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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.

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Questions Answered By Expert Thom Brooks
In Category Property & Casualty Insurance

Subject	Date Asked

Insurance waiver	11/18/2009
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 ...
AAI or CIC	11/12/2009
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 ...
property and casualty insurance	11/12/2009
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 ...
insurance course	11/10/2009
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 work	11/9/2009
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 ...
HOW DO I GET A JOB IN PROPERTY AND CASUALTY	11/6/2009
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 ...
Start a business in P&C insurance	11/3/2009
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 ...
Curious	11/2/2009
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 ...
Starting a P&C business	10/29/2009
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 ...
Force place ins refund	10/28/2009
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 ...
Expired P&C License	10/26/2009
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 Adjuster	10/25/2009
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 ...
toilet malfunction insurance claim	10/22/2009
Q: We just bought a home 2 years ago. Sunday we were gone all day and we came home the how was ... A: Brenda, hello! Every claim is looked at differently, even if you submit that identical claim to the ...
P&C INSURANCE	10/20/2009
Q: I BOUGHT SMALL INS AGENCY IN GA, I WANT TO CONTACT WHOLESALER FOR HOME AND AUTO INSURANCE (STANDARD ... A: OM, hello! You can gather contacts with companies by talking to other local independent agencies. ...
car vandalism in garage	10/18/2009
Q: Does homeowner's coverage cover a vehicle in garage vandalized by a ground hog getting into cars ... A: Lori, hello! The vehicle is not covered by your homeowners (except for Liability if the car is in ...
sub agent licensing	10/17/2009
Q: What is the difference between a sub agent and a "secretary" in an insurance agency? Can you give ... A: Jill, hello! You need to contact the state insurance department or goggle their website and you ...
Appraisal	10/11/2009
Q: My allstate adjuster paid for the leaks in my ceiling however my contractor disagreed with his ... A: James, hello! In writing, you can request to the Senior Claims Manager of Allstate, that they pay ...
Non-renewal of homeowner's policy	10/7/2009
Q: We bought a brand new home & insured it in 2000. No problems or claims until 2008. Last year, we had ... A: David, hello! You can turn the identical claim into the same company in the same week, and get it ...
water damage claim	10/5/2009
Q: I filed a water damage claim and my adjuster turned it into a nightmare from day one. She sent my ... A: Juanita, hello! I am sorry for your loss and most importantly for your stress. Hope all works out ...
Homeowners insurance	9/30/2009
Q: We had our home insured by Allstate for many years and they continued to increase our premiums ... A: Ernest, hello! The Homeowners industry has been in dire straits around the nation for years. It's ...
person property water damage	9/28/2009
Q: When my daughter went to college, I purchased a personal articles policy through our homeowners ... A: Connie, hello! If your coverage is called All Risk, and if you have a deductible, the claim could ...
limited subagent sponsor	9/24/2009
Q: Thom, I have a friend that owns an independent agency that is willing to bring me on as a new agent ... A: Your chances are always great if you work hard. You need to be concerned about the Insurers not ...
limited subagent sponsor	9/22/2009
Q: Thom, I have a friend that owns an independent agency that is willing to bring me on as a new agent ... A: Steve, hello! You can select the limited licenses (two different 20 hour classes, no Exam) but the ...
Dead tree on house	9/22/2009
Q: A dead tree in my backyard was struck by lightening and fell on my roof. We have attempted to have ... A: Christy, hello! Sorry for the stress and hassle. It will get better! The first step would have ...
P&C commission	9/22/2009
Q: I am currently a Life and Health Agent in Oklahoma and I am interested in getting my P&C License. ... A: Traci, hello! The P. & C. insurers have different commission tiers, depending on the size of the ...
Homeowners = coverage on vehicle	9/19/2009
Q: This is a real strange question and I am grasping at straws. I will tell you a bit so your see ... A: Dawn, hello! Sorry for your stress and losses. You need to contact the lawyer and court that ...
New P&C Agency	9/18/2009
Q: I have just started my own P&C insurance agency in North Carolina. I am currently working through ... A: Jamie, hello! I am teaching this week but will be available next Monday if you care to talk with ...
Ga P&C	9/17/2009
Q: I want to get licensed for Casualty insurance in Wisconsin, but I live in GA. The WI contact person ... A: Janene, hello! I just had a guy phished me with spam because I gave out my email. It is ...
Recovery of Stolen Property	9/9/2009
Q: The home I rent (Maryland) was recently robbed and I was just issued a settlement check from my ... A: Lisa, hello! I was teaching a class this week in Saint Simons Island and was not able to answer all ...
Starting a Casualty Agency	8/24/2009
Q: Thom Writing from state of Michigan I have been in the Life and Health Industry for 25 years. I ... A: Barry, hello! Most P. & C. companies want you to have a block of business established, but you need ...
