well. By doing this, we can place people doing tasks where they can be more productive and accelerate at their individual jobs at hand.
From Laura- On September 18th and 19th, I attended the Independent Insurance Agents of Texas 2016 Small Agency Conference in San Marcos with Doug. I had a great time and I really enjoyed the different sessions and speakers. The one I liked the most was the first session with Marit Peters, she spoke of maximizing your productivity in the work place by discovering your strengths and talents. She read from the book Now, Discover Your Strengths by Marcus Buckingham & Donald O. Clifton. I have read this book before and it is a very good read. We all took the Kolbe A Index Result and found out our individual MO's, it was very interesting. We plan to have the other staff members in the office take the Kolbe A Index as well. By doing this, we can place people doing tasks where they can be more productive and accelerate at their individual jobs at hand.
September 24, 2016
Yesterday, the office had a lunch with food from Doyle's Restaurant. We are celebrating and recognizing two work anniversaries. Hayde Espinoza has worked in our agency for three years now and Ashley Chavez has finished her first year. Congratulations to both of them!!!
Yesterday, the office had a lunch with food from Doyle's Restaurant. We are celebrating and recognizing two work anniversaries. Hayde Espinoza has worked in our agency for three years now and Ashley Chavez has finished her first year. Congratulations to both of them!!!
September 21, 2016
Doug & Laura attended the Independent Insurance Agents of Texas Small Agency Conference this past Sundayand Monday, September 18th and 19th. There is a trade show with various insurance companies and other vendors an agency might use in their business. They all have give aways and as you can see by this table full of stuff Laura was NOT bashfull. Doug thought he was going to have to rent a trailer.
Doug & Laura attended the Independent Insurance Agents of Texas Small Agency Conference this past Sundayand Monday, September 18th and 19th. There is a trade show with various insurance companies and other vendors an agency might use in their business. They all have give aways and as you can see by this table full of stuff Laura was NOT bashfull. Doug thought he was going to have to rent a trailer.
September 15, 2016
Consumer confidence, as we have posted before, is mixed in autopilot functions for vehicles. In the situation expanded on below, there are some interesting components to this cited crash on autopilot and how insurance may handle it.
http://www.insurancejournal.com/news/southcentral/2016/08/19/423918.htm
Consumer confidence, as we have posted before, is mixed in autopilot functions for vehicles. In the situation expanded on below, there are some interesting components to this cited crash on autopilot and how insurance may handle it.
http://www.insurancejournal.com/news/southcentral/2016/08/19/423918.htm
September 11, 2016
Following up from Hayde's experience, this is a great source to have on hand from Travelers if you are in an auto accident. Look over the information and the links provided and then, we recommend bookmarking this page so you can refer back to it in the event you need it later. You can always call our office for assistance later, but you will need the basics covered ahead of time.
https://www.travelers.com/claims/individuals/auto-insurance-claims.aspx
Following up from Hayde's experience, this is a great source to have on hand from Travelers if you are in an auto accident. Look over the information and the links provided and then, we recommend bookmarking this page so you can refer back to it in the event you need it later. You can always call our office for assistance later, but you will need the basics covered ahead of time.
https://www.travelers.com/claims/individuals/auto-insurance-claims.aspx
September 8, 2016
The conclusion of Hayde's accident- In the next few days (after already waiting 24 days on the police report and USAA), I discovered that my insurance company had been asked to accept liability despite all documentation listing the other driver at fault. My company firmly denied the request and it was sent back to USAA. At this time they accepted liability because of the same witness information I had provided in my first attempt to make contact with them. The entire settlement took almost 2 months to figure out and was a large hassle, mainly because of an uncooperative driver and company. But having the documentation I needed helped me settle my accident in my favor.
The conclusion of Hayde's accident- In the next few days (after already waiting 24 days on the police report and USAA), I discovered that my insurance company had been asked to accept liability despite all documentation listing the other driver at fault. My company firmly denied the request and it was sent back to USAA. At this time they accepted liability because of the same witness information I had provided in my first attempt to make contact with them. The entire settlement took almost 2 months to figure out and was a large hassle, mainly because of an uncooperative driver and company. But having the documentation I needed helped me settle my accident in my favor.
September 4, 2016
Continued from Hayde-
In regards to my accident in May, in order to get the driver's information from the police report, I had to wait 10 days and, even then, USAA, the other insurance company involved was not helpful in settling this matter quickly. They called their client to see if he accepted liability and I provided all the information I had to speed up the process, including the police report listing their driver at fault, witness information, and pictures of both vehicles. After following up with them for 14 days, I received notification that they were not accepting liability of the accident. Feeling frustrated, I called my company and adjustor to see what could be done.
Continued from Hayde-
In regards to my accident in May, in order to get the driver's information from the police report, I had to wait 10 days and, even then, USAA, the other insurance company involved was not helpful in settling this matter quickly. They called their client to see if he accepted liability and I provided all the information I had to speed up the process, including the police report listing their driver at fault, witness information, and pictures of both vehicles. After following up with them for 14 days, I received notification that they were not accepting liability of the accident. Feeling frustrated, I called my company and adjustor to see what could be done.
September 3, 2016
From Hayde in our office-
In May of this year, I was involved in an automobile accident and witnessed, first hand, the importance of filing a police report. I was stopped in a turn lane, waiting to turn left, when a vehicle struck me on my passenger side. The driver of the other vehicle was clearly at fault, but he refused to provide his insurance information. I called the police immediately and filed a report with them. This report listed the other driver at fault. This driver was obviously immediately defensive, but even a cooperative driver will often switch their story after they leave the scene of an accident. Always call for a police report, even if it means having to wait for them to arrive.
From Hayde in our office-
In May of this year, I was involved in an automobile accident and witnessed, first hand, the importance of filing a police report. I was stopped in a turn lane, waiting to turn left, when a vehicle struck me on my passenger side. The driver of the other vehicle was clearly at fault, but he refused to provide his insurance information. I called the police immediately and filed a report with them. This report listed the other driver at fault. This driver was obviously immediately defensive, but even a cooperative driver will often switch their story after they leave the scene of an accident. Always call for a police report, even if it means having to wait for them to arrive.
August 28, 2016
Water damage in homes is more common than you think, nearly 1/3 of claims at certain times of the year are caused by water damage. These claims are not always from rising water either, the article linked below includes information on the causes of water damage and a quick tip for knowing how to shut off your water main.
https://www.travelers.com/resources/home/maintenance/how-to-prevent-water-damage.aspx
Water damage in homes is more common than you think, nearly 1/3 of claims at certain times of the year are caused by water damage. These claims are not always from rising water either, the article linked below includes information on the causes of water damage and a quick tip for knowing how to shut off your water main.
https://www.travelers.com/resources/home/maintenance/how-to-prevent-water-damage.aspx
August 26, 2016
The tropical storm season is gearing up and our ground is already saturated. If you do not have flood insurance, contact our office for more information to protect your home from rising water.
The tropical storm season is gearing up and our ground is already saturated. If you do not have flood insurance, contact our office for more information to protect your home from rising water.
August 23, 2016
The flooding in Louisiana has been devastating, what's more so is the fact that a large percentage of homes impacted were in areas outside of "normal flood plains" and so many homeowners do not have Flood Insurance. The article details some of the current issues in Louisiana right now, which has many similar characteristics to the Gulf Coast region of Texas.
http://www.nola.com/weather/index.ssf/2016/08/louisiana_flooding_insurance.html
The flooding in Louisiana has been devastating, what's more so is the fact that a large percentage of homes impacted were in areas outside of "normal flood plains" and so many homeowners do not have Flood Insurance. The article details some of the current issues in Louisiana right now, which has many similar characteristics to the Gulf Coast region of Texas.
http://www.nola.com/weather/index.ssf/2016/08/louisiana_flooding_insurance.html
August 21, 2016
Did you know there are different types of fire extinguishers that are best used for different types of fires? See the article below for a quick reference guide on the symbols that can tell you more on each type.
https://www.travelers.com/resources/home/fire-safety/types-of-fire-extinguishers.aspx
Did you know there are different types of fire extinguishers that are best used for different types of fires? See the article below for a quick reference guide on the symbols that can tell you more on each type.
https://www.travelers.com/resources/home/fire-safety/types-of-fire-extinguishers.aspx
August 20, 2016
While trees provide great value to a property, they can also cause significant damage to a home if not cared for properly. This article covers what to do before a storm and how to monitor your trees for damage during regular weather as well.
https://www.travelers.com/resources/home/maintenance/tree-maintenance-and-care.aspx
While trees provide great value to a property, they can also cause significant damage to a home if not cared for properly. This article covers what to do before a storm and how to monitor your trees for damage during regular weather as well.
https://www.travelers.com/resources/home/maintenance/tree-maintenance-and-care.aspx
August 14, 2016
The kitchen poses extra fire hazards that other rooms of your home do not. Read the article linked here to do a quick check over your kitchen and keep some of these valuable tips in mind to do on a regular basis.
https://www.travelers.com/resources/home/fire-safety/kitchen-fire-safety.aspx
The kitchen poses extra fire hazards that other rooms of your home do not. Read the article linked here to do a quick check over your kitchen and keep some of these valuable tips in mind to do on a regular basis.
https://www.travelers.com/resources/home/fire-safety/kitchen-fire-safety.aspx
August 12, 2016
After securing your home and locking the door, securing yourself on vacation isn't over. See the article below for ways to plan ahead in the event of an emergency on your trip. It will save you the extra hassle and will get you back on track to enjoy your time!
https://www.travelers.com/resources/home/safety/travel-safety-tips.aspx
After securing your home and locking the door, securing yourself on vacation isn't over. See the article below for ways to plan ahead in the event of an emergency on your trip. It will save you the extra hassle and will get you back on track to enjoy your time!
https://www.travelers.com/resources/home/safety/travel-safety-tips.aspx
August 7, 2016
Having a fire extinguisher is a great idea, but make sure you know how to use it! See the article below to find out more and use the acronym PASS (Pull the pin, Aim low, Squeeze the lever, Sweep from side to side) for maximum effectiveness.
https://www.travelers.com/resources/home/fire-safety/how-to-use-a-fire-extinguisher.aspx
Having a fire extinguisher is a great idea, but make sure you know how to use it! See the article below to find out more and use the acronym PASS (Pull the pin, Aim low, Squeeze the lever, Sweep from side to side) for maximum effectiveness.
https://www.travelers.com/resources/home/fire-safety/how-to-use-a-fire-extinguisher.aspx
August 5, 2016
Did you know that local law enforcement will come check your home security for weak points? Or the importance of setting a safety routine? See the link below for further details on those points and several others for securing your home as much as possible.
https://www.travelers.com/resources/home/safety/how-to-secure-your-home.aspx
Did you know that local law enforcement will come check your home security for weak points? Or the importance of setting a safety routine? See the link below for further details on those points and several others for securing your home as much as possible.
https://www.travelers.com/resources/home/safety/how-to-secure-your-home.aspx
August 1, 2016
House fires can be devastating for homeowners and, while not completely unavoidable, there are many steps that can be taken in order to reduce your risk of having one. Besides obvious cooking tips, see the list linked below for what to check your home for.
https://www.travelers.com/resources/home/fire-safety/how-to-prevent-house-fires.aspx
House fires can be devastating for homeowners and, while not completely unavoidable, there are many steps that can be taken in order to reduce your risk of having one. Besides obvious cooking tips, see the list linked below for what to check your home for.
https://www.travelers.com/resources/home/fire-safety/how-to-prevent-house-fires.aspx
July 28, 2016
Many in the Houston area have generators for emergency situations following major storms. These can be helpful to have, but need to be used with caution and need to be used appropriately. See the link below for tips and tricks on how to use your generators to your full advantage without causing harm or risks to others!
https://www.travelers.com/resources/home/safety/generator-safety.aspx
Many in the Houston area have generators for emergency situations following major storms. These can be helpful to have, but need to be used with caution and need to be used appropriately. See the link below for tips and tricks on how to use your generators to your full advantage without causing harm or risks to others!
https://www.travelers.com/resources/home/safety/generator-safety.aspx
July 24, 2016
Travelers has linked up with the Center for Disease Control to make sure homeowners know how to avoid and prevent carbon monoxide poisoning. The link below includes a video and quick article with more information.
https://www.travelers.com/resources/home/safety/how-to-prevent-carbon-monoxide-poisoning.aspx
Travelers has linked up with the Center for Disease Control to make sure homeowners know how to avoid and prevent carbon monoxide poisoning. The link below includes a video and quick article with more information.
https://www.travelers.com/resources/home/safety/how-to-prevent-carbon-monoxide-poisoning.aspx
July 20, 2016
Planning basic landscaping at your home? Check out the article below for a quick call to make ahead of time for utilities to come mark your gas lines ahead of time. Not only is cutting one of these lines inconvenient, but it is also dangerous for you and the homes around you.
https://www.travelers.com/resources/home/maintenance/call-before-you-dig.aspx
Planning basic landscaping at your home? Check out the article below for a quick call to make ahead of time for utilities to come mark your gas lines ahead of time. Not only is cutting one of these lines inconvenient, but it is also dangerous for you and the homes around you.
https://www.travelers.com/resources/home/maintenance/call-before-you-dig.aspx
July 17, 2016
With vacation season in high gear, take a quick look at these tips before hitting the road or making it towards the airport! There are some good ones listed that you may not have thought about, including unplugging appliances and electronics and warning your local police if you will be gone an extended time.
https://www.travelers.com/resources/home/safety/preparing-your-home-for-vacation.aspx
With vacation season in high gear, take a quick look at these tips before hitting the road or making it towards the airport! There are some good ones listed that you may not have thought about, including unplugging appliances and electronics and warning your local police if you will be gone an extended time.
https://www.travelers.com/resources/home/safety/preparing-your-home-for-vacation.aspx
July 13, 2016
Colton recently completed a series of courses required to earn an insurance designation offered by the Independent Insurance Agents of Texas.
The Texas Independent Insurance Adviser in Commercial Lines (TIIACL) designation consists of 7 specialized classes spread over 50 hours meant to advance understanding and knowledge of commercial lines insurance, such as Commercial Property, General Liability, Workers Compensation, Business Auto and Professional Liability.
Congratulations to Colton on this achievement!
Colton recently completed a series of courses required to earn an insurance designation offered by the Independent Insurance Agents of Texas.
The Texas Independent Insurance Adviser in Commercial Lines (TIIACL) designation consists of 7 specialized classes spread over 50 hours meant to advance understanding and knowledge of commercial lines insurance, such as Commercial Property, General Liability, Workers Compensation, Business Auto and Professional Liability.
Congratulations to Colton on this achievement!
July 28, 2016
Do you have a flood safety kit? You have probably heard of an emergency preparedness kit for hurricanes and this isn't all that different. Those of us in the gulf coast should probably be prepared year round and not just in the summer months when we can monitor activity in the gulf.
https://weather.com/safety/tornado/news/disaster-supply-kit-20120330#/1
Do you have a flood safety kit? You have probably heard of an emergency preparedness kit for hurricanes and this isn't all that different. Those of us in the gulf coast should probably be prepared year round and not just in the summer months when we can monitor activity in the gulf.
https://weather.com/safety/tornado/news/disaster-supply-kit-20120330#/1
July 27, 2016
Below is an interesting slideshow from weather.com on the 9 worst things you can do in a flood. Click through each to see how to protect yourself and your belongings in the event you are in this situation.
https://weather.com/safety/floods/news/worst-things-to-do-during-flooding#/1
Below is an interesting slideshow from weather.com on the 9 worst things you can do in a flood. Click through each to see how to protect yourself and your belongings in the event you are in this situation.
https://weather.com/safety/floods/news/worst-things-to-do-during-flooding#/1
June 26, 2016
Want to save money on your auto insurance? You may consider having your teen driver walk or ride the bus everywhere! Click on the link below to see a graphic on how much your insurance premiums increase when you add them on to your policy. Teenage drivers are a huge risk and the cost clearly indicate that!
http://www.insurancejournal.com/news/national/2016/06/16/417237.htm
Want to save money on your auto insurance? You may consider having your teen driver walk or ride the bus everywhere! Click on the link below to see a graphic on how much your insurance premiums increase when you add them on to your policy. Teenage drivers are a huge risk and the cost clearly indicate that!
http://www.insurancejournal.com/news/national/2016/06/16/417237.htm
June 25, 2016
The second story from Cypress is about another family who asked for assistance in clearing out dry wall and doing basic repairs on their home. As friends moved through this home, they worked on one part of the house and were ready to move towards the bedrooms. They were shocked to hear the homeowner argue that there was no water damage in the bedrooms, despite a foot of water being in the other parts of the home.
When they asked, incredulously, how that was possible, the homeowner showed how they made their own sand bags from the dirt in her garden and monitored, with shop vacuum and towels in hand to make sure that water didn't destroy the whole house. They stayed up for two days waiting for the water to recede, but minimized the overall damage to their home. It is incredible what determined homeowners can do to try to save their home.
The second story from Cypress is about another family who asked for assistance in clearing out dry wall and doing basic repairs on their home. As friends moved through this home, they worked on one part of the house and were ready to move towards the bedrooms. They were shocked to hear the homeowner argue that there was no water damage in the bedrooms, despite a foot of water being in the other parts of the home.
When they asked, incredulously, how that was possible, the homeowner showed how they made their own sand bags from the dirt in her garden and monitored, with shop vacuum and towels in hand to make sure that water didn't destroy the whole house. They stayed up for two days waiting for the water to recede, but minimized the overall damage to their home. It is incredible what determined homeowners can do to try to save their home.
June 21, 2016
Cypress was hit hard by the two recent floods that took place. One of our clients relayed two stories to us, the first about a friend impacted by the flooding. They had just recently been complaining that their house loan required them to carry flood insurance when their house hadn't flooded for many years, even when other houses in the area had. The tax day flood occurred and they woke up to rapidly rising water and feet of water that required gutting of most of their down stairs. So just because homes haven't flooded in the past 50 years, doesn't mean that they won't, especially with changing run offs and unpredictable summer weather. In the end, they were thankful for the bank's cautionary attitude towards their investment.
