| Subject | Date Asked | Expert |
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| coverage neded | 11/21/2009 | Jay 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 ...
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| hazard property and casualty ins claim | 11/20/2009 | Hal 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 ...
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| Insurance waiver | 11/18/2009 | Thom 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 ...
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| Personal Property Foster Children | 11/18/2009 | Jay 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 ...
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| Water Damage FL Condo | 11/18/2009 | Jay 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 ...
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| Water Damage FL Condo | 11/18/2009 | Jay 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 ...
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| Water Damage FL Condo | 11/17/2009 | Jay 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 ...
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| Neighbor's tree fell | 11/15/2009 | Jay 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. ...
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| Independent vs. Employee | 11/14/2009 | Hal 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 ...
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| house insurance | 11/13/2009 | James 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 ...
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| AAI or CIC | 11/12/2009 | Thom 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 ...
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| Insurance Investigation | 11/12/2009 | James 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 ...
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| property and casualty insurance | 11/12/2009 | Thom 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 ...
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| First year | 11/11/2009 | Jay 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 ...
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| insurance course | 11/10/2009 | Thom 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 ...
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| Contractor wanting to do insurance work | 11/9/2009 | Thom 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 ...
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| self-contracting major loss repairs | 11/9/2009 | James 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. ...
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| depreciation/replacement value | 11/9/2009 | James 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 ...
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| home vandalism | 11/8/2009 | James 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 ...
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| HOW DO I GET A JOB IN PROPERTY AND CASUALTY | 11/6/2009 | Thom 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 ...
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| Auto insurance | 11/6/2009 | Jay 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 ...
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| Association Liability | 11/5/2009 | Jay 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 ...
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| Care Custody control | 11/4/2009 | Jay 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 ...
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| temporary housing proeprty insurance | 11/3/2009 | Kristen 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 ...
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| Is it possible to remove daughter from policy? | 11/3/2009 | James 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 ...
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| umbrella insurance | 11/3/2009 | Kristen 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 ...
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| Start a business in P&C insurance | 11/3/2009 | Thom 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 ...
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| Curious | 11/2/2009 | Thom 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 ...
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| Putting a roof over my porch | 11/2/2009 | Ronald 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 ...
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| Clients Files | 11/2/2009 | Hal 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 ...
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| Community Dock Insurance | 11/2/2009 | Jay 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 ...
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| umbrella insurance | 11/1/2009 | Kristen 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 ...
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| Starting a P&C business | 10/29/2009 | Thom 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 ...
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| Liability Insurance for bare land | 10/28/2009 | Kristen 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 ...
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| Force place ins refund | 10/28/2009 | Thom 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 ...
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| Falling Tree | 10/27/2009 | James 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 ...
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| Statutory Laws in Georgia Protecting Insured's | 10/27/2009 | Kristen 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 ...
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| Statutory Laws in Georgia Protecting Insured's | 10/26/2009 | Kristen 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 ...
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| Expired P&C License | 10/26/2009 | Thom 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 ...
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| Insurance Adjuster | 10/25/2009 | Thom 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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