Becoming and Adjuster in GA	8/23/2009
Q: Good day and thank you for your time. I have been in insurance for 13 years and has held P&C, LAS ... A: Tomeka, hello! First of all, I've taught these classes in 5 states and 85% of the Georgia course is ...
Condo Water claim who pays?	8/12/2009
Q: My AC unit leaked and created water damage to upstairs closet and 30% downstairs ceiling. After I ... A: Stan, hey! I emailed this answer to you this morning in a private email. My Savannah Bombers are ...
insurance claim for watch and ring	8/7/2009
Q: I have turned in a claim to my home owners ins. Lib Mutual. The claim was filed 5-8-09. I have given ... A: Votie, hello! You've got a neat name! All companies want as much information as possible to pay ...
Conflict of Interest	8/5/2009
Q: Can an Insurance company handling a Property and Casualty claim coerce a policyholder into using a ... A: Marion, hello! It is not a Coercion on the Insurer's part. The Insurer has a list of approved ...
Obtaining my P & C 220 license	8/4/2009
Q: I live in Sarasota County and would like to obtain my 220 license. Do you know of any courses I can ... A: Sylvia, hello! I do not know of any on line courses but the Florida Insurance Department in ...
Insurance appointments	8/3/2009
Q: I have just started an Independant P&C agency. The Agency and I are both licensed in Pennsylvaina. ... A: Greg, hello! Email me at CompnyBiz@aol.com We will set up a time to talk for about 15-20 minutes. ...
personal property claim	7/26/2009
Q: We had a devastating fire that resulted in a total loss of our home and all of our belongings. We ... A: Becky, hello! We had a storm in Savannah, a branch knocked out our power line and so I've been late ...
Floating Boat Lift System Insurance	7/23/2009
Q: What insurance cover should buy for the Floating Boat Lift System? Thanks! A: Terry, hello! You would need to contact an independent insurance agency. They will quote your ...
Water damage due to toilet backup	7/13/2009
Q: My toilet backed up due to dual malfunctions. My sewer line was blocked by tree roots but at the ... A: Elsa, hello! Sorry for your losses and inconvenience. If you had purchased an optional coverage, ...
property & casualty	7/12/2009
Q: Ive had my L&H for 4 years now, and I've done well. I want to start my own P&C business. Do I have ... A: Casey, hello! It's much more difficult to get the P. & C. companies to appoint you unless you have ...
trees falling on property	6/21/2009
Q: I live in Kentucky and during a recent storm one of my trees have fallen onto my neighbors property ... A: Stacy, call your Insurer. Your company will advise. If it fell due to an Act of God, and if your ...
Salvage/Rebuildable Titles	6/19/2009
Q: How can I get a Salvage/Rebuildable Title on a car? It is a '92 MR2. The front right part of the ... A: Jacob, hello! You need to contact your local tag office. They may require the former owner to sign ...
property and casualty license	6/6/2009
Q: What types of jobs can you find with a property and casualty license when you are new to the field? ... A: Tom, hello! Depending on which state you're in, the jobs could be 80,000 for the agents and ...
opening an agency	6/6/2009
Q: I am a licensed life and health agent that is independant in Ky.I primarily deal in the senior ... A: David, hello! Working with family would be awesome! One of the obstacles is that Florida is in a ...
Cargo Insurance / Insurer Refusal to pay	5/18/2009
Q: My cargo was damaged due to an equipment failure in the vehicle carrying the cargo. I contact my ... A: Tony, hello! The question can be answered several ways. Without seeing all sides of the story I ...
P&C insurance license	5/14/2009
Q: Just learned I need a sponsor to be licensed in P&C insurance in Ga. How do I go about find one? Is ... A: JC, hello! You have one year from the date of your class and passing the exam in order to get a ...
adjuster courses in ga	5/13/2009
Q: I live in woodstock, ga and have been in construction for over 25 yrs specifically roofing and would ... A: Tom, hello! I have that 40 hour Property and Casualty school starting next week and every month. If ...
Property and casualty Exam	5/8/2009
Q: How difficult is the Property and Casualty Test Exam? How difficul is this test? what rage level ... A: Linnette, hello! The exam difficulty depends entirely on the student. If you're highly motivated ...
rental truck - liabilty insurance	4/29/2009
Q: I have auto and umbrella insurance with a US company. I will rent and drive from Arizona to ... A: Charity, hello! The standard auto policy only covers vehicles with gross vehicle weight of 10,000 ...
Appraisal and Umpire Service	4/29/2009
Q: Mr. Brooks, My question is this; as acting as an Appraiser on a fire loss in the Atlanta area one ... A: John, hello! Yes. Both parties have to agree within the time frame or mutually agree to postpone. ...
property damages	4/28/2009
Q: My brother broke out 6 windows in a house I am renting and six windows in my van. He does not live ... A: Regina, hello! Sorry for your stress! The landlord's insurance would likely pay the claim as ...