Cypress was hit hard by the two recent floods that took place. One of our clients relayed two stories to us, the first about a friend impacted by the flooding. They had just recently been complaining that their house loan required them to carry flood insurance when their house hadn't flooded for many years, even when other houses in the area had. The tax day flood occurred and they woke up to rapidly rising water and feet of water that required gutting of most of their down stairs. So just because homes haven't flooded in the past 50 years, doesn't mean that they won't, especially with changing run offs and unpredictable summer weather. In the end, they were thankful for the bank's cautionary attitude towards their investment.
June 12, 2016
The article below details a huge issue with some tow truck drivers stealing cars in order to make extra money. One of our clients had this happen years ago. Read below to find out how to avoid some of the tricks that take place and what to do if you find your car held "captive" by one of these people.
http://www.insurancejournal.com/news/southcentral/2016/05/25/409912.htm
The article below details a huge issue with some tow truck drivers stealing cars in order to make extra money. One of our clients had this happen years ago. Read below to find out how to avoid some of the tricks that take place and what to do if you find your car held "captive" by one of these people.
http://www.insurancejournal.com/news/southcentral/2016/05/25/409912.htm
June 10, 2016
While the development in Houston is likely a contributing factor to the flooding situation, we are not sure it is the City of Houston's fault. We will see what the court says in this case detailed below.
http://www.insurancejournal.com/news/southcentral/2016/05/27/410135.htm
While the development in Houston is likely a contributing factor to the flooding situation, we are not sure it is the City of Houston's fault. We will see what the court says in this case detailed below.
http://www.insurancejournal.com/news/southcentral/2016/05/27/410135.htm
June 8, 2016
They say Texas does everything bigger, even flooding! This "hits" a little close to home, but does bring up another reason why you shouldn't drive into flood water, you don't know what is out there! We got this comic sent to us by https://texasagent.org/2016/04/21/223/
They say Texas does everything bigger, even flooding! This "hits" a little close to home, but does bring up another reason why you shouldn't drive into flood water, you don't know what is out there! We got this comic sent to us by https://texasagent.org/2016/04/21/223/
June 3, 2016
We would like to say congratulations to Alicia! She is celebrating her anniversary with a well deserved week off and a little vacation. We will be happy to see her rested and refreshed when she gets back and will be happy to take care of all of you in the mean time!
We would like to say congratulations to Alicia! She is celebrating her anniversary with a well deserved week off and a little vacation. We will be happy to see her rested and refreshed when she gets back and will be happy to take care of all of you in the mean time!
May 30, 2016
We want to send a thank you to those who have served and placed their lives on the line for our country. We remember you and your families on this Memorial Day.
We want to send a thank you to those who have served and placed their lives on the line for our country. We remember you and your families on this Memorial Day.
May 28, 2016
As we move into more rainy weather, do you need an oversized umbrella to keep you dry? We have a surplus of umbrellas and want to give one to you! We have a few left for our clients to refer their friends or family (a willing prospect!) and in return, they will receive a complimentary jumbo sized umbrella.
Either provide us with the name and contact details of the individual looking for competitive home/auto/life/health/commercial insurance quotes or have them give us a call themselves.
As we move into more rainy weather, do you need an oversized umbrella to keep you dry? We have a surplus of umbrellas and want to give one to you! We have a few left for our clients to refer their friends or family (a willing prospect!) and in return, they will receive a complimentary jumbo sized umbrella.
Either provide us with the name and contact details of the individual looking for competitive home/auto/life/health/commercial insurance quotes or have them give us a call themselves.
May 27, 2016
We all understand that we should pay more attention when driving, but rarely do we give it the attention it needs. Maybe understanding the biggest cost of distracted driving will help curb our desire to do other activities while operating a vehicle. How many deaths occur in our country each day from distracted driving? Click on the link below to find out the number. We would argue that more than one is too many, unfortunately it's more than that.
http://www.insurancejournal.com/news/southcentral/2016/04/06/404455.htm
We all understand that we should pay more attention when driving, but rarely do we give it the attention it needs. Maybe understanding the biggest cost of distracted driving will help curb our desire to do other activities while operating a vehicle. How many deaths occur in our country each day from distracted driving? Click on the link below to find out the number. We would argue that more than one is too many, unfortunately it's more than that.
http://www.insurancejournal.com/news/southcentral/2016/04/06/404455.htm
May 26, 2016
While tornadoes aren't as common in our area as other parts of the country (and state), they have been reported when large weather systems approach the city like this evening. In fact, according to the article below, tornadoes have been reported in every state in the country. Read further for a few helpful tips if you find yourself in situation with a large risk for tornadoes.
http://www.insurancejournal.com/news/southcentral/2016/05/11/408123.htm
While tornadoes aren't as common in our area as other parts of the country (and state), they have been reported when large weather systems approach the city like this evening. In fact, according to the article below, tornadoes have been reported in every state in the country. Read further for a few helpful tips if you find yourself in situation with a large risk for tornadoes.
http://www.insurancejournal.com/news/southcentral/2016/05/11/408123.htm
May 22, 2016
With as much weather related damage as the Houston area has seen over the past few weeks, the costliest storm in Texas History recently occurred elsewhere in our state. The article below details where and how this weather system caused so much trouble. And these cost estimates are only from insured property!
http://www.insurancejournal.com/news/southcentral/2016/04/20/405983.htm
With as much weather related damage as the Houston area has seen over the past few weeks, the costliest storm in Texas History recently occurred elsewhere in our state. The article below details where and how this weather system caused so much trouble. And these cost estimates are only from insured property!
http://www.insurancejournal.com/news/southcentral/2016/04/20/405983.htm
May 21, 2016
It is always great news to hear that the number of any kind of claims are going down, but not as much when the average payout on claims in increasing. Claims from dog bites are always difficult to handle and each situation is covered differently. Call us for information on how to make sure you are covered, even the kindest dog can bite under certain circumstances, as mentioned in the article below.
http://www.insurancejournal.com/news/national/2015/05/15/368180.htm
It is always great news to hear that the number of any kind of claims are going down, but not as much when the average payout on claims in increasing. Claims from dog bites are always difficult to handle and each situation is covered differently. Call us for information on how to make sure you are covered, even the kindest dog can bite under certain circumstances, as mentioned in the article below.
http://www.insurancejournal.com/news/national/2015/05/15/368180.htm
May 18, 2016
The pictures below are from one of our clients during the "Tax Day Flood" this year. We can hear the city "holding it's breath" with every rain forecast!
The pictures below are from one of our clients during the "Tax Day Flood" this year. We can hear the city "holding it's breath" with every rain forecast!
May 15, 2016
Apparently while the boss was traveling in Italy the staff was busy. It looks like they had a "hoodie" dress up day and they all tried out sitting in the Bosses big chair!
But actually they all did a good job taking care of our clients. Thank you staff!!!
Apparently while the boss was traveling in Italy the staff was busy. It looks like they had a "hoodie" dress up day and they all tried out sitting in the Bosses big chair!
But actually they all did a good job taking care of our clients. Thank you staff!!!
May 11, 2016
This picture is from my first "Toppers" convention when I was a new, 2 year Farmers Insurance Agent. Toppers was an award trip that the top 8 to 10% of agents achieved. In the raft was Sam Rush, RJ Landry (our district manager), Charles Green, myself and our wives. By the way I made Toppers for 8 consecutive years.
When Sam Rush recently passed away, I had been thinking about all of the memories of being a new agent and the times we had together. Sam caused a water fight later in the day on this rafting trip. We finally threw him overboard (not in the rapids) because the water was ice cold and other rafts were throwing water back on us. So here is to Sam and good times!
May 8, 2016
Why did so many homes flood recently if they weren't in the "100 Year Flood Zone"? The article linked below details why that term is misleading. There are too many factors that go into predicting building patterns and weather systems to give any sort of risk factor for flooding. We encourage all of our clients to purchase flood insurance regardless of which zone they live in, you can call us for more information on your rates.
http://www.insurancejournal.com/news/national/2016/04/22/406148.htm
Why did so many homes flood recently if they weren't in the "100 Year Flood Zone"? The article linked below details why that term is misleading. There are too many factors that go into predicting building patterns and weather systems to give any sort of risk factor for flooding. We encourage all of our clients to purchase flood insurance regardless of which zone they live in, you can call us for more information on your rates.
http://www.insurancejournal.com/news/national/2016/04/22/406148.htm
May 5, 2016
Insurance rates will probably stay firm for now in light of recent weather situations and the hailstorm issue detailed in the article below. Barely moving into May, Texas has already hit the 9 year average for hail which contributes to various loss claims. Call us for more information on what your policy covers and to seek additional coverage if needed.
http://www.insurancejournal.com/news/southcentral/2016/04/26/406485.htm
Insurance rates will probably stay firm for now in light of recent weather situations and the hailstorm issue detailed in the article below. Barely moving into May, Texas has already hit the 9 year average for hail which contributes to various loss claims. Call us for more information on what your policy covers and to seek additional coverage if needed.
http://www.insurancejournal.com/news/southcentral/2016/04/26/406485.htm
May 3, 2016
The first 20 people to refer their friends or family (a willing prospect!) will receive a complimentary jumbo sized umbrella.
Either provide us with the name and contact details of the individual looking for competitive home/auto/life/health/commercial insurance quotes, or have them give us a call themselves.
That's it! The first twenty people to put us in touch with a prospective client who is looking for quotes receives a larger than life umbrella!
The first 20 people to refer their friends or family (a willing prospect!) will receive a complimentary jumbo sized umbrella.
Either provide us with the name and contact details of the individual looking for competitive home/auto/life/health/commercial insurance quotes, or have them give us a call themselves.
That's it! The first twenty people to put us in touch with a prospective client who is looking for quotes receives a larger than life umbrella!
May 1, 2016
Can you pick out all the companies we have appointments with?
Some of us are Travelers but it's not that way Foremost. In a Progressive world, we try and play it Safe. Co-independent studies show that people suffered when they hid instead of when they opened up and MetLife with open arms. From Hartford to Columbia, Lloyd's work will never be forgotten.
Can you pick out all the companies we have appointments with?
Some of us are Travelers but it's not that way Foremost. In a Progressive world, we try and play it Safe. Co-independent studies show that people suffered when they hid instead of when they opened up and MetLife with open arms. From Hartford to Columbia, Lloyd's work will never be forgotten.
April 30, 2016
While Doug is in Italy with his wife Debra, his staff members thought it would be great time to have a 'Wear Your Pajamas to Work Day'! And while we're at it, let's order some Popeye's chicken, and play Dominoes! How about a game a Black Jack!? With our own Colton Cummings as the dealer? Why not?!! Have a great time in Italy Doug! We're having a great time here in the office!!!
Disclosure: Friends and family, we actually do take our jobs very seriously and you may contact us to provide excellent service at anytime. Just a little fun for Doug while he's out. Laura did not actually smoke a cigar, it's hazardous to your health.
While Doug is in Italy with his wife Debra, his staff members thought it would be great time to have a 'Wear Your Pajamas to Work Day'! And while we're at it, let's order some Popeye's chicken, and play Dominoes! How about a game a Black Jack!? With our own Colton Cummings as the dealer? Why not?!! Have a great time in Italy Doug! We're having a great time here in the office!!!
Disclosure: Friends and family, we actually do take our jobs very seriously and you may contact us to provide excellent service at anytime. Just a little fun for Doug while he's out. Laura did not actually smoke a cigar, it's hazardous to your health.
April 28, 2016
We've all heard them, "I don't need flood insurance because I am not in the flood zone" or "This house has never flooded in over 50 years, so it will be fine to go without flood insurance". Check out the attached video from one of our clients just last week, who is not in the flood zone, but is actively sweeping water out of their home. Thankfully, they had a Flood Insurance Policy and will be covered. Please call us if you would like more information.
https://www.youtube.com/watch?v=NcsmjoUJ5fI&feature=youtu.be
We've all heard them, "I don't need flood insurance because I am not in the flood zone" or "This house has never flooded in over 50 years, so it will be fine to go without flood insurance". Check out the attached video from one of our clients just last week, who is not in the flood zone, but is actively sweeping water out of their home. Thankfully, they had a Flood Insurance Policy and will be covered. Please call us if you would like more information.
https://www.youtube.com/watch?v=NcsmjoUJ5fI&feature=youtu.be
April 22, 2016
After our historical rain fall on Monday April 18th, many homeowners and renters flooded and they were not necessarily in a high risk flood zone. Even if you know that you are not in a high risk area, we here at our office can run a flood FIRMette to actually show your location being in or out of a designated flood zone. This FIRMette will show you where your property lies in conjunction with a potentially hazardous flood area. Let us know if we can run a Flood FIRMette for you!
After our historical rain fall on Monday April 18th, many homeowners and renters flooded and they were not necessarily in a high risk flood zone. Even if you know that you are not in a high risk area, we here at our office can run a flood FIRMette to actually show your location being in or out of a designated flood zone. This FIRMette will show you where your property lies in conjunction with a potentially hazardous flood area. Let us know if we can run a Flood FIRMette for you!
April 21, 2016
With all of the recent rain I wanted to let you know that flood insurance is available for renters. If you are not in the "Special Hazard Flood Zones" commonly know as the 100 year flood zone then there are Preferred Risk policies available. There are several options available with the lowest cost option for $8,000 in contents coverage costing $96.00 per year. You can get up to $100,000 in contents coverage at an annual cost of $305.00.
Please call us for for further details, the preferred rates are at the bottom of the document here. We can also determine if your apartment or rental home is in or near a flood zone.
With all of the recent rain I wanted to let you know that flood insurance is available for renters. If you are not in the "Special Hazard Flood Zones" commonly know as the 100 year flood zone then there are Preferred Risk policies available. There are several options available with the lowest cost option for $8,000 in contents coverage costing $96.00 per year. You can get up to $100,000 in contents coverage at an annual cost of $305.00.
Please call us for for further details, the preferred rates are at the bottom of the document here. We can also determine if your apartment or rental home is in or near a flood zone.
April 19, 2016
Over 24 years I have had thousands of conversations with clients and propects about whether or not flood insurance was really needed. My own home was in the area during Tropical Storm Allison that received over 35 inches of rain in several days. When you look at the rainfall maps of these events you can see that the heaviest rainfall amounts are usually isolated. The Cypress area received 15 to 20 inches yesterday and the flooding is devastating. Just imagine if an Allison like storm parked over the area and the rainfall is double that amount!!!
You may want to reconsider purchasing flood insurance if you do not already have a policy. Your homeowners will not cover flooding. Please see the attached rates for "Preferred Flood Insurance" rates.
Over 24 years I have had thousands of conversations with clients and propects about whether or not flood insurance was really needed. My own home was in the area during Tropical Storm Allison that received over 35 inches of rain in several days. When you look at the rainfall maps of these events you can see that the heaviest rainfall amounts are usually isolated. The Cypress area received 15 to 20 inches yesterday and the flooding is devastating. Just imagine if an Allison like storm parked over the area and the rainfall is double that amount!!!
You may want to reconsider purchasing flood insurance if you do not already have a policy. Your homeowners will not cover flooding. Please see the attached rates for "Preferred Flood Insurance" rates.
April 18, 2016
We are hoping that all of our clients and friends are safe and dry during this weather system. The link below includes several tips for handling water damage in your homes. Additionally, stay home if you can and do not try to drive through rising water, it is not worth the risk to your safety or the potential damage to your car.
https://www.servpro.com/water-damage-tips
We are hoping that all of our clients and friends are safe and dry during this weather system. The link below includes several tips for handling water damage in your homes. Additionally, stay home if you can and do not try to drive through rising water, it is not worth the risk to your safety or the potential damage to your car.
https://www.servpro.com/water-damage-tips
April 17, 2016
On Friday April 8th, we celebrated Debra Johnson's birthday! We had a wonderful lunch from one our favorite places, Pho Long. The office gave her two coveted Texas A & M frames for her new "Aggie" license plates giving to her by Doug. We all had a great time with great food! Now to start thinking about next year!
On Friday April 8th, we celebrated Debra Johnson's birthday! We had a wonderful lunch from one our favorite places, Pho Long. The office gave her two coveted Texas A & M frames for her new "Aggie" license plates giving to her by Doug. We all had a great time with great food! Now to start thinking about next year!
April 13, 2016
This past Friday, we held a Lunch & Learn for our Team Members. We do this on a regular basis to keep up with industry updates and various office procedures which we all practice. This session was in regards to our growth as a group, our preferred clientele, and important filing and documentation procedures which insurance agencies must perform consistently in order to operate efficiently and effectively for our clients and our companies.
This past Friday, we held a Lunch & Learn for our Team Members. We do this on a regular basis to keep up with industry updates and various office procedures which we all practice. This session was in regards to our growth as a group, our preferred clientele, and important filing and documentation procedures which insurance agencies must perform consistently in order to operate efficiently and effectively for our clients and our companies.
