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About Thom Brooks
(Top Expert on this page)

Expertise
I can answer many inquiries on Property & Casualty, or Life and Health Insurance.

Experience
34 years experience and owner of Brooks Insurance School since 1985. I've taught over 39,000 students and would enjoy helping anyone, especially those troubled by not knowing where to find an answer.
   

You are here:  Experts > Money > Personal Insurance > Property & Casualty Insurance

SubjectDate AskedExpert

coverage neded11/21/2009Jay K. Williams, AAI, AIP, CIC, CRM
  Q: I have recently purchased a U-haul truck that i will be using to move my family. My ins. agent ...
  A: I'd be curious to know how your agent would advise you to insure the truck. You don't have to have ...
hazard property and casualty ins claim11/20/2009Hal McFarland, CIC, ARM
  Q: My question is this, I've got conflicting information on whether there is a "formula" ins companies ...
  A: Kirk, If you will read the policy you should see that the insurance company will provide coverage ...
Insurance waiver11/18/2009Thom Brooks
  Q: I have a rental property (house) and am currently renting the house out, it is a old house but in ...
  A: Naomi, hello! If you will send an email to me at CompnyBiz@aol.com I will email a 12 page lease ...
Personal Property Foster Children11/18/2009Jay K. Williams, AAI, AIP, CIC, CRM
  Q: A client of mine suffered a fire. The client had several foster children living in the home at the ...
  A: First of all, I think the company would be out of their mind to may a check payable to the case ...
Water Damage FL Condo11/18/2009Jay K. Williams, AAI, AIP, CIC, CRM
  Q: Not sure if the question I asked went through to you.. so here I go again. I own a condo in FL. The ...
  A: Leah, The Statute refers to whose responsibility it is to insure specific items. It really does ...
Water Damage FL Condo11/18/2009Jay K. Williams, AAI, AIP, CIC, CRM
  Q: Not sure if the question I asked went through to you.. so here I go again. I own a condo in FL. The ...
  A: This is only my personal opinion because I am not a lawyer. I think lawyers have a tendency to send ...
Water Damage FL Condo11/17/2009Jay K. Williams, AAI, AIP, CIC, CRM
  Q: Not sure if the question I asked went through to you.. so here I go again. I own a condo in FL. The ...
  A: I did get your question earlier but I'd rather get it twice than not get it at all. Your neighbor ...
Neighbor's tree fell11/15/2009Jay K. Williams, AAI, AIP, CIC, CRM
  Q: I hope that you're able to answer this question.About 1 1/2wks ago I noticed that a big tree on my ...
  A: I'm sorry to hear about your loss. Trees are always a real problem from an insurance standpoint. ...
Independent vs. Employee11/14/2009Hal McFarland, CIC, ARM
  Q: I am about to obtain my 2-20 license for Florida. Do I work at the small privately owned corner ...
  A: Marlene, My answer is tempered by an entrepreneurial spirit. I have been a producer and agency ...
house insurance11/13/2009James R Carrier
  Q: I am shopping around for a new policy. Can I just order up a certain amount of money for ...
  A: Susan, Replacement Cost insurance policies are standard today for homeowners, you couldn't even ...
AAI or CIC11/12/2009Thom Brooks
  Q: I'm 27 and just starting my career in the insurance field. My goal is to become a broker. Currently, ...
  A: Daniel, hello! Both are quality but it would depend entirely on your future fields. Talk with your ...
Insurance Investigation11/12/2009James R. Berliner, CPCU
  Q: A pipe broke in the third floor bathroom and did significant damage to our main level and basement. ...
  A: Sorry to hear about your troubles. This is way too long for this claim to not be settled. Here's ...
property and casualty insurance11/12/2009Thom Brooks
  Q: Good Evening, I would like for you, if you would, kindly recommend some of the better schools ...
  A: Penelope, hello! I lived in Florida for 18 years but do not have any school to recommend. I have ...
First year11/11/2009Jay K. Williams, AAI, AIP, CIC, CRM
  Q: I am new to insurance business after career change at 45........We live in the south ina town with ...
  A: I think you've done well for your first year in this crazy business. Planning is always ...
insurance course11/10/2009Thom Brooks
  Q: I am starting from scratch and I'm very interesting in becoming an p%26c insurance broker I cant ...
  A: Mallie, hello! You need to contact your state's Insurance Department. They can advise the license ...
Contractor wanting to do insurance work11/9/2009Thom Brooks
  Q: I would like to expand my business by doing insurance work on homes damaged by storms or flooding. ...
  A: Kris, hello! You need to contact your state's Insurance Department. You can sit for the classes ...
self-contracting major loss repairs11/9/2009James R Carrier
  Q: It's me again, sorry. re: "Your on my most passionate subject so lets get down to brass tax. If you ...
  A: Kimbrell, Holding the "lien on the house" I'm assuming to mean your basically the mortgage company. ...
depreciation/replacement value11/9/2009James R Carrier
  Q: the 'story' House Fire and I had Full Replacement Value Expert: James R Carrier - 5/20/2009 ...
  A: Kimbrell, Your on my most passionate subject so lets get down to brass tax. If you don't have an ...
home vandalism11/8/2009James R Carrier
  Q: I live in Chicago. THREE times kids from the train tracks behind my house have thrown rocks. Glass ...
  A: Sandi, A little out of my comfort zone, my familiarity with your insurance company and your ...
HOW DO I GET A JOB IN PROPERTY AND CASUALTY11/6/2009Thom Brooks
  Q: I AM ABOUT TO START THE COURSE FOR PROPERTY AND CASUALTY, I ALREADY HAVE A LICENSE IN CREDIT LIFE ...
