Enjoying the comfort and warmth of my home abruptly ended as the heat stopped working. I double-checked the thermostat. It appeared to be working but the heat was only coming up intermittently. I called the plumbing company that recently installed a new thermostat. I suspected that this was the problem. It was not. To my […]
Read more...Blog
DO YOU NEED AN INSURANCE EXPERT?
It’s a daunting decision, whether or not you need to pay for an insurance expert when you have an insurance claim. Typically, you would just contact your broker to handle things. And while this might be the right and necessary decision, your broker represents the insurance company. That means they work for them, not you. […]
Read more...WINTER AND FREEZING PIPES ARE HERE
To start off the new year there was a winter snowstorm, a big, impressive one. In some places along the eastern seaboard, the conditions reached blizzard status and temperatures dropped for days on end. While youngsters enjoyed sled riding, building snow men and school closings, did adults share their enthusiasm? Shoveling sidewalks and driveways and […]
Read more...RETIREMENT – IRA
It’s the end of the year and you’re thinking about holidays – Chanukah dinner, Christmas celebrations, plans for New Year’s Eve – happy events all around. The family will gather, and merriment will ensue with gifts, great times, wonderful memories. Whether your plans include latkes and dreidels along with lighting the menorah or stocking stuffers […]
Read more...Who Pays Flood Insurance Adjusters?
On Quora, I saw a question regarding adjusters and how they earn their money. And so, I answered it. I’m happy to share the answer here and provide a little more information as well. States regulate insurance adjusting. Most states have a process for obtaining a claim adjuster’s license. But some states and the District of […]
Read more...ENJOY THE HOLIDAYS and AVOID TRAGEDY
It’s that celebrating time of year again. And it sometimes feels like a non-stop adventure. Thanksgiving is a breath away, which leads us to the Christmas, Chanukah, and Kwanzaa celebrations. We wrap up the year with New Year’s Eve festivities and New Year’s Day brunch or dinner. Every family has its own traditions and cultural […]
Read more...Key Person Disability Insurance
In a previous post, I wrote about the importance of life insurance on a key person, key man or key woman. Disability insurance on a key person is also important to a company. The same parameters exist for who should have disability insurance as for who should have life insurance. The person in question could […]
Read more...HURRICANES HARVEY, IRMA & MARIA VS. FEMA & YOUR HOMEOWNER’S INSURANCE
A recent spate of powerful hurricanes brought death and devastation throughout the Caribbean, Puerto Rico, Texas, Florida, and other states along the gulf and up the coast. Hurricanes Harvey, Irma, Jose, and Maria have caused unprecedented devastation of levels never before seen in an area larger than the state of New Jersey. They have caused […]
Read more...FEMA UPDATE FOR CLAIMS FROM HURRICANE HARVEY & IRMA
There was an extension to the filing deadline for a Proof of Loss flood damage claim resulting from Hurricanes Harvey and Irma. The Federal Emergency Management Agency (FEMA) advised all policyholders by mail that the standard 60-day deadline has been replaced. The new Proof of Loss filing deadline is 365 days from the date of […]
Read more...WILL FEMA PERFORM BETTER FOR HARVEY AND IRMA VICTIMS THAN THEY DID FOR SANDY VICTIMS?
There are already thousands of insurance claims for damage caused by Hurricane Harvey and Irma. FEMA expects thousands more claims yet to come. Victims hope for a smooth claims process and accurate payment for damage. But, if the recent past is any indication, these hopes may well be wishful thinking. Hurricane Sandy claims are now approaching 5 years […]
Read more...