April 11, 2016
The Insurance Safety Institute has begun testing headlights to improve driver visibility during the night. Most vehicles tested did not meet their full expectations. If you drive one of these cars and are having trouble seeing while driving in the dark, it could be a headlight issue. And as we see in this article, improvements will hopefully follow, keeping you and others safe.
http://www.insurancejournal.com/news/national/2016/03/30/403486.htm
The Insurance Safety Institute has begun testing headlights to improve driver visibility during the night. Most vehicles tested did not meet their full expectations. If you drive one of these cars and are having trouble seeing while driving in the dark, it could be a headlight issue. And as we see in this article, improvements will hopefully follow, keeping you and others safe.
http://www.insurancejournal.com/news/national/2016/03/30/403486.htm
April 9, 2016
We have posted articles about the most frequently stolen vehicles before, but this article is Texas specific. Do you own the number one stolen vehicle in the area?
http://www.insurancejournal.com/news/southcentral/2016/02/29/400189.htm
We have posted articles about the most frequently stolen vehicles before, but this article is Texas specific. Do you own the number one stolen vehicle in the area?
http://www.insurancejournal.com/news/southcentral/2016/02/29/400189.htm
April 2, 2016
Lies. Lies. Lies. Whether a lie of omission or an outright lie, it happens all the time. The article below uses a recent survey that measured how many people lie in certain financial situations and how many people think those lies are acceptable. Among the list, lying about extra income on tax reports (April 15 approaches!) and reporting lesser miles for a lower rate on insurance. Check out the article and then, please, be honest!
http://www.insurancejournal.com/news/national/2016/03/15/401919.htm
Lies. Lies. Lies. Whether a lie of omission or an outright lie, it happens all the time. The article below uses a recent survey that measured how many people lie in certain financial situations and how many people think those lies are acceptable. Among the list, lying about extra income on tax reports (April 15 approaches!) and reporting lesser miles for a lower rate on insurance. Check out the article and then, please, be honest!
http://www.insurancejournal.com/news/national/2016/03/15/401919.htm
March 27, 2016
In the Greater Houston Area, we are no stranger to construction and road work. The article linked below contains several guidelines that we should all keep in our mind as we travel around this city (and others as well).
https://www.travelers.com/resources/auto/safe-driving/work-zone-traffic-safety.aspx
In the Greater Houston Area, we are no stranger to construction and road work. The article linked below contains several guidelines that we should all keep in our mind as we travel around this city (and others as well).
https://www.travelers.com/resources/auto/safe-driving/work-zone-traffic-safety.aspx
March 24, 2016
We always assume that emergency situations won't happen to us, but it is always best to be prepared. The article contains a few tips for vehicle emergencies and a video that gives some great information as well.
https://www.travelers.com/resources/auto/travel/what-to-do-if-your-car-breaks-down.aspx
We always assume that emergency situations won't happen to us, but it is always best to be prepared. The article contains a few tips for vehicle emergencies and a video that gives some great information as well.
https://www.travelers.com/resources/auto/travel/what-to-do-if-your-car-breaks-down.aspx
March 20, 2016
Take note of the new flood insurance rates, there is a small increase. Feel free to call us with questions to add coverage to your existing policies.
Take note of the new flood insurance rates, there is a small increase. Feel free to call us with questions to add coverage to your existing policies.
March 18, 2016
Tire safety helps prevent blowouts as discussed previously, but also help prevent weather and sudden traffic stop accidents as well. If you have a penny and a quarter then you can check your tire tread, details are linked in the article below.
https://www.travelers.com/resources/auto/safe-driving/how-to-check-tire-tread.aspx
Tire safety helps prevent blowouts as discussed previously, but also help prevent weather and sudden traffic stop accidents as well. If you have a penny and a quarter then you can check your tire tread, details are linked in the article below.
https://www.travelers.com/resources/auto/safe-driving/how-to-check-tire-tread.aspx
March 14, 2016
We have all seen the evidence of a tire blowout on the road, but have you ever experienced one? Click on the link below for some information on what it sounds and feels like and for some tips on what to do if you find yourself in this potentially dangerous situation.
https://www.travelers.com/resources/auto/safe-driving/how-to-handle-a-tire-blowout.aspx
We have all seen the evidence of a tire blowout on the road, but have you ever experienced one? Click on the link below for some information on what it sounds and feels like and for some tips on what to do if you find yourself in this potentially dangerous situation.
https://www.travelers.com/resources/auto/safe-driving/how-to-handle-a-tire-blowout.aspx
March 10, 2016
The article below contains six more tips for keeping teenage drivers safe, but they are good reminders for all drivers no matter how old or how long you have been driving!
https://www.travelers.com/resources/auto/teen-driving/keeping-your-teen-driver-safe.aspx
The article below contains six more tips for keeping teenage drivers safe, but they are good reminders for all drivers no matter how old or how long you have been driving!
https://www.travelers.com/resources/auto/teen-driving/keeping-your-teen-driver-safe.aspx
March 8, 2016
How many seconds do you have to react to a car stopping in front of you? What factors can change that number of seconds? The link below includes a short video and article that explains more about the "three second rule".
https://www.travelers.com/resources/auto/travel/3-second-rule-for-safe-following-distance.aspx
How many seconds do you have to react to a car stopping in front of you? What factors can change that number of seconds? The link below includes a short video and article that explains more about the "three second rule".
https://www.travelers.com/resources/auto/travel/3-second-rule-for-safe-following-distance.aspx
March 4, 2016
Texting isn't going anywhere, especially for our younger generations who are recent drivers or just learning. Read the article below for safety tips in conjunction with texting and remember that even using voice to text can be dangerous and distracting!
https://www.travelers.com/resources/auto/teen-driving/5-teen-texting-and-driving-tips.aspx
Texting isn't going anywhere, especially for our younger generations who are recent drivers or just learning. Read the article below for safety tips in conjunction with texting and remember that even using voice to text can be dangerous and distracting!
https://www.travelers.com/resources/auto/teen-driving/5-teen-texting-and-driving-tips.aspx
March 2, 2016
In light of the information posted about teenage and young drivers, the link below includes some "coaching tips" for how to keep your teenage drivers safer and help them become better, more responsible and responsive drivers.
https://www.travelers.com/resources/auto/teen-driving/teen-driving-coaching-guide.aspx
In light of the information posted about teenage and young drivers, the link below includes some "coaching tips" for how to keep your teenage drivers safer and help them become better, more responsible and responsive drivers.
https://www.travelers.com/resources/auto/teen-driving/teen-driving-coaching-guide.aspx
February 28, 2016
A little note from Ashley H. about running safety for runners and drivers. This week I ran in a new neighborhood and was glad I was paying attention. A driver was using voice to text, which is just as distracting as texting because you check to see if it is correct, and cut a corner to turn left as I was turning right. As I quickly moved out of the way, the driver missed me by less than a foot. A few safety reminders follow-
1. When running, use sidewalks when possible.
2. If you have to run on the road, stay where you can see oncoming traffic, this is so you are aware of drivers.
3. Wear reflective clothing and lighter colors when running at dawn or dusk.
4. Stay vigilant of your surroundings, be aware of drivers, other runners, loose dogs, and other road hazards.
5. It is safer to stay unplugged from music or technology, but if you choose to have headphones in, turn the music down or use only one headphone to leave your other ear "open".
As always, when driving, don't get complacent because you are in your own neighborhood or you just need to shoot off a quick text. If it is important, pull over safely and send your message. And cutting a corner/apexing a turn is never safe and in many cases is illegal.
A little note from Ashley H. about running safety for runners and drivers. This week I ran in a new neighborhood and was glad I was paying attention. A driver was using voice to text, which is just as distracting as texting because you check to see if it is correct, and cut a corner to turn left as I was turning right. As I quickly moved out of the way, the driver missed me by less than a foot. A few safety reminders follow-
1. When running, use sidewalks when possible.
2. If you have to run on the road, stay where you can see oncoming traffic, this is so you are aware of drivers.
3. Wear reflective clothing and lighter colors when running at dawn or dusk.
4. Stay vigilant of your surroundings, be aware of drivers, other runners, loose dogs, and other road hazards.
5. It is safer to stay unplugged from music or technology, but if you choose to have headphones in, turn the music down or use only one headphone to leave your other ear "open".
As always, when driving, don't get complacent because you are in your own neighborhood or you just need to shoot off a quick text. If it is important, pull over safely and send your message. And cutting a corner/apexing a turn is never safe and in many cases is illegal.
February 27, 2016
Do you know which age group accounts for less than 5% of drivers on the road, but are involved in 13% of all accidents? What about which demographic can site that automobile accidents are the leading cause of death? Follow the link to find out the answer to these questions and more sobering statistics. And apply our safety rules to all driving situations, even seemingly easy drives and errands.
https://www.travelers.com/resources/auto/teen-driving/teen-driving-statistics.aspx
Do you know which age group accounts for less than 5% of drivers on the road, but are involved in 13% of all accidents? What about which demographic can site that automobile accidents are the leading cause of death? Follow the link to find out the answer to these questions and more sobering statistics. And apply our safety rules to all driving situations, even seemingly easy drives and errands.
https://www.travelers.com/resources/auto/teen-driving/teen-driving-statistics.aspx
February 25, 2016
Follow the link below for their seven indicators of safety when contemplating purchasing a vehicle. These should be taken into consideration for new or used vehicles and may need to be evaluated when comparing more than one car or looking at selling price versus features included.
https://www.travelers.com/resources/auto/safe-driving/how-to-shop-for-a-safe-car.aspx
Follow the link below for their seven indicators of safety when contemplating purchasing a vehicle. These should be taken into consideration for new or used vehicles and may need to be evaluated when comparing more than one car or looking at selling price versus features included.
https://www.travelers.com/resources/auto/safe-driving/how-to-shop-for-a-safe-car.aspx
February 20, 2016
Not only are you more likely to drive with distractions, but other drivers are too. The article below gives several good reminders and tips for how to be a more cautious and defensive driver to avoid an accident. You cannot assume that everyone is as good of a driver or is paying enough attention.
https://www.travelers.com/resources/auto/safe-driving/share-the-road.aspx
Not only are you more likely to drive with distractions, but other drivers are too. The article below gives several good reminders and tips for how to be a more cautious and defensive driver to avoid an accident. You cannot assume that everyone is as good of a driver or is paying enough attention.
https://www.travelers.com/resources/auto/safe-driving/share-the-road.aspx
February 17, 2016
Another consideration to think about as you plan your summer road trip or even a weekend at Grandma's is safely packing your car. As the video in the link below states, a heavier car means a car that takes longer to stop. Watch the one minute video for additional tips.
https://www.travelers.com/resources/auto/travel/car-packing-tips.aspx
Another consideration to think about as you plan your summer road trip or even a weekend at Grandma's is safely packing your car. As the video in the link below states, a heavier car means a car that takes longer to stop. Watch the one minute video for additional tips.
https://www.travelers.com/resources/auto/travel/car-packing-tips.aspx
February 14, 2016
While it is only January, many families and individuals are beginning to plan their summer road trip. Follow the link below to a graphic that lists several tips and pointers you may want to consider as you plan!
https://www.travelers.com/resources/auto/travel/summer-driving-tips.aspx
While it is only January, many families and individuals are beginning to plan their summer road trip. Follow the link below to a graphic that lists several tips and pointers you may want to consider as you plan!
https://www.travelers.com/resources/auto/travel/summer-driving-tips.aspx
February 12, 2016
From Doug- If you cannot recognize the man in the picture, this is me when I was a bit younger. Many agents officed together in the Farmers Insurance District Managers office and all of the other new agents thought I was the expert on flood insurance! My staff bought the chair for me to celebrate that expertise and I still have it in my office today. However, as you can see, the chair may be here, but all of my hair is gone!
From Doug- If you cannot recognize the man in the picture, this is me when I was a bit younger. Many agents officed together in the Farmers Insurance District Managers office and all of the other new agents thought I was the expert on flood insurance! My staff bought the chair for me to celebrate that expertise and I still have it in my office today. However, as you can see, the chair may be here, but all of my hair is gone!
February 5, 2016
Doug is ready for game day a little early!
Doug is ready for game day a little early!
February 4, 2016
We have written before about distractions while driving, but your passengers can be distractions too. The link directs to a short one minute video discussing the importance of designated zones in the vehicle while it is being operated. Most notably, about kids having everything they need before the car is put into drive.
https://www.travelers.com/resources/auto/travel/car-rules-for-passengers.aspx
We have written before about distractions while driving, but your passengers can be distractions too. The link directs to a short one minute video discussing the importance of designated zones in the vehicle while it is being operated. Most notably, about kids having everything they need before the car is put into drive.
https://www.travelers.com/resources/auto/travel/car-rules-for-passengers.aspx
February 2, 2016
While theft of one of your vehicles is never your fault, there are some simple tasks to remind yourself of to make you and your vehicle less of a target. Hiding valuables and staying in well lit areas are just two of the steps detailed in the article here.
https://www.travelers.com/resources/auto/travel/how-to-protect-your-car-from-theft.aspx
While theft of one of your vehicles is never your fault, there are some simple tasks to remind yourself of to make you and your vehicle less of a target. Hiding valuables and staying in well lit areas are just two of the steps detailed in the article here.
https://www.travelers.com/resources/auto/travel/how-to-protect-your-car-from-theft.aspx
January 31, 2016
There are many reasons why parents may be excited or hesitant for their teenagers to get behind the wheel. At the end of the day, a parent needs to keep their child safe. The link contains some tips for having a safety focused conversation with your teenage driver. These conversations should happen before your child gets behind the wheel and probably needs to happen more than once. Some of us adult drivers need a refresher on this information too!
https://www.travelers.com/resources/auto/teen-driving/driving-safety-talk-for-teens.aspx
There are many reasons why parents may be excited or hesitant for their teenagers to get behind the wheel. At the end of the day, a parent needs to keep their child safe. The link contains some tips for having a safety focused conversation with your teenage driver. These conversations should happen before your child gets behind the wheel and probably needs to happen more than once. Some of us adult drivers need a refresher on this information too!
https://www.travelers.com/resources/auto/teen-driving/driving-safety-talk-for-teens.aspx
January 26, 2016
While fog isn't incredibly common in our area, it is something we have to deal with from time to time. The article linked below details three tips for driving in the fog to keep you safe.
https://www.travelers.com/resources/auto/safe-driving/driving-in-fog-safely.aspx
While fog isn't incredibly common in our area, it is something we have to deal with from time to time. The article linked below details three tips for driving in the fog to keep you safe.
https://www.travelers.com/resources/auto/safe-driving/driving-in-fog-safely.aspx
January 23, 2016
From Doug-
In Decemeber our office staff gave me a present I had wanted for 30 years. It is a quote from the movie Patton written in calligraphy writing by my sister in law, Deann Bergquist. It is accompanied by two pictures, one of George C Scott from the movie, Patton and the other is an actual picture of General Patton during World War II. I have it hanging in my office and am very happy they surprised me with it! Thank you all!
From Doug-
In Decemeber our office staff gave me a present I had wanted for 30 years. It is a quote from the movie Patton written in calligraphy writing by my sister in law, Deann Bergquist. It is accompanied by two pictures, one of George C Scott from the movie, Patton and the other is an actual picture of General Patton during World War II. I have it hanging in my office and am very happy they surprised me with it! Thank you all!
January 21, 2016
From Ashley- After 3 months of studying and patiently waiting, I finally took my Property and Casualty exam on January 19, 2016. I was really nervous, but thankfully I passed! Today I submitted an application to the Texas Department of Insurance for my license. Hopefully soon I will be proud to say "I am a licensed Insurance agent!"
From Ashley- After 3 months of studying and patiently waiting, I finally took my Property and Casualty exam on January 19, 2016. I was really nervous, but thankfully I passed! Today I submitted an application to the Texas Department of Insurance for my license. Hopefully soon I will be proud to say "I am a licensed Insurance agent!"
January 16, 2016
Do not rely on Hollywood movies to tell you how to react when a tornado or hailstorm hits when you are on the road. We are sure you can recall several inaccuracies in movies in comparison to what the article here says.
https://www.travelers.com/resources/auto/safe-driving/how-to-drive-during-tornadoes-and-hail.aspx
Do not rely on Hollywood movies to tell you how to react when a tornado or hailstorm hits when you are on the road. We are sure you can recall several inaccuracies in movies in comparison to what the article here says.
https://www.travelers.com/resources/auto/safe-driving/how-to-drive-during-tornadoes-and-hail.aspx
January 8, 2016
The Gulf Coast is particularly susceptible to large rain storms and life doesn't stop when one hits. The article below gives several advisories and tips for driving in rain and larger storms. As much as we all want to get to our destination quickly, getting their safely is a far larger priority.
https://www.travelers.com/resources/auto/safe-driving/driving-in-heavy-rain-and-wind.aspx
The Gulf Coast is particularly susceptible to large rain storms and life doesn't stop when one hits. The article below gives several advisories and tips for driving in rain and larger storms. As much as we all want to get to our destination quickly, getting their safely is a far larger priority.
https://www.travelers.com/resources/auto/safe-driving/driving-in-heavy-rain-and-wind.aspx
January 4, 2016
Texting, reaching for items in the car, reading, applying makeup, or eating? Which of these activities do you think is the largest distraction to drivers on the road today? What about some of these activities combined? The article linked below has statistics about distracted driving. Don't forget, at the end of the day your job when behind the wheel is to get to your destination safely.
https://www.travelers.com/resources/auto/distracted-driving/distracted-driving-statistics.aspx
Texting, reaching for items in the car, reading, applying makeup, or eating? Which of these activities do you think is the largest distraction to drivers on the road today? What about some of these activities combined? The article linked below has statistics about distracted driving. Don't forget, at the end of the day your job when behind the wheel is to get to your destination safely.
https://www.travelers.com/resources/auto/distracted-driving/distracted-driving-statistics.aspx
December 30, 2015
The next two days are some of the more dangerous days for driving in the year. Please be careful, plan ahead for a safe ride or a place to stay, and make responsible decisions. We wish everyone a safe and Happy New Year!
The next two days are some of the more dangerous days for driving in the year. Please be careful, plan ahead for a safe ride or a place to stay, and make responsible decisions. We wish everyone a safe and Happy New Year!
December 28, 2015
This past Monday we held our Annual Christmas Luncheon at Doug's house. We played a game of true stories and lies.
Chef Doug cooked some delicious oxtails, pasta with meatballs and bruschetta, all fresh and made from scratch. Everything turned out better than going to eat at a restaurant. Good job Doug!
This past Monday we held our Annual Christmas Luncheon at Doug's house. We played a game of true stories and lies.
Chef Doug cooked some delicious oxtails, pasta with meatballs and bruschetta, all fresh and made from scratch. Everything turned out better than going to eat at a restaurant. Good job Doug!
December 25, 2015
Wishing you all a joyful season!
Wishing you all a joyful season!
December 24, 2015
From Laura- On Monday, Doug held our staff Christmas luncheon with great food and fun games. Alicia may be good at discerning liars, but I am the champ at Christmas trivia! I was so full of Doug's yummy food, I couldn't eat for two days!! Thank you Doug and Merry Christmas!!!
From Laura- On Monday, Doug held our staff Christmas luncheon with great food and fun games. Alicia may be good at discerning liars, but I am the champ at Christmas trivia! I was so full of Doug's yummy food, I couldn't eat for two days!! Thank you Doug and Merry Christmas!!!