  A: Terese, hello! You have asked a broad question that needs more than a paragraph. I am officiating ...
Auto insurance11/6/2009Jay K. Williams, AAI, AIP, CIC, CRM
  Q: A vehicle is registered under my name but i do not drive the vehicle at all. My mother has a valid ...
  A: Most insurance companies will only insure the vehicle in the name of the person to whom it is ...
Association Liability11/5/2009Jay K. Williams, AAI, AIP, CIC, CRM
  Q: We own and live in a condo in FL. We recently had a problem with water leaking from our shower into ...
  A: Please accept my apology for not getting back to you yesterday. I highly recommend that the unit ...
Care Custody control11/4/2009Jay K. Williams, AAI, AIP, CIC, CRM
  Q: I have a Contractor who installed cabinets in a business office, the office copy machine was in the ...
  A: The CCC exclusion should only apply to that part of the premises that the insured is actually ...
temporary housing proeprty insurance11/3/2009Kristen Mulcahy, CIC
  Q: I have a client that will be buying mobile homes for when a homeowner suffers a fire to their home. ...
  A: Tom; I'm sorry but I'm not familiar enough with carriers appetites to tell you who would write a ...
Is it possible to remove daughter from policy?11/3/2009James R. Berliner, CPCU
  Q: Last year my daughter went through Driver's Ed in high school and got a learners permit. We have ...
  A: I taught three of my kids to drive. Fun, isn't it? Two thoughts. If your daughter is not yet ...
umbrella insurance11/3/2009Kristen Mulcahy, CIC
  Q: A person has rental properties in GA, NC, IN, OR and CA. Does the person buy business or personal ...
  A: Yes, it's still business/commercial insurance. There are numerous companies that do business in all ...
Start a business in P&C insurance11/3/2009Thom Brooks
  Q: After taking the exam and passing what would be the first step in getting into the business? Also ...
  A: Dennis, hello! Your questiion is too complicated to speak in one paragraph. You have to get a ...
Curious11/2/2009Thom Brooks
  Q: I am currently working as an accounts receivables rep. for a group of podiatrist. I am seeking now ...
  A: Mari, hello! The P. & C. license for Georgia may be a bit different than other states so you ...
Putting a roof over my porch11/2/2009Ronald Hicks, CIC, CRIS
  Q: I'm thinking of having my brother-in-law who works in construction put a roof on my existing back ...
  A: Brian Even before we discuss insurance, let me pass on a old saying, "Don't do business with ...
Clients Files11/2/2009Hal McFarland, CIC, ARM
  Q: For how long does Insurance Broker have do maintain and keep his clients files?
  A: Tatyana, The length of time an insurance broker is required to maintain and keep client files ...
Community Dock Insurance11/2/2009Jay K. Williams, AAI, AIP, CIC, CRM
  Q: WE have a multifamily floating dock attached to a community common waterfront lot. It is an ...
  A: Hey Mike, Liability should be the least of your coverage worries. Liability coverage for ...
umbrella insurance11/1/2009Kristen Mulcahy, CIC
  Q: A person has rental properties in GA, NC, IN, OR and CA. Does the person buy business or personal ...
  A: Ivan; Easy question! Unless this person is actually living on the property, it's business ...
Starting a P&C business10/29/2009Thom Brooks
  Q: Thom, I am currently licensed in Accident and Health, Fire and Casualty Broker-Agent, and Life Only. ...
  A: Jerry, hello! The Surety Bond is likely making you responsible for errors that cost the state ...
Liability Insurance for bare land10/28/2009Kristen Mulcahy, CIC
  Q: My father passed away and left a bare commercial lot in a trust for his siblings. We have sold his ...
  A: Mike; This is very easy to do. Find a reputable independent agent and tell them you need a General ...
Force place ins refund10/28/2009Thom Brooks
  Q: My mortgage ins. expired Nov. 06 in the same month in which I sold my home; however before I could ...
  A: April, hello! You need to send a certified letter to that company. You should request that the ...
Falling Tree10/27/2009James R. Berliner, CPCU
  Q: Who is responsible for a tree falling on my car. The tree was in my neighbor's yard? He does not ...
  A: The answer to this question is based on whether your neighbor was negligent. If the tree was in ...
Statutory Laws in Georgia Protecting Insured's10/27/2009Kristen Mulcahy, CIC
  Q: Insured A & B Inc. paid their annual premiums to their retail agent of record at the inception of a ...
  A: Tyler; The insured can absolutely file a claim with the purchasing agent's E and O policy. When a ...
Statutory Laws in Georgia Protecting Insured's10/26/2009Kristen Mulcahy, CIC
  Q: Insured A & B Inc. paid their annual premiums to their retail agent of record at the inception of a ...
  A: Tyler; You have described a situation that unfortunately, occurs all too often. I am not in the ...
Expired P&C License10/26/2009Thom Brooks
  Q: I am considering going back into the insurance field; however, my P%26C license has been expired for ...
  A: Megan, hello! You need to contact your state's insurance department. In Georgia, you have to ...
Insurance Adjuster10/25/2009Thom Brooks
  Q: My son is 19 years old,he is interested in becoming an insurance adjuster,i would like to know what ...
  A: Valerie, hello! I have taught over 44,000 students and hold classes monthly in Savannah. His ...

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Questions by
Active Experts:
James R. Berliner, CPCUFred MorrisHarold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC
James R CarrierWim DesmadrylDeanna Terry
Thom BrooksKristen Mulcahy, CICHal McFarland, CIC, ARM
Jay K. Williams, AAI, AIP, CIC, CRMRonald Hicks, CIC, CRISsteve zimmerman
   

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