December 19, 2015
From Colton- Laura and I had the opportunity to go Volunteer at the Houston Food Bank last week. Of the two locations the HFB offers, we visited the kitchen location where perishable food is prepared and processed for hot meals (the other is a warehouse that packages boxed/canned/non perishable food). In three short hours, enough food was prepared to produce nearly 2,000 meals for children who would not otherwise have access to nutritious hot food. It was a humbling experience and a great feeling to be a part of such a great cause
From Colton- Laura and I had the opportunity to go Volunteer at the Houston Food Bank last week. Of the two locations the HFB offers, we visited the kitchen location where perishable food is prepared and processed for hot meals (the other is a warehouse that packages boxed/canned/non perishable food). In three short hours, enough food was prepared to produce nearly 2,000 meals for children who would not otherwise have access to nutritious hot food. It was a humbling experience and a great feeling to be a part of such a great cause
December 17. 2015
From Laura- Our office decided to volunteer at the Houston Food Bank this year and we had a AWESOME time! In the three hours that Laura and Colton were there, they prepped nearly 3000 lbs of food (sweet potatoes, carrots and lettuce for salads). This was enough food to prepare almost 2000 hot meals for children after school! It was very emotional to see how many children of Houston will go home after school and not get a hot meal until the next day when they go back to school. This program produces and delivers over 3000 hot meals a day all over Houston to after school programs. We here at our office look forward to continuing our volunteer efforts! We Can Make Difference!
From Laura- Our office decided to volunteer at the Houston Food Bank this year and we had a AWESOME time! In the three hours that Laura and Colton were there, they prepped nearly 3000 lbs of food (sweet potatoes, carrots and lettuce for salads). This was enough food to prepare almost 2000 hot meals for children after school! It was very emotional to see how many children of Houston will go home after school and not get a hot meal until the next day when they go back to school. This program produces and delivers over 3000 hot meals a day all over Houston to after school programs. We here at our office look forward to continuing our volunteer efforts! We Can Make Difference!
December 14, 2015
Doug gave us the opportunity to take some time off today and volunteer at the food bank. I had a great time helping out, I honestly feel this opportunity was a very rewarding experience. Everyone there is very kind and grateful. I can't wait to go again, maybe even go with the family!
Doug gave us the opportunity to take some time off today and volunteer at the food bank. I had a great time helping out, I honestly feel this opportunity was a very rewarding experience. Everyone there is very kind and grateful. I can't wait to go again, maybe even go with the family!
December 9, 2015
It's a Very Merry Christmas from Doug Johnson!!
This year Doug and his wife Debra gave us a Shopping Trip/Spa Day for our Christmas present this year! We were able to leave work at noon on Thursday and were treated to lunch, a pedicure, and a shopping excursion at Macy's! I was able to get a nice outfit with some great accessories. Thank You Doug!! I love getting to leave work early and loved being treated to an awesome day out! Merry Christmas!
It's a Very Merry Christmas from Doug Johnson!!
This year Doug and his wife Debra gave us a Shopping Trip/Spa Day for our Christmas present this year! We were able to leave work at noon on Thursday and were treated to lunch, a pedicure, and a shopping excursion at Macy's! I was able to get a nice outfit with some great accessories. Thank You Doug!! I love getting to leave work early and loved being treated to an awesome day out! Merry Christmas!
December 6, 2015
It may seem like newer cars in an accident aren't as safe when you drive by and see them "crumpled" on the side of the road. But take a closer look at the middle of the car where the passengers are seated. New technology has assisted in the car frame crumpling for a purpose, to absorb energy that would have otherwise injured passengers. Click on the link below to find out more about "crumple" technology and other safety features that keep drivers safe.
https://www.travelers.com/resources/auto/safe-driving/how-crumple-zones-work.aspx
It may seem like newer cars in an accident aren't as safe when you drive by and see them "crumpled" on the side of the road. But take a closer look at the middle of the car where the passengers are seated. New technology has assisted in the car frame crumpling for a purpose, to absorb energy that would have otherwise injured passengers. Click on the link below to find out more about "crumple" technology and other safety features that keep drivers safe.
https://www.travelers.com/resources/auto/safe-driving/how-crumple-zones-work.aspx
December 3, 2015
It wasn't that long ago that people were using Key Maps to find locations which developed into printing off directions from Google and now, nearly everyone has a GPS or a smart phone with map technology. These tools can be helpful, but only if they work for you. See the article below for some aspects to think about when considering a GPS. And, as the article states, always set your destination ahead of time and obey traffic laws regardless of what the directions tell you.
https://www.travelers.com/resources/auto/safe-driving/5-tips-to-choose-a-gps.aspx
It wasn't that long ago that people were using Key Maps to find locations which developed into printing off directions from Google and now, nearly everyone has a GPS or a smart phone with map technology. These tools can be helpful, but only if they work for you. See the article below for some aspects to think about when considering a GPS. And, as the article states, always set your destination ahead of time and obey traffic laws regardless of what the directions tell you.
https://www.travelers.com/resources/auto/safe-driving/5-tips-to-choose-a-gps.aspx
November 26, 2015
Happy Thanksgiving to all of our clients! We appreciate all of you and helping you as needed. Thank you for your business and stay safe!
Happy Thanksgiving to all of our clients! We appreciate all of you and helping you as needed. Thank you for your business and stay safe!
November 25, 2015
When you have the option of picking out a vehicle for your teenaged driver, take the following considerations into mind. Their needs as a new driver are different than a more experienced and mature driver. And don't forget to call our office to add them on to your policy!
https://www.travelers.com/resources/auto/teen-driving/choosing-safe-cars-for-teens.aspx
When you have the option of picking out a vehicle for your teenaged driver, take the following considerations into mind. Their needs as a new driver are different than a more experienced and mature driver. And don't forget to call our office to add them on to your policy!
https://www.travelers.com/resources/auto/teen-driving/choosing-safe-cars-for-teens.aspx
November 24, 2015
When driving around large trucks, the three second rule posts about recently may not be enough. Both the truck and any drivers in front of or behind the truck need additional time for the truck driver to react and anyone behind them to avoid an accident. Click on the link below for a one minute video explaining this further.
https://www.travelers.com/resources/auto/travel/truck-zone-safety.aspx
When driving around large trucks, the three second rule posts about recently may not be enough. Both the truck and any drivers in front of or behind the truck need additional time for the truck driver to react and anyone behind them to avoid an accident. Click on the link below for a one minute video explaining this further.
https://www.travelers.com/resources/auto/travel/truck-zone-safety.aspx
November 20, 2015
The article below has a quick summary of several different automatic features being developed in newer cars. We have posted many articles about this before, this one focuses on different features and why they may be helpful. Above all, every driver needs to stay alert while driving, regardless of the amount of help they have.
https://www.travelers.com/resources/auto/safe-driving/car-safety-technology.aspx
The article below has a quick summary of several different automatic features being developed in newer cars. We have posted many articles about this before, this one focuses on different features and why they may be helpful. Above all, every driver needs to stay alert while driving, regardless of the amount of help they have.
https://www.travelers.com/resources/auto/safe-driving/car-safety-technology.aspx
November 19, 2015
As much as we wish they didn't, accidents happen. The link below was sent from Travelers as a guide for what to do in the event of an accident. We encourage our clients to look at it now, because the last thing you want to do is to be searching for this link at the scene!
https://www.travelers.com/claims/individuals/auto-insurance-claims.aspx
As much as we wish they didn't, accidents happen. The link below was sent from Travelers as a guide for what to do in the event of an accident. We encourage our clients to look at it now, because the last thing you want to do is to be searching for this link at the scene!
https://www.travelers.com/claims/individuals/auto-insurance-claims.aspx
November 12, 2015
Analysts all agree that giving a "three second" distance when driving is important for avoiding accidents and making good driving decisions. This article gives tips for how to determine the three second rule. Additionally, remember that no three second rule matters if you are driving with distractions.
https://www.travelers.com/prepare-prevent/auto/car-travel/three-second-rule.aspx
Analysts all agree that giving a "three second" distance when driving is important for avoiding accidents and making good driving decisions. This article gives tips for how to determine the three second rule. Additionally, remember that no three second rule matters if you are driving with distractions.
https://www.travelers.com/prepare-prevent/auto/car-travel/three-second-rule.aspx
November 10, 2015
From Hayde- Last week I attended the IIAT (Independent Insurance Agents of Texas) Young Professionals Summit. It was very interesting hearing different point of views on what is the "Ultimate Agency of the Future". The discussion focused on the "to do's" and "not to do's" to help build a better agency. I had a great time receiving insight from different agents and other professionals in the insurance industry.
From Hayde- Last week I attended the IIAT (Independent Insurance Agents of Texas) Young Professionals Summit. It was very interesting hearing different point of views on what is the "Ultimate Agency of the Future". The discussion focused on the "to do's" and "not to do's" to help build a better agency. I had a great time receiving insight from different agents and other professionals in the insurance industry.
November 6, 2015
Doug went to a MetLife training event this past week at The Palm Restaurant. The event was to introduce some of the features of MetLife annuities and how they can be structured to make sure both spouses are guaranteed some income.
Also present was Major League Baseball Hall of Fame Pitcher Roger Clemens and Television Sportscaster Randy McIlvoy as Emcee. Roger shared many stories about his early baseball career at Spring Woods, San Jacinto Jr College, and University of Texas. Then, of course, he reviewed his times with each of the major league teams he played with and his 7 Cy Young awards.
It was a great event and Roger was a great storyteller.
Doug went to a MetLife training event this past week at The Palm Restaurant. The event was to introduce some of the features of MetLife annuities and how they can be structured to make sure both spouses are guaranteed some income.
Also present was Major League Baseball Hall of Fame Pitcher Roger Clemens and Television Sportscaster Randy McIlvoy as Emcee. Roger shared many stories about his early baseball career at Spring Woods, San Jacinto Jr College, and University of Texas. Then, of course, he reviewed his times with each of the major league teams he played with and his 7 Cy Young awards.
It was a great event and Roger was a great storyteller.
November 5, 2015
From Alicia- Hayde and I attended the Young Professionals Sales and Leadership Summit at Lakeway Resort is Austin. This event was held by the Independent Insurance Agents of Texas. I was able to gain valuable insight from some of the industry's veterans.
We also had a great time teaming up with our peers to compete with one another, creating salsas and designing a promotional campaign to market our brand. Our team didn't win the competition, but we did get to eat a ton of delicious salsa!
From Alicia- Hayde and I attended the Young Professionals Sales and Leadership Summit at Lakeway Resort is Austin. This event was held by the Independent Insurance Agents of Texas. I was able to gain valuable insight from some of the industry's veterans.
We also had a great time teaming up with our peers to compete with one another, creating salsas and designing a promotional campaign to market our brand. Our team didn't win the competition, but we did get to eat a ton of delicious salsa!
November 3, 2015
It has not been that long since many in our area had to evacuate due to large storms. If you do not have an emergency kit, refer to the article and video linked below for suggested items. It is best to have one on hand and to recheck it on a regular basis.
https://www.travelers.com/prepare-prevent/mother-nature/emergency-preparedness/survival-kit.aspx
It has not been that long since many in our area had to evacuate due to large storms. If you do not have an emergency kit, refer to the article and video linked below for suggested items. It is best to have one on hand and to recheck it on a regular basis.
https://www.travelers.com/prepare-prevent/mother-nature/emergency-preparedness/survival-kit.aspx
November 1, 2015
Hurricane preparedness goes beyond stocking up on water bottles and pop tarts. Refer to the article below for ways to check several components of your home and property in the event that a hurricane is coming close to your area.
https://www.travelers.com/prepare-prevent/mother-nature/hurricane-preparedness/hurricane-preparation-tips.aspx
Hurricane preparedness goes beyond stocking up on water bottles and pop tarts. Refer to the article below for ways to check several components of your home and property in the event that a hurricane is coming close to your area.
https://www.travelers.com/prepare-prevent/mother-nature/hurricane-preparedness/hurricane-preparation-tips.aspx
October 30, 2015
Yesterday and today, Hayde Espinoza is attending the Young Professional Sales and Leadership Summit. This event is hosted by the Independent Insurance Agents of Texas (IIAT). Our agency is very active in IIAT events and much of our continuing education and training is through them due to the quality of programs they create each year. Further education means better quality for our customers. We hope Hayde had a good time and learned some new things for our agency.
Yesterday and today, Hayde Espinoza is attending the Young Professional Sales and Leadership Summit. This event is hosted by the Independent Insurance Agents of Texas (IIAT). Our agency is very active in IIAT events and much of our continuing education and training is through them due to the quality of programs they create each year. Further education means better quality for our customers. We hope Hayde had a good time and learned some new things for our agency.
October 29, 2015
This short quiz, linked below, covers a few basic driver's ed test questions. Take the quiz and see how you do. More importantly, refresh yourself on some of the rules of the road and apply them to become a safer and more defensive driver.
https://www.travelers.com/quiz/drivers-ed
This short quiz, linked below, covers a few basic driver's ed test questions. Take the quiz and see how you do. More importantly, refresh yourself on some of the rules of the road and apply them to become a safer and more defensive driver.
https://www.travelers.com/quiz/drivers-ed
October 25, 2015
Living in Texas, our area is no stranger to massive thunderstorms. This article contains helpful information for how to protect yourself during thunderstorms, both if you are able to seek shelter and if you are not, for varying reasons, including on the beach, in a boat, or other scenarios.
https://www.travelers.com/prepare-prevent/mother-nature/thunderstorm-safety/lightning-safety-outdoors.aspx
Living in Texas, our area is no stranger to massive thunderstorms. This article contains helpful information for how to protect yourself during thunderstorms, both if you are able to seek shelter and if you are not, for varying reasons, including on the beach, in a boat, or other scenarios.
https://www.travelers.com/prepare-prevent/mother-nature/thunderstorm-safety/lightning-safety-outdoors.aspx
October 24, 2015
We thought we were out of hurricane season here along the gulf coast, but it looks like we may get a little impact from a Pacific storm! That being said, the months where we are least likely to face a natural disaster are the best times to prepare for them. The link below has a few quick tips for how to prepare in advance.
https://www.travelers.com/prepare-prevent/mother-nature/emergency-preparedness/disaster-planning.aspx
We thought we were out of hurricane season here along the gulf coast, but it looks like we may get a little impact from a Pacific storm! That being said, the months where we are least likely to face a natural disaster are the best times to prepare for them. The link below has a few quick tips for how to prepare in advance.
https://www.travelers.com/prepare-prevent/mother-nature/emergency-preparedness/disaster-planning.aspx
October 19, 2015
This past Friday, our agency held a Lunch & Learn for all of our team members. With the ongoing changes of auto policies, we felt it was important for us to study and discuss some of these changes and how they affect our clients. We also reviewed several of our carriers New Business Homeowners Underwriting Guidelines, to review the common risks that are accepted, or not accepted by insurance companies.
This past Friday, our agency held a Lunch & Learn for all of our team members. With the ongoing changes of auto policies, we felt it was important for us to study and discuss some of these changes and how they affect our clients. We also reviewed several of our carriers New Business Homeowners Underwriting Guidelines, to review the common risks that are accepted, or not accepted by insurance companies.
October 17, 2015
The saying goes, "If you don't like the weather in Texas, just wait five minutes." This year has been proof of that with our erratic shift between flooding and longer periods with no rain. The article below details reasons why this may be occurring, insurance wise we should exercise extra caution in the areas prone to drought as they are at a higher risk for fire damage.
http://www.insurancejournal.com/news/southcentral/2015/09/23/382591.htm
The saying goes, "If you don't like the weather in Texas, just wait five minutes." This year has been proof of that with our erratic shift between flooding and longer periods with no rain. The article below details reasons why this may be occurring, insurance wise we should exercise extra caution in the areas prone to drought as they are at a higher risk for fire damage.
http://www.insurancejournal.com/news/southcentral/2015/09/23/382591.htm
October 16, 2015
Not all policies are created equal: Most Texas Auto Carriers used to typically cover non-owned vehicles (rented/borrowed) through liability coverage. However, lately we have noticed some changes in how they are covered with the introduction of updated policy forms.
Why does this matter? The state requires liability insurance so it is a safe bet that you are covered if this is where your non-owned coverage lies. That being said, if your carrier amends non-owned vehicles to be covered under Physical Damage and you do not carry Comprehensive/Collision, you might not have coverage where you expect it.
Please consult your agent to find out how your specific form responds for this coverage.
Not all policies are created equal: Most Texas Auto Carriers used to typically cover non-owned vehicles (rented/borrowed) through liability coverage. However, lately we have noticed some changes in how they are covered with the introduction of updated policy forms.
Why does this matter? The state requires liability insurance so it is a safe bet that you are covered if this is where your non-owned coverage lies. That being said, if your carrier amends non-owned vehicles to be covered under Physical Damage and you do not carry Comprehensive/Collision, you might not have coverage where you expect it.
Please consult your agent to find out how your specific form responds for this coverage.
October 13, 2015
Again, an article about perspective. According to the linked article, health insurance costs have risen at lower rates over the past few years. However, consumers don't see that because their upfront costs with deductibles is rising and the amount of consumers paying deductibles is larger than in years past. You can always call our office to discuss private health insurance plans and what they cover.
http://www.insurancejournal.com/news/national/2015/09/22/382429.htm
Again, an article about perspective. According to the linked article, health insurance costs have risen at lower rates over the past few years. However, consumers don't see that because their upfront costs with deductibles is rising and the amount of consumers paying deductibles is larger than in years past. You can always call our office to discuss private health insurance plans and what they cover.
http://www.insurancejournal.com/news/national/2015/09/22/382429.htm
October 4, 2015
The more we know about hurricanes, the better we will be able to predict where they may land and reduce collateral damage and save lives. Research projects via satellite, like the one detailed in the article below, could help give us more information as we move forward. While we want our clients to be covered in the event of a peril, more importantly, we want to avoid as much damage to property, personal effects, and lives as possible.
http://www.insurancejournal.com/news/national/2015/08/20/379094.htm
The more we know about hurricanes, the better we will be able to predict where they may land and reduce collateral damage and save lives. Research projects via satellite, like the one detailed in the article below, could help give us more information as we move forward. While we want our clients to be covered in the event of a peril, more importantly, we want to avoid as much damage to property, personal effects, and lives as possible.
http://www.insurancejournal.com/news/national/2015/08/20/379094.htm
September 30, 2015
Doug attended the Independent Agents of Texas Small Agency Conference for the 9th consecutive year.
The conference includes a session called Industry Update that covers what is going on with insurance in Texas. It also covers changes and laws passed by the Texas Legislature in the most current session. The companies have been profitable in the homeowners market for several years, so there may be some relief from the rate increases from the past several years.
Doug attended the Independent Agents of Texas Small Agency Conference for the 9th consecutive year.
The conference includes a session called Industry Update that covers what is going on with insurance in Texas. It also covers changes and laws passed by the Texas Legislature in the most current session. The companies have been profitable in the homeowners market for several years, so there may be some relief from the rate increases from the past several years.
September 29, 2015
This week, Doug attended the Small Agency Conference in San Marcos held by the Independent Insurance Agents of Texas, or IIAT. He enjoyed Peer to Peer Roundtable Group sessions while discussing what works best for each small agency. This conference also keeps agencies up to date on industry and regulatory updates, big changes to the National Flood Insurance Program, and the Affordable Healthcare Act. These were just a few of the various activities in the two day event.
This week, Doug attended the Small Agency Conference in San Marcos held by the Independent Insurance Agents of Texas, or IIAT. He enjoyed Peer to Peer Roundtable Group sessions while discussing what works best for each small agency. This conference also keeps agencies up to date on industry and regulatory updates, big changes to the National Flood Insurance Program, and the Affordable Healthcare Act. These were just a few of the various activities in the two day event.
September 27, 2015
Hurricane and storm recovery doesn't happen overnight. Galveston is still rebuilding from Hurricane Ike, 7 years later. The link below details some of the final steps in demolishing damaged homes and buildings.
http://www.insurancejournal.com/news/southcentral/2015/09/22/382303.htm
Hurricane and storm recovery doesn't happen overnight. Galveston is still rebuilding from Hurricane Ike, 7 years later. The link below details some of the final steps in demolishing damaged homes and buildings.
http://www.insurancejournal.com/news/southcentral/2015/09/22/382303.htm
September 25, 2015
Perception is always a key factor in many issues. We have reported on the growing trend of carmakers to include self driving and parking vehicles, but this article details hesitancy on the part of drivers to give up control of their car. The article further explains how confident drivers are in their own abilities vs the accuracy of self parking systems.
http://www.insurancejournal.com/news/national/2015/09/23/382422.htm
Perception is always a key factor in many issues. We have reported on the growing trend of carmakers to include self driving and parking vehicles, but this article details hesitancy on the part of drivers to give up control of their car. The article further explains how confident drivers are in their own abilities vs the accuracy of self parking systems.
http://www.insurancejournal.com/news/national/2015/09/23/382422.htm
September 23, 2015
A consulting firm in Michigan has studied the future of driving, city planning, and insurance as self driving cars become less of a movie concept and more of an actuality. Several points were made in the article below including many that save money across the board and increase safety on the roads.
http://www.insurancejournal.com/news/national/2012/08/15/259375.htm
A consulting firm in Michigan has studied the future of driving, city planning, and insurance as self driving cars become less of a movie concept and more of an actuality. Several points were made in the article below including many that save money across the board and increase safety on the roads.
http://www.insurancejournal.com/news/national/2012/08/15/259375.htm
September 20, 2015
It has been a slow hurricane season for the entire Atlantic, a welcome respite for the gulf coast after "regular" rain and flooding earlier this summer. The largest possible reason for the calmness is "shear, when winds blow at different speeds or directions at various altitudes." Read more about the overall season below. Of course, with no storms in the Gulf, this is the perfect time to check over your coverage and add more if needed, call our office if you have questions.
http://www.insurancejournal.com/news/national/2015/09/09/381120.htm
It has been a slow hurricane season for the entire Atlantic, a welcome respite for the gulf coast after "regular" rain and flooding earlier this summer. The largest possible reason for the calmness is "shear, when winds blow at different speeds or directions at various altitudes." Read more about the overall season below. Of course, with no storms in the Gulf, this is the perfect time to check over your coverage and add more if needed, call our office if you have questions.
http://www.insurancejournal.com/news/national/2015/09/09/381120.htm
From Hayde- Today is my two year anniversary working at Douglas B Johnson Insurance. To celebrate, Doug made lunch for us, we had short ribs, arugula salad, and pasta. It was awesome! I am very happy to say that I have enjoyed working with everyone these past two years and look forward to many more years to come.
September 16, 2015
As Pumpkin Spice Lattes and College Football surrounds the area, the Farmers' Almanac has some interesting predictions for this coming winter. The article below covers it's broader predictions for a few regions in the country and we are slated to be cold and wet. That's probably a pretty safe assumption!
http://www.insurancejournal.com/news/east/2015/08/25/379551.htm
As Pumpkin Spice Lattes and College Football surrounds the area, the Farmers' Almanac has some interesting predictions for this coming winter. The article below covers it's broader predictions for a few regions in the country and we are slated to be cold and wet. That's probably a pretty safe assumption!
http://www.insurancejournal.com/news/east/2015/08/25/379551.htm
September 12, 2015
Insurance fraud is a bad idea anyways, but attempting insurance fraud and assaulting the adjustor sent out to file your claim is an even worse idea. This article gives details about this specific case, but in general, it is beneficial to remember that insurance adjustors are "private investigators" and their job is to determine what happened in any incident.
http://www.insurancejournal.com/news/southcentral/2015/08/14/378616.htm
Insurance fraud is a bad idea anyways, but attempting insurance fraud and assaulting the adjustor sent out to file your claim is an even worse idea. This article gives details about this specific case, but in general, it is beneficial to remember that insurance adjustors are "private investigators" and their job is to determine what happened in any incident.
http://www.insurancejournal.com/news/southcentral/2015/08/14/378616.htm
September 9, 2015
The flooding from earlier this summer is already impacting insurance companies and government policies. The article details how FEMA is altering their flood plains in Central Texas to cover these areas. Please call our office to see where your property sits and to get details about flood insurance.
http://www.insurancejournal.com/news/southcentral/2015/08/24/379433.htm
The flooding from earlier this summer is already impacting insurance companies and government policies. The article details how FEMA is altering their flood plains in Central Texas to cover these areas. Please call our office to see where your property sits and to get details about flood insurance.
http://www.insurancejournal.com/news/southcentral/2015/08/24/379433.htm
September 8, 2015
Hayde shares some of her thoughts when preparing for her recent licensing test-
-Did you know that there are different types of Life Insurance? You have the option of selecting temporary coverage or permanent coverage depending on your needs. Whichever you select, at the end of the day you will have peace of mind knowing that, in the event of your passing, your beneficiaries will be taken care of financially. There are also Annuities that provide life benefits to yourself or whomever you choose to be the annuitant and you have the option to receive immediate or deferred benefits.
-Also, Health Insurance has a variety of coverage options. Health Insurance (Major Medical) protects you against the high costs of health care. One carrier, Blue Cross Blue Shield provides coverage through an HMO plan which gives you preventive care for a lower price. There are many HMO participating Doctors and Hospitals to give you the option to find one near you.
Hayde shares some of her thoughts when preparing for her recent licensing test-
-Did you know that there are different types of Life Insurance? You have the option of selecting temporary coverage or permanent coverage depending on your needs. Whichever you select, at the end of the day you will have peace of mind knowing that, in the event of your passing, your beneficiaries will be taken care of financially. There are also Annuities that provide life benefits to yourself or whomever you choose to be the annuitant and you have the option to receive immediate or deferred benefits.
-Also, Health Insurance has a variety of coverage options. Health Insurance (Major Medical) protects you against the high costs of health care. One carrier, Blue Cross Blue Shield provides coverage through an HMO plan which gives you preventive care for a lower price. There are many HMO participating Doctors and Hospitals to give you the option to find one near you.
September 5, 2015
Thursday, Alicia attended the Independent Insurance Agents of Texas (IIAT) continuing education class for Part 2 of the Personal Auto Policy. This was the final class and exam for her to obtain the professional credit of a Texas Independent Insurance Advisor (TIIA Designation). This designation denotes an advanced level of knowledge and expertise. She has now successfully completed all of the necessary courses and is waiting for her diploma to arrive!
Thursday, Alicia attended the Independent Insurance Agents of Texas (IIAT) continuing education class for Part 2 of the Personal Auto Policy. This was the final class and exam for her to obtain the professional credit of a Texas Independent Insurance Advisor (TIIA Designation). This designation denotes an advanced level of knowledge and expertise. She has now successfully completed all of the necessary courses and is waiting for her diploma to arrive!
September 3, 2015
From Hayde- These past couple of months I have been preparing myself to test for the Life & Health license. Thanks to Doug, I was able to attend a "Cram Class" last week. This class covers everything I studied to ensure I was ready for the big test. I am now very proud to say that I am not only licensed in Property and Casualty, but in Life and Health as well! Woohoo! :)
From Hayde- These past couple of months I have been preparing myself to test for the Life & Health license. Thanks to Doug, I was able to attend a "Cram Class" last week. This class covers everything I studied to ensure I was ready for the big test. I am now very proud to say that I am not only licensed in Property and Casualty, but in Life and Health as well! Woohoo! :)
September 1, 2015
A top university (Whoop!) in the area has developed a new type of guardrail that, while not preventing accidents, could minimize damages by keeping larger vehicles on the road instead of rolling into the median, from an overpass onto oncoming traffic, or over an embankment. Further details about more testing are discussed in the article below.
http://www.insurancejournal.com/news/southcentral/2015/08/24/379427.htm
A top university (Whoop!) in the area has developed a new type of guardrail that, while not preventing accidents, could minimize damages by keeping larger vehicles on the road instead of rolling into the median, from an overpass onto oncoming traffic, or over an embankment. Further details about more testing are discussed in the article below.
http://www.insurancejournal.com/news/southcentral/2015/08/24/379427.htm
August 23, 2015
Hayde recently attended a Flood class and shared some of what she learned-
· Anyone can be financially vulnerable to floods. In fact, Did you know that in Hurricane Allison 65% of flood losses reported were not in a flood zone? It is important to have Flood insurance because even if it not required federally, you are at risk. Remember Federal Disaster Assistance for flooding when available is only a loan that will have to be paid back with interest.
· A few inches of water from a flood can cause tens of thousands of dollars in damage.
· Did you know that your Homeowners or Renters policy does not provide coverage for Flood losses?
Hayde recently attended a Flood class and shared some of what she learned-
· Anyone can be financially vulnerable to floods. In fact, Did you know that in Hurricane Allison 65% of flood losses reported were not in a flood zone? It is important to have Flood insurance because even if it not required federally, you are at risk. Remember Federal Disaster Assistance for flooding when available is only a loan that will have to be paid back with interest.
· A few inches of water from a flood can cause tens of thousands of dollars in damage.
· Did you know that your Homeowners or Renters policy does not provide coverage for Flood losses?
August 20, 2015
It is easy to hide behind a quick tweet, instagram, or Facebook message, especially when we are frustrated by scenarios from businesses. The article below details the insurance aspects that go into libel, slander, or defamation claims in these situations that are becoming more frequent each day. While there could be coverage (call us for details on your policy) in some cases, most homeowners do NOT automatically include coverage for these exposures, and it is better to talk through concerns with a manager. Like the article says, “Don’t tweet it, Facebook it, Yelp it or say it if you don’t want to defend it in court.”
http://www.insurancejournal.com/blogs/academy-journal/2015/08/04/377316.htm
It is easy to hide behind a quick tweet, instagram, or Facebook message, especially when we are frustrated by scenarios from businesses. The article below details the insurance aspects that go into libel, slander, or defamation claims in these situations that are becoming more frequent each day. While there could be coverage (call us for details on your policy) in some cases, most homeowners do NOT automatically include coverage for these exposures, and it is better to talk through concerns with a manager. Like the article says, “Don’t tweet it, Facebook it, Yelp it or say it if you don’t want to defend it in court.”
http://www.insurancejournal.com/blogs/academy-journal/2015/08/04/377316.htm
August 15, 2015
This week Laura & Hayde had a very interesting class provided by ServePro about wood floors.
Did you know that there are multiple types of wood floors? We discussed Laminate Wood Flooring, Engineered Wood Flooring, and Hard Wood Flooring. Care for each of these involves-
1. Proper maintenance is required to make sure the floor does not get buckled, cupped or crowned.
2. If there is any type spill on the floor make sure you dry it on the spot.
3. Do not steam clean or wet mop. The best way to go is to dry mop or vacuum.
4. If you want to use any spot cleaner the best wood cleaner is Squeaky, Bruce or Dona found in Amazon.
If there ever is a water loss, the type of wood floor that will most likely survive a big loss would be hardwood flooring because it is solid. However, you will need a specialist to properly remove the water and dry the wood to prevent any damage.
Thanks for the great class ServePro and for the awesome BBQ!
This week Laura & Hayde had a very interesting class provided by ServePro about wood floors.
Did you know that there are multiple types of wood floors? We discussed Laminate Wood Flooring, Engineered Wood Flooring, and Hard Wood Flooring. Care for each of these involves-
1. Proper maintenance is required to make sure the floor does not get buckled, cupped or crowned.
2. If there is any type spill on the floor make sure you dry it on the spot.
3. Do not steam clean or wet mop. The best way to go is to dry mop or vacuum.
4. If you want to use any spot cleaner the best wood cleaner is Squeaky, Bruce or Dona found in Amazon.
If there ever is a water loss, the type of wood floor that will most likely survive a big loss would be hardwood flooring because it is solid. However, you will need a specialist to properly remove the water and dry the wood to prevent any damage.
Thanks for the great class ServePro and for the awesome BBQ!
August 14, 2015
From Laura- Today a colleague and I attended an Ethics Class presented by SERVPRO. SERVPRO was very accommodating and I really enjoyed their presentation.
Ethics class reminds you of how you are viewed by others and even how you view yourself. To have a high moral standard, integrity, trust, and honesty is a most important asset. Someone told me long ago, to always behave as if you are being recorded, to do the right thing, even when no one is watching. This is a great rule for your own well being and the well being of others you come in contact with. They call it the golden rule, I speak it as Scripture, "Do unto others as you want done unto you".
I also want to mention a thank you to SERVPRO for the breakfast tacos and Bar-B-Q lunch!
From Laura- Today a colleague and I attended an Ethics Class presented by SERVPRO. SERVPRO was very accommodating and I really enjoyed their presentation.
Ethics class reminds you of how you are viewed by others and even how you view yourself. To have a high moral standard, integrity, trust, and honesty is a most important asset. Someone told me long ago, to always behave as if you are being recorded, to do the right thing, even when no one is watching. This is a great rule for your own well being and the well being of others you come in contact with. They call it the golden rule, I speak it as Scripture, "Do unto others as you want done unto you".
I also want to mention a thank you to SERVPRO for the breakfast tacos and Bar-B-Q lunch!
August 9, 2015
Continued from Laura's Flood Class- We also learned about Flood amendments and revisions to single lots and entire subdivisions. While the original lot area may have been in a standard flood zone before construction, the ground is usually raised up with fill allowing for an amendment or revision. The single lot or entire subdivision will then have a new designation, LOMA (letter of map amendment) or LOMR (letter of map revision) respectively. Having these letters can allow a preferred flood policy to be written for a building in a standard flood zone.
Laura enjoyed learning and reviewing the large amount of information taught at this flood class. She is even more confident to be able to discuss these flood issues and details with our clients.
Continued from Laura's Flood Class- We also learned about Flood amendments and revisions to single lots and entire subdivisions. While the original lot area may have been in a standard flood zone before construction, the ground is usually raised up with fill allowing for an amendment or revision. The single lot or entire subdivision will then have a new designation, LOMA (letter of map amendment) or LOMR (letter of map revision) respectively. Having these letters can allow a preferred flood policy to be written for a building in a standard flood zone.
Laura enjoyed learning and reviewing the large amount of information taught at this flood class. She is even more confident to be able to discuss these flood issues and details with our clients.
August 8, 2015
On July 17th, Laura attended a National Flood Services class held by Delta General Agency. The class was on Elevation Certificates and The National Flood Insurance Program. She learned about the importance of the elevation certificate when determining the base flood level. Depending on how high or low the building is according to the base flood level will factor in to determining your rate.
On July 17th, Laura attended a National Flood Services class held by Delta General Agency. The class was on Elevation Certificates and The National Flood Insurance Program. She learned about the importance of the elevation certificate when determining the base flood level. Depending on how high or low the building is according to the base flood level will factor in to determining your rate.
August 5, 2015
In the following article, Insurance Journal details the risk of having your vehicle "hacked" as they become increasingly connected. The staged attempt accessed the vehicle through the entertainment system and then worked into the internal network. The issue is already being addressed by manufacturers, but it adds an interesting component to making vehicles, theft deterrence, and insurance needs.
http://www.insurancejournal.com/news/national/2015/07/22/375987.htm
In the following article, Insurance Journal details the risk of having your vehicle "hacked" as they become increasingly connected. The staged attempt accessed the vehicle through the entertainment system and then worked into the internal network. The issue is already being addressed by manufacturers, but it adds an interesting component to making vehicles, theft deterrence, and insurance needs.
http://www.insurancejournal.com/news/national/2015/07/22/375987.htm
August 2, 2015
Continued, we want to point out a couple of things about flood insurance policies in light of the claims we have had resulting from the May storms.
Another crucial difference with this type of flood policy is:
2) THE POLICY DOES NOT PAY FOR REPLACEMENT COST FOR YOUR CONTENTS.
If you live in the home the policy will pay for replacement cost on damage to the dwelling.
It will not pay replacement cost for your contents. The policy calls for “Actual Cash Value” (ACV) for contents. This means your belongings are depreciated based on the type of item, how old it is, and the general condition of the item.
Continued, we want to point out a couple of things about flood insurance policies in light of the claims we have had resulting from the May storms.
Another crucial difference with this type of flood policy is:
2) THE POLICY DOES NOT PAY FOR REPLACEMENT COST FOR YOUR CONTENTS.
If you live in the home the policy will pay for replacement cost on damage to the dwelling.
It will not pay replacement cost for your contents. The policy calls for “Actual Cash Value” (ACV) for contents. This means your belongings are depreciated based on the type of item, how old it is, and the general condition of the item.
July 30, 2015
We want to point out a couple of things about flood insurance policies in light of the claims we have had resulting from the May storms.
Day Two: The flood policy is NOT as comprehensive as your homeowners policy may be. The first important difference is:
1) THERE IS NO ADDITIONAL LIVING EXPENSE INCLUDED IN THE FLOOD POLICY.
Additional living expense on a homeowners policy covers the cost of living somewhere besides your residence if your home is damaged by a covered peril and not livable. There is no way to obtain this coverage on a flood policy.
Many of the people that have flood damage in the Meyerland area are still living in their homes even though there is major damage with sheetrock cut away.
We want to point out a couple of things about flood insurance policies in light of the claims we have had resulting from the May storms.
Day Two: The flood policy is NOT as comprehensive as your homeowners policy may be. The first important difference is:
1) THERE IS NO ADDITIONAL LIVING EXPENSE INCLUDED IN THE FLOOD POLICY.
Additional living expense on a homeowners policy covers the cost of living somewhere besides your residence if your home is damaged by a covered peril and not livable. There is no way to obtain this coverage on a flood policy.
Many of the people that have flood damage in the Meyerland area are still living in their homes even though there is major damage with sheetrock cut away.
July 28, 2015
We want to point out a couple of things about flood insurance policies in light of the claims we have had resulting from the May storms.
First, the flood policy that we sell is written by The Federal Emergency Management Agency, commonly known as FEMA, and The National Flood Insurance Program (NFIP). There are private companies that assist FEMA in selling and servicing the policies. These companies may place their brand on the policy paperwork, but the underwriter is FEMA and the federal government.
So the result is that all flood policies are the same.
We want to point out a couple of things about flood insurance policies in light of the claims we have had resulting from the May storms.
First, the flood policy that we sell is written by The Federal Emergency Management Agency, commonly known as FEMA, and The National Flood Insurance Program (NFIP). There are private companies that assist FEMA in selling and servicing the policies. These companies may place their brand on the policy paperwork, but the underwriter is FEMA and the federal government.
So the result is that all flood policies are the same.
July 26, 2015
Heavy areas of development paired with large numbers of thunderstorms lead to Texas being named as the top in Lightning Claims in the nation. The article below details additional reasons why and how much is paid out in claims.
http://www.insurancejournal.com/news/southcentral/2015/06/22/372567.htm
Heavy areas of development paired with large numbers of thunderstorms lead to Texas being named as the top in Lightning Claims in the nation. The article below details additional reasons why and how much is paid out in claims.
http://www.insurancejournal.com/news/southcentral/2015/06/22/372567.htm
July 24, 2015
As laws change from state to state, law enforcement and businesses are trying to stay ahead of the game to create Marijuana Breathalyzers to test whether a driver is under the influence when pulled over for traffic violations or at the scene of an accident. The issues being raised are detailed further in the article, but all testing products are still in the prototype phase. It goes without saying that all of our clients should be driving without any impairments.
http://www.insurancejournal.com/news/national/2015/07/14/374914.htm
As laws change from state to state, law enforcement and businesses are trying to stay ahead of the game to create Marijuana Breathalyzers to test whether a driver is under the influence when pulled over for traffic violations or at the scene of an accident. The issues being raised are detailed further in the article, but all testing products are still in the prototype phase. It goes without saying that all of our clients should be driving without any impairments.
http://www.insurancejournal.com/news/national/2015/07/14/374914.htm
July 21, 2015
We have heard some stories through the years, but this accident, where a 16 year old was at fault, is a pretty big one. Let's just hope this is the last time he tries passing a friend at high speeds again!
http://www.insurancejournal.com/news/southcentral/2015/06/29/373331.htm
We have heard some stories through the years, but this accident, where a 16 year old was at fault, is a pretty big one. Let's just hope this is the last time he tries passing a friend at high speeds again!
http://www.insurancejournal.com/news/southcentral/2015/06/29/373331.htm
July 17, 2015
We encourage all of our clients to check the insurance coverage provided by their credit cards on certain purchases. This article specifically details the coverage on renting a car and it varies greatly, even within the same card, depending on what bank issues the card and other circumstances. In terms of insurance, it is always best to have more information about your coverage than be in a situation where you need it and to find out you aren't covered!
http://www.insurancejournal.com/news/national/2015/07/07/374253.htm
We encourage all of our clients to check the insurance coverage provided by their credit cards on certain purchases. This article specifically details the coverage on renting a car and it varies greatly, even within the same card, depending on what bank issues the card and other circumstances. In terms of insurance, it is always best to have more information about your coverage than be in a situation where you need it and to find out you aren't covered!
http://www.insurancejournal.com/news/national/2015/07/07/374253.htm
July 12, 2015
This ruling could almost certainly get a little "messy" as it has been determined that the "National Flood Insurance Program does not cover the cost of cleaning up storm-generated debris not owned by the homeowners from their land". The article details further why the decision was made. As always, please call our office for more details about your Flood Policy or any other Policy to make sure your coverage is exactly what you need.
http://www.insurancejournal.com/news/east/2015/05/13/368069.htm
This ruling could almost certainly get a little "messy" as it has been determined that the "National Flood Insurance Program does not cover the cost of cleaning up storm-generated debris not owned by the homeowners from their land". The article details further why the decision was made. As always, please call our office for more details about your Flood Policy or any other Policy to make sure your coverage is exactly what you need.
http://www.insurancejournal.com/news/east/2015/05/13/368069.htm
July 11, 2015
Surprisingly, dog related accidents account for 1/3 of Home Insurance claims according to this article. Additionally, the monetary amount per claim is rising. The best way to avoid an issue with your canine companion is to ensure that all dogs are properly contained either at your home or on a walk.
http://www.insurancejournal.com/news/national/2015/05/15/368180.htm
Surprisingly, dog related accidents account for 1/3 of Home Insurance claims according to this article. Additionally, the monetary amount per claim is rising. The best way to avoid an issue with your canine companion is to ensure that all dogs are properly contained either at your home or on a walk.
http://www.insurancejournal.com/news/national/2015/05/15/368180.htm
July 8, 2015
Yesterday afternoon Doug attended Travelers Social and Trade Show. He met with 12 Travelers Representatives, including Personal Lines Underwriters, Commercial Surety Underwriters, and International Business Executives. Travelers hosted an excellent event, Doug had a great time hanging out with other agents over delicious snacks and drinks provided by Hotel Sorella!
Yesterday afternoon Doug attended Travelers Social and Trade Show. He met with 12 Travelers Representatives, including Personal Lines Underwriters, Commercial Surety Underwriters, and International Business Executives. Travelers hosted an excellent event, Doug had a great time hanging out with other agents over delicious snacks and drinks provided by Hotel Sorella!
July 4, 2015
We hope everyone enjoys their holiday weekend and stays safe. This is an interesting article that gives actual data on fireworks injuries. Be careful when using fireworks and be careful on the roads!
http://www.slate.com/blogs/moneybox/2014/07/03/fourth_of_july_fireworks_how_likely_are_you_to_end_up_in_the_er.html
We hope everyone enjoys their holiday weekend and stays safe. This is an interesting article that gives actual data on fireworks injuries. Be careful when using fireworks and be careful on the roads!
http://www.slate.com/blogs/moneybox/2014/07/03/fourth_of_july_fireworks_how_likely_are_you_to_end_up_in_the_er.html
July 2, 2015
In the end, you may not want to focus solely on the bottom line, eventually "discount" insurance companies will have to raise their premiums. Our company invests time to find you the best possible rate paired with individualized attention from our office. The article below details information about two companies who have boasted fast insurance and cheap prices for years.
http://www.insurancejournal.com/news/national/2015/05/04/366720.htm
In the end, you may not want to focus solely on the bottom line, eventually "discount" insurance companies will have to raise their premiums. Our company invests time to find you the best possible rate paired with individualized attention from our office. The article below details information about two companies who have boasted fast insurance and cheap prices for years.
http://www.insurancejournal.com/news/national/2015/05/04/366720.htm
June 29, 2015
The National Insurance Crime Bureau has ranked the top 10 cities where car theft is most likely to happen. Only one Texas city (Odessa) made the list, which helps our local rates. The article (below) may be something to look into when traveling by car to different points in the United States!
http://www.propertycasualty360.com/2015/06/29/the-10-cities-where-youre-most-likely-to-have-your?eNL=55915b61140ba0e324a49cb3&utm_source=PC360NewsFlash&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=162437047&page_all=1
The National Insurance Crime Bureau has ranked the top 10 cities where car theft is most likely to happen. Only one Texas city (Odessa) made the list, which helps our local rates. The article (below) may be something to look into when traveling by car to different points in the United States!
http://www.propertycasualty360.com/2015/06/29/the-10-cities-where-youre-most-likely-to-have-your?eNL=55915b61140ba0e324a49cb3&utm_source=PC360NewsFlash&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=162437047&page_all=1
June 20, 2015
Yesterday we celebrated two huge milestones: Laura's one year anniversary, and Hayde's birthday, (actual age not to be disclosed)! Doug ordered us all cheeseburgers from the one and only Pappas Bar B Q! We are proud of the work we do and the consistency we can maintain with consistent people to serve our clients.
Yesterday we celebrated two huge milestones: Laura's one year anniversary, and Hayde's birthday, (actual age not to be disclosed)! Doug ordered us all cheeseburgers from the one and only Pappas Bar B Q! We are proud of the work we do and the consistency we can maintain with consistent people to serve our clients.
June 19, 2015
An upbeat Friday article that tells the true story of an honest used car dealer, a kind act on the part of an insurance company, and an almost unheard of chance to recover a vehicle that was stolen 40 years ago.
http://www.insurancejournal.com/news/national/2015/06/09/370923.htm
An upbeat Friday article that tells the true story of an honest used car dealer, a kind act on the part of an insurance company, and an almost unheard of chance to recover a vehicle that was stolen 40 years ago.
http://www.insurancejournal.com/news/national/2015/06/09/370923.htm
June 15, 2015
Saying Good Evening with a few updates from the agency,
-Alicia Almendares has been with the agency for 7 years in June.
-Laura Ledet just reached her 1st year with our agency. She also worked with Doug for over 3 years when he was with Farmers.
-Hayde Espinoza is celebrating her birthday this month.
We will be having a luncheon on June 19th to celebrate these milestones. It is important to our agency to build a team and we feel we are better able to serve our clients when we can show consistency in our staff as well!
Saying Good Evening with a few updates from the agency,
-Alicia Almendares has been with the agency for 7 years in June.
-Laura Ledet just reached her 1st year with our agency. She also worked with Doug for over 3 years when he was with Farmers.
-Hayde Espinoza is celebrating her birthday this month.
We will be having a luncheon on June 19th to celebrate these milestones. It is important to our agency to build a team and we feel we are better able to serve our clients when we can show consistency in our staff as well!
June 14, 2015
Millennials are the most under insured generation and often do not see the point in being insured, this article details why they should have insurance and how it can appeal to them. We would disagree with the last point, that they should purchase online as detailed in posts before. A simple conversation with our Staff can produce a much better product for anyone searching for insurance than a click of a mouse.
http://www.propertycasualty360.com/2015/06/12/5-important-things-millennials-should-know-about-i?page=6&page_all=1
Millennials are the most under insured generation and often do not see the point in being insured, this article details why they should have insurance and how it can appeal to them. We would disagree with the last point, that they should purchase online as detailed in posts before. A simple conversation with our Staff can produce a much better product for anyone searching for insurance than a click of a mouse.
http://www.propertycasualty360.com/2015/06/12/5-important-things-millennials-should-know-about-i?page=6&page_all=1
June 13, 2015
Colton's Second Insight-
The greatest lesson I've learned in Insurance is that I could have just as easily been a lawyer. Between the industry language, the textbooks covering course material, the ever-changing rules and regulations, the individual ins and outs of each company and the never ending calls from clients; I think I could have done less work going to law school to maintain the same amount of knowledge!
Colton's Second Insight-
The greatest lesson I've learned in Insurance is that I could have just as easily been a lawyer. Between the industry language, the textbooks covering course material, the ever-changing rules and regulations, the individual ins and outs of each company and the never ending calls from clients; I think I could have done less work going to law school to maintain the same amount of knowledge!
June 10, 2015
Colton shares his (humorous) insight-
The biggest surprise that I encountered since getting into the insurance industry is how much insurance professionals LOVE insurance. You'd think you were talking about cupcakes the way they get excited about risks and rating. It's humorous watching someone visibly excited about the thing that your average homeowner dreads.
Colton shares his (humorous) insight-
The biggest surprise that I encountered since getting into the insurance industry is how much insurance professionals LOVE insurance. You'd think you were talking about cupcakes the way they get excited about risks and rating. It's humorous watching someone visibly excited about the thing that your average homeowner dreads.
June 7, 2015
Laura's second insight-
I am surprised at the levels of competition between insurance companies and the rate variations for basic coverages. We all sell the same products, however the rating factors fluctuate drastically. In this industry, customer service has to be on spot in order to keep your ever shopping clients in this market of competitive companies.
Laura's second insight-
I am surprised at the levels of competition between insurance companies and the rate variations for basic coverages. We all sell the same products, however the rating factors fluctuate drastically. In this industry, customer service has to be on spot in order to keep your ever shopping clients in this market of competitive companies.
June 4, 2015
Insight from Laura into the "Insurance World"-
Selling insurance is not just selling a policy (auto insurance or home insurance). You really have to know your stuff! There are many details that have to be addressed, underwriting risks, and coverages to best suit the individual. Clients are handing over their money for an insurance policy and you need to be sure that the insureds and the insurance companies are both getting what they expect to receive.
Insight from Laura into the "Insurance World"-
Selling insurance is not just selling a policy (auto insurance or home insurance). You really have to know your stuff! There are many details that have to be addressed, underwriting risks, and coverages to best suit the individual. Clients are handing over their money for an insurance policy and you need to be sure that the insureds and the insurance companies are both getting what they expect to receive.
June 2, 2015
If you are looking into homeowners or renters insurance, you may want to read this article. It covers several aspects of insurance you should keep in mind as you look into policies. Call our offices for more information on what type of coverage you need.
http://www.insurance.com/home-and-renters-insurance.aspx
If you are looking into homeowners or renters insurance, you may want to read this article. It covers several aspects of insurance you should keep in mind as you look into policies. Call our offices for more information on what type of coverage you need.
http://www.insurance.com/home-and-renters-insurance.aspx
May 29, 2015
Julie's second "surprise"- How expensive many auto claims are now.
Frequently, we all assume that a "fender bender" will just be $100 when in fact they can be $3,000 or more! Generally, the very electronic equipment that makes some cars safer to drive, will require the entire fender to be replaced. There does not seem to be such a thing as a small fender bender any more!
Julie's second "surprise"- How expensive many auto claims are now.
Frequently, we all assume that a "fender bender" will just be $100 when in fact they can be $3,000 or more! Generally, the very electronic equipment that makes some cars safer to drive, will require the entire fender to be replaced. There does not seem to be such a thing as a small fender bender any more!
May 27, 2015
What has Julie been surprised by?
How much more complex auto insurance is than many of the TV commercials portray it-
With Auto insurance, a specific premium and payment amount is determined by: Credit Score, MVR, accident history, any lapses in coverage, specific vehicle, location, any youthful drivers, prior limits of coverage, companion lines, etc. These factors are not always self evident.
What has Julie been surprised by?
How much more complex auto insurance is than many of the TV commercials portray it-
With Auto insurance, a specific premium and payment amount is determined by: Credit Score, MVR, accident history, any lapses in coverage, specific vehicle, location, any youthful drivers, prior limits of coverage, companion lines, etc. These factors are not always self evident.
May 24, 2015
Minimum liability insurance seems great when working on a budget, however, if you were in an accident, would you be able to cover everything that your insurance wasn't set up to pay for? Read through this article, then give us a call to make sure that your policy fully meets your needs.
http://www.propertycasualty360.com/2015/03/16/10-things-drivers-have-to-pay-for-when-they-only-h?t=personal&page_all=1
Minimum liability insurance seems great when working on a budget, however, if you were in an accident, would you be able to cover everything that your insurance wasn't set up to pay for? Read through this article, then give us a call to make sure that your policy fully meets your needs.
http://www.propertycasualty360.com/2015/03/16/10-things-drivers-have-to-pay-for-when-they-only-h?t=personal&page_all=1
May 17, 2015
We have posted about home inventories before, but this article is great at explaining what you need and why. It also discusses the importance of looking at your policy to see what gaps you may have in your coverage. If you need a special policy to cover anything specific, please call us. In the mean time, pull out your phones and get going on your inventory before it is too late!
http://www.propertycasualty360.com/2015/03/23/the-11-rules-every-homeowner-needs-to-follow-when?t=personal&page_all=1
We have posted about home inventories before, but this article is great at explaining what you need and why. It also discusses the importance of looking at your policy to see what gaps you may have in your coverage. If you need a special policy to cover anything specific, please call us. In the mean time, pull out your phones and get going on your inventory before it is too late!
http://www.propertycasualty360.com/2015/03/23/the-11-rules-every-homeowner-needs-to-follow-when?t=personal&page_all=1
May 14, 2015
Are you guilty of any of these multitasking while driving behaviors? Curling eyelashes? Playing guitar? Reading a book? The following article lists many of these, unfortunately, common behaviors. Please remember that the more distractions in the car mean an increased likelihood of accidents.
http://www.propertycasualty360.com/2015/03/27/they-did-what-distracted-driving-survey-reveals-wi?t=personal&page_all=1
Are you guilty of any of these multitasking while driving behaviors? Curling eyelashes? Playing guitar? Reading a book? The following article lists many of these, unfortunately, common behaviors. Please remember that the more distractions in the car mean an increased likelihood of accidents.
http://www.propertycasualty360.com/2015/03/27/they-did-what-distracted-driving-survey-reveals-wi?t=personal&page_all=1
May 10, 2015
There are many issues to consider when purchasing a new home, including how much insurance will cost. Factors like location, age, and what the home will be used for can all make insuring a home difficult or costly. This article goes into further detail about types of home that are a challenge for insurance companies and why.
http://www.propertycasualty360.com/2015/04/07/the-7-types-of-homes-that-are-hard-to-insure?t=personal&page_all=1
There are many issues to consider when purchasing a new home, including how much insurance will cost. Factors like location, age, and what the home will be used for can all make insuring a home difficult or costly. This article goes into further detail about types of home that are a challenge for insurance companies and why.
http://www.propertycasualty360.com/2015/04/07/the-7-types-of-homes-that-are-hard-to-insure?t=personal&page_all=1
May 8, 2015
There are many different components to your Automobile Insurance Policy, including coverage for Uninsured motorists. Do you have coverage for both your vehicle and in the instance of injuries? This article describes the differences, call us to find out more about your coverage.
http://www.propertycasualty360.com/2015/04/14/does-uninsured-motorist-coverage-cover-the-car-or?t=personal
There are many different components to your Automobile Insurance Policy, including coverage for Uninsured motorists. Do you have coverage for both your vehicle and in the instance of injuries? This article describes the differences, call us to find out more about your coverage.
http://www.propertycasualty360.com/2015/04/14/does-uninsured-motorist-coverage-cover-the-car-or?t=personal
May 6, 2015
Did you know that in Texas your license could be suspended for vandalism or doing graffiti? Or for assembling an amusement park ride while intoxicated? Check out the list in the article below to see all of the non-driving offenses that put your license at risk. Most of them make sense, but some of them are interesting to discover.
http://www.insurance.com/auto-insurance/auto-insurance-basics/reasons-for-drivers-license-suspension.html
Did you know that in Texas your license could be suspended for vandalism or doing graffiti? Or for assembling an amusement park ride while intoxicated? Check out the list in the article below to see all of the non-driving offenses that put your license at risk. Most of them make sense, but some of them are interesting to discover.
http://www.insurance.com/auto-insurance/auto-insurance-basics/reasons-for-drivers-license-suspension.html
May 2, 2015
Today, after posting the article on the most expensive vehicles to insure, we have one detailing the least expensive vehicles to insure in 2015, according to Insure.com. Most of these are family vehicles which may lead to a better mindset of people driving with "special cargo" on board. These ratings were based on number of claims and cost for repair.
http://www.propertycasualty360.com/2015/04/03/the-10-least-expensive-2015-model-year-cars-to-ins?eNL=551ed6d4140ba0541ee329c5&utm_source=PC360DailyeNews&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637296&page_all=1
Today, after posting the article on the most expensive vehicles to insure, we have one detailing the least expensive vehicles to insure in 2015, according to Insure.com. Most of these are family vehicles which may lead to a better mindset of people driving with "special cargo" on board. These ratings were based on number of claims and cost for repair.
http://www.propertycasualty360.com/2015/04/03/the-10-least-expensive-2015-model-year-cars-to-ins?eNL=551ed6d4140ba0541ee329c5&utm_source=PC360DailyeNews&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637296&page_all=1
April 30, 2015
Considering a new vehicle? Today we have an article on the most expensive vehicles to insure in 2015, according to Insure.com. Not surprisingly, most of the cars are high performance vehicles from other countries making them more likely to have claims and more difficult to repair. This isn't to say we discourage anyone from purchasing one of these cars, just make sure you factor the cost of insurance into your budget! And drive safely in any car!
http://www.propertycasualty360.com/2015/04/02/here-are-the-10-most-expensive-2015-model-year-car?page_all=1
Considering a new vehicle? Today we have an article on the most expensive vehicles to insure in 2015, according to Insure.com. Not surprisingly, most of the cars are high performance vehicles from other countries making them more likely to have claims and more difficult to repair. This isn't to say we discourage anyone from purchasing one of these cars, just make sure you factor the cost of insurance into your budget! And drive safely in any car!
http://www.propertycasualty360.com/2015/04/02/here-are-the-10-most-expensive-2015-model-year-car?page_all=1
April 27, 2015
Fully automated vehicles used to refer to automatic wipers, windows, and climate control, but technology is suggesting that could also apply to driving systems as well in the next 20-30 years. While this technology may not fully take over, there are people who enjoy driving, more car manufactures are testing out cars that can drive themselves in certain situations. The issues in creating these types of cars and what that means for insurance are detailed in the article.
http://www.propertycasualty360.com/2015/04/07/look-ma-no-hands-self-driving-vehicles-and-insuran?eNL=55269c19140ba00e075e1a4b&utm_source=AgentBrokerInsider&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637298&page=3&page_all=1
Fully automated vehicles used to refer to automatic wipers, windows, and climate control, but technology is suggesting that could also apply to driving systems as well in the next 20-30 years. While this technology may not fully take over, there are people who enjoy driving, more car manufactures are testing out cars that can drive themselves in certain situations. The issues in creating these types of cars and what that means for insurance are detailed in the article.
http://www.propertycasualty360.com/2015/04/07/look-ma-no-hands-self-driving-vehicles-and-insuran?eNL=55269c19140ba00e075e1a4b&utm_source=AgentBrokerInsider&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637298&page=3&page_all=1
April 20, 2015
It would be exceptionally rare if your small business never made a claim, even a small one. The article below details the most common claims for small businesses and the costliest claims. It is interesting to see the two side by side and to compare claims on each list.
http://www.insurancejournal.com/news/national/2015/04/09/363801.htm
It would be exceptionally rare if your small business never made a claim, even a small one. The article below details the most common claims for small businesses and the costliest claims. It is interesting to see the two side by side and to compare claims on each list.
http://www.insurancejournal.com/news/national/2015/04/09/363801.htm
April 13, 2015
Do you drive a Honda Pilot or Toyota Sequoia? If so, your vehicles were included in a ranking on the 10 lowest rates of driver death. The study is from 2011, it takes a while to compile all of that data, but also cites that the risk of dying has been reduced by 1/3 in a newer vehicle as well. Check out the full list in the article below.
http://www.propertycasualty360.com/2015/03/03/safety-first-here-are-the-10-vehicles-with-the-low?eNL=54f61638160ba009408b45a4&utm_source=PC360DailyeNews&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637296&page_all=1
Do you drive a Honda Pilot or Toyota Sequoia? If so, your vehicles were included in a ranking on the 10 lowest rates of driver death. The study is from 2011, it takes a while to compile all of that data, but also cites that the risk of dying has been reduced by 1/3 in a newer vehicle as well. Check out the full list in the article below.
http://www.propertycasualty360.com/2015/03/03/safety-first-here-are-the-10-vehicles-with-the-low?eNL=54f61638160ba009408b45a4&utm_source=PC360DailyeNews&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637296&page_all=1
April 8, 2015
Because many claims occur during less common weather, we thought this article was interesting in "busting" weather related myths. Some of these weather issues directly effect us here in the gulf coast area as well.
http://www.propertycasualty360.com/2015/03/05/weather-mythbusters-7-weather-myths-that-you-shoul?eNL=54f8b8b1140ba0a539836f83&utm_source=PC360DailyeNews&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637296&page_all=1
Because many claims occur during less common weather, we thought this article was interesting in "busting" weather related myths. Some of these weather issues directly effect us here in the gulf coast area as well.
http://www.propertycasualty360.com/2015/03/05/weather-mythbusters-7-weather-myths-that-you-shoul?eNL=54f8b8b1140ba0a539836f83&utm_source=PC360DailyeNews&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637296&page_all=1
April 6, 2015
There are several insurance aspects to consider when undertaking a home remodel. It is always a good idea to contact your agent to discuss what coverage you already have and additional coverage you may want to temporarily consider. Further, when looking at contractors, always read up on the insurance they carry to help protect you as their consumer as well. The article gives several examples of issues to keep in mind.
http://www.propertycasualty360.com/2015/03/17/home-remodeling-time-9-things-to-know-about-insura?eNL=55104ddd140ba04016d26065&utm_source=SpecialtyMarketsInsight&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637300&page_all=1
There are several insurance aspects to consider when undertaking a home remodel. It is always a good idea to contact your agent to discuss what coverage you already have and additional coverage you may want to temporarily consider. Further, when looking at contractors, always read up on the insurance they carry to help protect you as their consumer as well. The article gives several examples of issues to keep in mind.
http://www.propertycasualty360.com/2015/03/17/home-remodeling-time-9-things-to-know-about-insura?eNL=55104ddd140ba04016d26065&utm_source=SpecialtyMarketsInsight&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637300&page_all=1
April 2, 2015
This is an extensive article detailing how classic and antique cars are valued and what insurance coverage you should seek out based on that estimate. Many factors go into assessing the value of a vehicle that is 10 or more years old including type, condition, how the car is used, and overall care of the car. Please call us for more information on insuring your classic car.
http://www.propertycasualty360.com/2015/03/11/so-whats-it-worth-the-4-rules-for-insuring-classic?eNL=55104ddd140ba04016d26065&utm_source=SpecialtyMarketsInsight&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637300&t=es-specialty&page=5&page_all=1
This is an extensive article detailing how classic and antique cars are valued and what insurance coverage you should seek out based on that estimate. Many factors go into assessing the value of a vehicle that is 10 or more years old including type, condition, how the car is used, and overall care of the car. Please call us for more information on insuring your classic car.
http://www.propertycasualty360.com/2015/03/11/so-whats-it-worth-the-4-rules-for-insuring-classic?eNL=55104ddd140ba04016d26065&utm_source=SpecialtyMarketsInsight&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637300&t=es-specialty&page=5&page_all=1
March 30, 2015
We remind our clients on a regular basis to strongly consider Flood Insurance. Flooding situations are not included under most Homeowner's policies. Please contact us for more information.
http://www.propertycasualty360.com/2015/03/20/do-i-need-flood-insurance?eNL=5511985d150ba00e4d8b458e&utm_source=RiskManagementReport&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637299
We remind our clients on a regular basis to strongly consider Flood Insurance. Flooding situations are not included under most Homeowner's policies. Please contact us for more information.
http://www.propertycasualty360.com/2015/03/20/do-i-need-flood-insurance?eNL=5511985d150ba00e4d8b458e&utm_source=RiskManagementReport&utm_medium=eNL&utm_campaign=PC360_eNLs&_LID=173637299
March 27, 2015
Just for the record, you cannot have an accident, buy insurance from the scene of the accident, and then claim the accident occurred later. This article refers to a man in Pennsylvania who is on trial for doing just that and apparently, it's on the rise in Maryland as well.
http://www.insurancejournal.com/…/east/2015/03/06/359700.htm
Just for the record, you cannot have an accident, buy insurance from the scene of the accident, and then claim the accident occurred later. This article refers to a man in Pennsylvania who is on trial for doing just that and apparently, it's on the rise in Maryland as well.
http://www.insurancejournal.com/…/east/2015/03/06/359700.htm
March 25, 2015
While we may not provide insurance on the Millennium Falcon or the hyperdrive that always fails, this is an interesting article about insurance companies for movie productions and the limits they place on valuable and irreplaceable actors!
http://m.ign.com/articles/2015/03/07/experts-claim-movie-insurers-likely-to-ground-pilot-harrison-ford-following-plane-crash
While we may not provide insurance on the Millennium Falcon or the hyperdrive that always fails, this is an interesting article about insurance companies for movie productions and the limits they place on valuable and irreplaceable actors!
http://m.ign.com/articles/2015/03/07/experts-claim-movie-insurers-likely-to-ground-pilot-harrison-ford-following-plane-crash
March 21, 2015
Continuing with profiles on each of our employees- Hayde has 5+ years of customer service experience. She has been with our agency over a year and is licensed in Property and Casualty Insurance. She is fluent in English and Spanish which provides our Spanish speaking clientele a more thorough experience. Hayde has recently been working on continuing education classes for Certificates of Insurance and is studying to become licensed in Life and in Health Insurance. She is very excited and looking forward to what lies ahead of her in the insurance industry with us.
Continuing with profiles on each of our employees- Hayde has 5+ years of customer service experience. She has been with our agency over a year and is licensed in Property and Casualty Insurance. She is fluent in English and Spanish which provides our Spanish speaking clientele a more thorough experience. Hayde has recently been working on continuing education classes for Certificates of Insurance and is studying to become licensed in Life and in Health Insurance. She is very excited and looking forward to what lies ahead of her in the insurance industry with us.
March 20, 2015
Life Insurance should be the foundation of your financial security plan. The longer you wait, the more expensive it will be. We all procrastinate when it comes to dealing with uncomfortable subjects like death and declining health. If you put if off, you may never get it and unexpected situations may prevent you from being unable to purchase at all. Call us today for Life Insurance Proposals.
Life Insurance should be the foundation of your financial security plan. The longer you wait, the more expensive it will be. We all procrastinate when it comes to dealing with uncomfortable subjects like death and declining health. If you put if off, you may never get it and unexpected situations may prevent you from being unable to purchase at all. Call us today for Life Insurance Proposals.
March 18, 2015
Disability Income Protection- While you may routinely protect your home and car with insurance - you may not have thought about protecting your income, that which might be your greatest asset.
Estimate the value of your earning power by multiplying your annual income by the number of years that you have left until you reach age 65. A serious sickness or accident can affect your quality of life and your plans for the future. Do not wait for an accident or sickness to occur to review your income protection! Call today to get your Disability Income proposal.
Disability Income Protection- While you may routinely protect your home and car with insurance - you may not have thought about protecting your income, that which might be your greatest asset.
Estimate the value of your earning power by multiplying your annual income by the number of years that you have left until you reach age 65. A serious sickness or accident can affect your quality of life and your plans for the future. Do not wait for an accident or sickness to occur to review your income protection! Call today to get your Disability Income proposal.
March 15, 2015
http://www.insurancejournal.com/…/sou…/2015/02/22/358301.htm
Coastal Texans may lose their exemption that allows them to be covered for windstorm insurance coverage with a deadline looming and the extension bill facing resistance in the legislature. The concern is whether homes should pass new inspections or not in order to be covered. Obviously homes along the coast are at a larger risk for windstorm related claims and this article explains more about that.
http://www.insurancejournal.com/…/sou…/2015/02/22/358301.htm
Coastal Texans may lose their exemption that allows them to be covered for windstorm insurance coverage with a deadline looming and the extension bill facing resistance in the legislature. The concern is whether homes should pass new inspections or not in order to be covered. Obviously homes along the coast are at a larger risk for windstorm related claims and this article explains more about that.
March 14, 2015
http://www.insurancejournal.com/…/sou…/2015/02/23/358412.htm
Whether it be from cracking or natural shifts in the earth, there has been an increase in earthquake activity in several Midwest states. While this applies to Oklahoma, the expansion of earthquake insurance may filter down into Northern Texas areas as well. The cause of the increased earthquake activity still remains to be understood.
http://www.insurancejournal.com/…/sou…/2015/02/23/358412.htm
Whether it be from cracking or natural shifts in the earth, there has been an increase in earthquake activity in several Midwest states. While this applies to Oklahoma, the expansion of earthquake insurance may filter down into Northern Texas areas as well. The cause of the increased earthquake activity still remains to be understood.
March 11, 2015
http://www.insurancejournal.com/…/sou…/2015/02/26/358782.htm
This is not the first article we have posted about proposed bills to restrict roofing contractors. There are many opportunities for fraud in regards to roofing claims and without some protections in place, both the insurance company and homeowner could be hit by dishonest practices.This article expands further on the issues surrounding Roofing contractors, Insurance concerns, and how it effects Clients.
http://www.insurancejournal.com/…/sou…/2015/02/26/358782.htm
This is not the first article we have posted about proposed bills to restrict roofing contractors. There are many opportunities for fraud in regards to roofing claims and without some protections in place, both the insurance company and homeowner could be hit by dishonest practices.This article expands further on the issues surrounding Roofing contractors, Insurance concerns, and how it effects Clients.
March 8, 2015
One of the issues that Doug and Colton discussed with various State Legislators in the Capital was Named Driver Insurance policies. A Named Driver policy covers only the persons listed on the ID Card, versus a conventional policy that generally covers all household drivers not otherwise excluded. We met with two Representatives who have both authored proposed bills to either eliminate or alter the way these policies are structured. They said their biggest hurdle has been the inability to find a Senator to carry the bill, but that they will continue to fight for this important issue.
One of the issues that Doug and Colton discussed with various State Legislators in the Capital was Named Driver Insurance policies. A Named Driver policy covers only the persons listed on the ID Card, versus a conventional policy that generally covers all household drivers not otherwise excluded. We met with two Representatives who have both authored proposed bills to either eliminate or alter the way these policies are structured. They said their biggest hurdle has been the inability to find a Senator to carry the bill, but that they will continue to fight for this important issue.
March 6, 2015
On March 4th, Doug and Colton attended the IIAT's "Big I Legislative Day" in Austin, Texas. The purpose of the event was to meet with State Legislators in the capital to discuss insurance issues currently being considered in this legislative session as well as any other issues Independent Agents would like to see addressed. After viewing several associations be honored in the House Gallery and giving us time to drop in to a few Representative's offices, IIAT held a BBQ luncheon at their headquarters across the street where legislators were invited to attend. By the end of the day Doug and Colton were able to meet with 2 State Representatives, 2 Representative aides and 2 Senate aides to discuss issues where we'd like to see change.
On March 4th, Doug and Colton attended the IIAT's "Big I Legislative Day" in Austin, Texas. The purpose of the event was to meet with State Legislators in the capital to discuss insurance issues currently being considered in this legislative session as well as any other issues Independent Agents would like to see addressed. After viewing several associations be honored in the House Gallery and giving us time to drop in to a few Representative's offices, IIAT held a BBQ luncheon at their headquarters across the street where legislators were invited to attend. By the end of the day Doug and Colton were able to meet with 2 State Representatives, 2 Representative aides and 2 Senate aides to discuss issues where we'd like to see change.
March 1, 2015
http://www.insurancejournal.com/news/southcentral/2015/02/05/356710.htm
15 Families in Texas are pushing for a texting while driving ban for the state. In 2013, approximately 1 out of 9 auto related fatalities when the driver was distracted, was due to cell phone usage. Opponents to the measure argue that while decreasing distractions to drivers is always beneficial, laws like these do not usually decrease automobile accidents.
http://www.insurancejournal.com/news/southcentral/2015/02/05/356710.htm
15 Families in Texas are pushing for a texting while driving ban for the state. In 2013, approximately 1 out of 9 auto related fatalities when the driver was distracted, was due to cell phone usage. Opponents to the measure argue that while decreasing distractions to drivers is always beneficial, laws like these do not usually decrease automobile accidents.
February 21, 2015
http://www.insurancejournal.com/news/southcentral/2015/02/03/356251.htm
Over 6 million homeowners policies exist in the state of Texas. Those homeowners face a multitude of potential claims, and with it, a multitude of potential complaints about how their claims are handled. For the fifth year in a row, complaints have decreased!
http://www.insurancejournal.com/news/southcentral/2015/02/03/356251.htm
Over 6 million homeowners policies exist in the state of Texas. Those homeowners face a multitude of potential claims, and with it, a multitude of potential complaints about how their claims are handled. For the fifth year in a row, complaints have decreased!
February 10, 2015
Laura went to a Commercial Property Exposures Insurance class offered by Independent Insurance Agents of Texas and took away the following:
*I learned that an annual review/appraisal should be done by commercial property owners and business owners due to Betterments and Improvements that may have increased the value of their property. This would assure that the insured and insurance company properly insure the value of the building thus avoiding problems with coinsurance that could appear at the time of a loss.
Coinsurance is when you do not obtain the proper amount of insurance for your property and will then share the loss with the insurance company. You are a Coinsurer.
*Property/Stock that is stored on the insured's property within 100 ft, in the open is covered. However, if the property is in a UNINSURED building (storage shed within 100 ft) No coverage.
Also I learned when a Tenant leases a space from an insured and installs improvements like wood flooring, stained glass inserts, granite countertops, etc., both the Tenant and the Owner would need to cover these Betterments. The tenant insures through his Business Personal Property policy and the property owner through the total Building Limit on his policy in order to avoid coinsurance at the time of a loss.
Laura went to a Commercial Property Exposures Insurance class offered by Independent Insurance Agents of Texas and took away the following:
*I learned that an annual review/appraisal should be done by commercial property owners and business owners due to Betterments and Improvements that may have increased the value of their property. This would assure that the insured and insurance company properly insure the value of the building thus avoiding problems with coinsurance that could appear at the time of a loss.
Coinsurance is when you do not obtain the proper amount of insurance for your property and will then share the loss with the insurance company. You are a Coinsurer.
*Property/Stock that is stored on the insured's property within 100 ft, in the open is covered. However, if the property is in a UNINSURED building (storage shed within 100 ft) No coverage.
Also I learned when a Tenant leases a space from an insured and installs improvements like wood flooring, stained glass inserts, granite countertops, etc., both the Tenant and the Owner would need to cover these Betterments. The tenant insures through his Business Personal Property policy and the property owner through the total Building Limit on his policy in order to avoid coinsurance at the time of a loss.
February 2, 2015
http://www.insurancejournal.com/news/southcentral/2014/08/04/336687.htm
A McDonald's in Bryan/College Station lost a court case against two families who cited multiple dangerous situations taking place at the restaurant location and McDonald's refusal to address the security issues. The money awarded to the families of the two fatalities were both for different reasons and worth the read.
http://www.insurancejournal.com/news/southcentral/2014/08/04/336687.htm
A McDonald's in Bryan/College Station lost a court case against two families who cited multiple dangerous situations taking place at the restaurant location and McDonald's refusal to address the security issues. The money awarded to the families of the two fatalities were both for different reasons and worth the read.
January 25, 2015
http://www.insurancejournal.com/news/southcentral/2014/01/27/318429.htm
A proposed bill in the Oklahoma Senate would allow police officers to electronically send traffic citations to offenders rather than approaching the vehicle and manually writing the violation. This measure is being proposed to help protect officers who face risks when writing tickets, but is being looked at seriously to examine issues on both sides of the bill.
http://www.insurancejournal.com/news/southcentral/2014/01/27/318429.htm
A proposed bill in the Oklahoma Senate would allow police officers to electronically send traffic citations to offenders rather than approaching the vehicle and manually writing the violation. This measure is being proposed to help protect officers who face risks when writing tickets, but is being looked at seriously to examine issues on both sides of the bill.
January 22, 2015
http://www.insurancejournal.com/news/midwest/2014/01/23/317956.htm
Employee fraud is on a dramatic rise in many companies around the nation. Generally, the employees who are committing fraud may not be who you would initially think. More importantly, fraud may cost much more than the dollar amount taken with the actual act of fraud. According to the article "The loss may rise due to far-reaching damage that may not be immediately visible, such as: impairment of employee morale; weakening of the company’s brand; the undermining of external business relationships; or, for certain business sectors, trouble with regulators." An insurer often looks at rates of fraud and response to fraud when making decisions about insuring companies.
http://www.insurancejournal.com/news/midwest/2014/01/23/317956.htm
Employee fraud is on a dramatic rise in many companies around the nation. Generally, the employees who are committing fraud may not be who you would initially think. More importantly, fraud may cost much more than the dollar amount taken with the actual act of fraud. According to the article "The loss may rise due to far-reaching damage that may not be immediately visible, such as: impairment of employee morale; weakening of the company’s brand; the undermining of external business relationships; or, for certain business sectors, trouble with regulators." An insurer often looks at rates of fraud and response to fraud when making decisions about insuring companies.
January 18, 2015
Deductibles! How do they work?
The deductible is the dollar amount the insured must pay on each loss to which the deductible applies. The insurance company pays the remainder of each covered loss up to the policy limits. Unlike Health Insurance, your Homeowners Insurance Deductible applies to EACH covered loss. Homeowners Deductibles are often listed as both Percentage and Dollar amount. Be cautious about selecting high deductibles for a very small savings. (Example: Raising your deductible from 1% to 5% on a $400.000 Dwelling, is increasing from $4,000.00 to $20,000.00!)
Deductibles! How do they work?
The deductible is the dollar amount the insured must pay on each loss to which the deductible applies. The insurance company pays the remainder of each covered loss up to the policy limits. Unlike Health Insurance, your Homeowners Insurance Deductible applies to EACH covered loss. Homeowners Deductibles are often listed as both Percentage and Dollar amount. Be cautious about selecting high deductibles for a very small savings. (Example: Raising your deductible from 1% to 5% on a $400.000 Dwelling, is increasing from $4,000.00 to $20,000.00!)
January 17, 2015
Importance of Agent:
Insurance agents are required by state laws to obtain licensing before conducting business, as well as mandatory annual continuing education throughout their career. Negligence by an agent can be severe for a client but it can also leave the agent in a bad position, so it is always in the agent's best interest to look out for your best interests as a client. We would recommend using a licensed insurance agent who can review your personal situation over calling a "big name" company and using a "possibly" licensed representative or handling your insurance yourself online.
Importance of Agent:
Insurance agents are required by state laws to obtain licensing before conducting business, as well as mandatory annual continuing education throughout their career. Negligence by an agent can be severe for a client but it can also leave the agent in a bad position, so it is always in the agent's best interest to look out for your best interests as a client. We would recommend using a licensed insurance agent who can review your personal situation over calling a "big name" company and using a "possibly" licensed representative or handling your insurance yourself online.
January 14, 2015
Why do people quickly dismiss flood insurance?
Most people believe being in FEMA's Preferred Risk area means they have little to no risk of being flooded. However, in the last several years within our agency we've seen at least 5 homes in the 'Preferred Risk' area get flooded. We always recommend purchasing flood insurance, it does not matter how high you may believe your house is compared to the other homes on the block. Blocked storm drains from strong winds & rain can cause waters to rise very quickly, faster than you can call your agent to purchase the coverage!!! And then there's that 30 day waiting period…
Why do people quickly dismiss flood insurance?
Most people believe being in FEMA's Preferred Risk area means they have little to no risk of being flooded. However, in the last several years within our agency we've seen at least 5 homes in the 'Preferred Risk' area get flooded. We always recommend purchasing flood insurance, it does not matter how high you may believe your house is compared to the other homes on the block. Blocked storm drains from strong winds & rain can cause waters to rise very quickly, faster than you can call your agent to purchase the coverage!!! And then there's that 30 day waiting period…
January 8, 2015
Limits of Liability on an Auto Policy:
* Lower limits are cheaper in terms of premiums, however, ask yourself: "How big of an accident am I planning on having?"
*Consider a scenario where you are cut off by another driver, causing you to swerve and hit an expensive sports car. A person in that sports car is killed as a result of the accident. The car that cut you off is gone and the liability rests with you. Is your liability limit prepared for such a situation? Minimum limits may not even scratch the surface of high property damage and injury including death.
Insurance is a protection, protect yourself.
Also, when shopping for auto insurance, many companies now want to know what your current coverage is. They then give a discount for insureds that carry higher liability limits. Insurance companies should be meeting needs, not just meeting a bottom line.
Limits of Liability on an Auto Policy:
* Lower limits are cheaper in terms of premiums, however, ask yourself: "How big of an accident am I planning on having?"
*Consider a scenario where you are cut off by another driver, causing you to swerve and hit an expensive sports car. A person in that sports car is killed as a result of the accident. The car that cut you off is gone and the liability rests with you. Is your liability limit prepared for such a situation? Minimum limits may not even scratch the surface of high property damage and injury including death.
Insurance is a protection, protect yourself.
Also, when shopping for auto insurance, many companies now want to know what your current coverage is. They then give a discount for insureds that carry higher liability limits. Insurance companies should be meeting needs, not just meeting a bottom line.
January 4, 2015
When to File a Claim?
When you feel you may need to file a claim, consider the following:
a. Is this a loss that you can or cannot recover from financially?
b. Consider your deductible. If you have a claim of $1200 and your deductible is $1000, you may want to absorb the loss on your own.
c. Every claim stays on your record for at least 3, sometimes up to 5 years, causing rate increases on your renewals.
d. Remember that the true reason for insurance is to cover devastating losses that would cause significant hardship on an individual. When an insureds house burns to the ground, this is when an insured needs help to get back to where he or she was before the loss.
Please call our office if you have further questions about coverage or when to file a claim.
When to File a Claim?
When you feel you may need to file a claim, consider the following:
a. Is this a loss that you can or cannot recover from financially?
b. Consider your deductible. If you have a claim of $1200 and your deductible is $1000, you may want to absorb the loss on your own.
c. Every claim stays on your record for at least 3, sometimes up to 5 years, causing rate increases on your renewals.
d. Remember that the true reason for insurance is to cover devastating losses that would cause significant hardship on an individual. When an insureds house burns to the ground, this is when an insured needs help to get back to where he or she was before the loss.
Please call our office if you have further questions about coverage or when to file a claim.
December 30, 2014
What are named insurance policies?
The named insured is the person or business named in the declarations to whom the policy is issued. In addition to the named insured, the policy may cover other specifically designated persons or businesses as insureds under the policy, such as family members.
If you have questions over who is named on your policies, please give us a call at our office.
What are named insurance policies?
The named insured is the person or business named in the declarations to whom the policy is issued. In addition to the named insured, the policy may cover other specifically designated persons or businesses as insureds under the policy, such as family members.
If you have questions over who is named on your policies, please give us a call at our office.
December 18, 2014
Umbrella Liability:
Umbrella Liability coverage extends over the liability limits provided in your home and auto policies. Umbrella policies are typically very affordable given the amount of coverage they provide. The lowest limit offered is $1M and can go up to $10M in certain instances. Adding a $1 million Umbrella to an auto policy that carries $250,000 of liability brings the potential liability coverage up to $1,250,000 in the event of a major loss. This coverage is very valuable to all clients but especially for those with substantial net worth. Most people don't ever think an accident could exceed their auto limits, but when they do and auto coverages are not enough, the driver found liable may be responsible for the difference which often includes any assets you may have.
Umbrella Liability:
Umbrella Liability coverage extends over the liability limits provided in your home and auto policies. Umbrella policies are typically very affordable given the amount of coverage they provide. The lowest limit offered is $1M and can go up to $10M in certain instances. Adding a $1 million Umbrella to an auto policy that carries $250,000 of liability brings the potential liability coverage up to $1,250,000 in the event of a major loss. This coverage is very valuable to all clients but especially for those with substantial net worth. Most people don't ever think an accident could exceed their auto limits, but when they do and auto coverages are not enough, the driver found liable may be responsible for the difference which often includes any assets you may have.
December 15, 2014
1-800 #'s for Quotes/Servicing:
Many call centers including "big name" insurance companies work off of mandated scripts and are timed for results. When the incentive to write your policies or handle your service request is a ticking clock instead of a satisfying the customer, your needs are overshadowed by the needs of the company.
1-800 #'s for Quotes/Servicing:
Many call centers including "big name" insurance companies work off of mandated scripts and are timed for results. When the incentive to write your policies or handle your service request is a ticking clock instead of a satisfying the customer, your needs are overshadowed by the needs of the company.
December 12, 2014
Blue Cross Blue Shield Medical
We represent Blue Cross Blue Shield for individual medical policies. Open enrollment for the new health insurance plans continues through February 15, 2015. These plans provide coverage compliant with the Affordable Care Act (also known as Obamacare).
There are several levels of coverages available. including HMO's PPO's, different deductibles and co-payments.
Please feel free to forward this to any friends or family who may need help with medical insurance. Contact us for more information.
Blue Cross Blue Shield Medical
We represent Blue Cross Blue Shield for individual medical policies. Open enrollment for the new health insurance plans continues through February 15, 2015. These plans provide coverage compliant with the Affordable Care Act (also known as Obamacare).
There are several levels of coverages available. including HMO's PPO's, different deductibles and co-payments.
Please feel free to forward this to any friends or family who may need help with medical insurance. Contact us for more information.
December 11, 2014
Gaining a Client Back
One of our long time clients moved to a well known insurance carrier that you probably see on T.V. quite often. They believed they had received the same coverage as the broad policies we had written for them, and received a lower rate. After only one year of being with this carrier, they received a much higher renewal rate and contacted our office for a review. It turns out they saved money last year because their new agent wrote them on a stripped down homeowners policy, which only included basic covered perils and NO REPLACEMENT COST. If this insured would have suffered certain losses on their new 'cheaper' policy, such as a busted pipe or wind driven rain, there would have been NO coverage. If they would have suffered a loss that was, in fact, covered, they would have received a depreciated payment from the insurance company and likely would not have received enough money to repair the damage. There is a happy ending to this real life story, we were able to rewrite the clients home on a broader policy, while also saving them money!
Gaining a Client Back
One of our long time clients moved to a well known insurance carrier that you probably see on T.V. quite often. They believed they had received the same coverage as the broad policies we had written for them, and received a lower rate. After only one year of being with this carrier, they received a much higher renewal rate and contacted our office for a review. It turns out they saved money last year because their new agent wrote them on a stripped down homeowners policy, which only included basic covered perils and NO REPLACEMENT COST. If this insured would have suffered certain losses on their new 'cheaper' policy, such as a busted pipe or wind driven rain, there would have been NO coverage. If they would have suffered a loss that was, in fact, covered, they would have received a depreciated payment from the insurance company and likely would not have received enough money to repair the damage. There is a happy ending to this real life story, we were able to rewrite the clients home on a broader policy, while also saving them money!
December 8, 2014
Financial Strength of Carriers – Rated vs. Non-Rated
Ratings are commonly used to evaluate the ability of an insurance carrier to pay potential claims. A Rated Carrier must submit a comprehensive review of its financial standing and not all insurance carriers agree to undergo this process. Make sure that you are diligent over who you choose to handle your insurance. Call us for more information.
Financial Strength of Carriers – Rated vs. Non-Rated
Ratings are commonly used to evaluate the ability of an insurance carrier to pay potential claims. A Rated Carrier must submit a comprehensive review of its financial standing and not all insurance carriers agree to undergo this process. Make sure that you are diligent over who you choose to handle your insurance. Call us for more information.
December 4, 2014
The benefits of having companion policies- yes, bundling!
Significant savings can result from combining auto and home insurance (15%+). Due to higher homeowners risk in coastal areas, many homeowners markets are limited, requiring the spread of risk of having both home AND auto. This can also simplify claim processing when a catastrophic event impacts BOTH home and auto.
The benefits of having companion policies- yes, bundling!
Significant savings can result from combining auto and home insurance (15%+). Due to higher homeowners risk in coastal areas, many homeowners markets are limited, requiring the spread of risk of having both home AND auto. This can also simplify claim processing when a catastrophic event impacts BOTH home and auto.
December 2, 2014
We are often asked, "What is not covered in a Homeowners policy?"
Every homeowners policy has 'Special Limitations' of theft coverage. If you own high dollar items, such as jewelry, fine rugs, firearms or cash, you should review your 'Special Limitations' of theft. Besides this, most policies do not cover 'Mysterious Disappearance' for personal property, unless you have a broad enough policy. These are all very important limitations and should be discussed with your agent, you may be able to endorse your policy for higher limits if you do not have the coverage. And FLOOD is NEVER covered in a homeowners policy. You must purchase a separate policy for this coverage.
We are often asked, "What is not covered in a Homeowners policy?"
Every homeowners policy has 'Special Limitations' of theft coverage. If you own high dollar items, such as jewelry, fine rugs, firearms or cash, you should review your 'Special Limitations' of theft. Besides this, most policies do not cover 'Mysterious Disappearance' for personal property, unless you have a broad enough policy. These are all very important limitations and should be discussed with your agent, you may be able to endorse your policy for higher limits if you do not have the coverage. And FLOOD is NEVER covered in a homeowners policy. You must purchase a separate policy for this coverage.
November 30, 2014
Flood Insurance Firmettes
We recently sent out an email discussing "firmettes". These are produced by the National Flood Insurance Program to show locations and the surrounding flood zone. We can produce a firmette for any location, specifically property you own or may be interested in purchasing in the near future. Please call us for more details.
Flood Insurance Firmettes
We recently sent out an email discussing "firmettes". These are produced by the National Flood Insurance Program to show locations and the surrounding flood zone. We can produce a firmette for any location, specifically property you own or may be interested in purchasing in the near future. Please call us for more details.