Property and casualty licence	4/7/2009
Q: I live in Venice Fl. Are there any courses close to Sarasota. 200 hour Property and Casualty ... A: Kevin, hello! Contact the Florida Insurance Department in Tallahassee. They have a listing and ...
Proof of purchase.I have video photos but no receipts	4/3/2009
Q: "I filed a renters insurance claim after my apt was burgularized. The insurance company has put my ... A: Thomas, I cannot answer your question since I do not know the circumstances. The Insurer will pay a ...
Water Damage coming from neighbor	3/24/2009
Q: We live in townhouse community (here in state of CA). My next door neighbor had a toilet overflow ... A: Jason, hello! You likely will end up spending a lot of time, energy and money only to discover that ...
Insurance Adjuster School	3/24/2009
Q: I am attempting to get certified/license in becoming an insurance adjuster in Georgia. I have a bit ... A: Chandre,hello! I teach the 40 hour prelicensing school for adjusters/agents in Savannah every ...
Arizona non resident license	3/24/2009
Q: I'm a CA domiciled broker agent. I have an AZ non residence license. Can I sell individual medical ... A: Dennis, hello! Yes, but you need to verify through the departments. If you have a California ...
home insurance and dead tree	3/23/2009
Q: Will my home owners insurance pay to take down a dead tree? A: James, hello! No. Your Homeowners may Non-Renew or Cancel your policy if you asked them to take it ...
P & C License	2/19/2009
Q: I am a former student of yours from the Macon, GA GEICO office. (1990's) You taught so many of us, ... A: MaryKay, hello! If you were the one that crushed beer cans on your forehead and snored in class, ...
Cancellation of Insurance policy for Non-payment	2/19/2009
Q: My question is in two parts and related to P&C Insurance 1. If an Insured does not pay the first ... A: Amalbhasin, hello! 1. The insurer can give a 10 day Non Payment notice. How they cancel depends ...
question regarding appointments	2/4/2009
Q: What does it cost to appoint an agent (who holds a non-resident property and casualty license)with a ... A: Morgan, hello! You need to contact the Superintendant's office at the New York State Insurance ...
ice storm	2/4/2009
Q: my insurance company will not reimburse for preventative action. The freezing temps here will break ... A: Bruce, hello! Sorry for your stress and loss. I shiver in Savannah when the temperature drops in ...
carport	2/3/2009
Q: I live in Ma. and have a permenent metal carport that was here when I moved in 22 years ago. This is ... A: Tom, hello again! My computer shut down as I was sending this message so this may be a repeat. My ...
fallen tree during ice storm	2/1/2009
Q: If a neighbors tree falls across our driveway,who is responsible for cleanup? We are elderly and ... A: Phyllis, hello! Wait a minute. Tell me what city and state you're in. I'm coming up from Savannah ...
Homeowners Insurance Quote and Binder	1/29/2009
Q: Our agent sent a quote for a new carrier with several of coverage limits missing. I called the ... A: Will, hello! I would urge you to get the agent (or call that Home Office) to have them tell you the ...
How to earn a property & casualty license	1/25/2009
Q: would you please let me the cost of getting a property & casualty license class? And How do I start ... A: Calvin, hello! You can email me at CompnyBiz@aol.com and I'll send a schedule for the school I ...
P&C License	1/20/2009
Q: I've been out of the industry for many years but now that kids are grown want to return. I have 10 ... A: Kathi, Hello! You need to go back to the Insurance Department in Sacramento and talk to someone. ...
Insurance for Land	1/20/2009
Q: My husband & I recently purchased 5 acres of land for a future retirement home. We've installed a ... A: Teresa, hello! You need to contact your Homeowner's company. They can likely extend the Liability ...
making electrical upgrades	1/12/2009
Q: I'm a homeowner in California. I'm considering hiring a worker to run new electrical circuits into ... A: Mark, hello! Safety is the primary concern. If you are satisfied that the workers are doing a ...
Homeowners Ins.	12/31/2008
Q: I was curious, by accident I cleaned off my daughters dinner plate with her retainer on it and it ... A: Christina, hello and Happy New Year! If you have a Homeowners that is called an HO-3 with the HO-15 ...
P & C Agency	12/28/2008
Q: Thom, I have been in the life and health business for 20+ years secializing in group medical, ... A: Jerry, hello! Finding a P. & C. company is tough, because they either want you to have a block of ...
Claims pending per adjuster	12/16/2008
Q: What is the industry average for pending claims per adjuster for property/casualty insurers? I've ... A: Diana, hello! You need to contact the individual stae Insurance Departments for their state's ...
fallen branches	12/13/2008
Q: I live in Massachusetts, and I'm sure you heard about our horrific ice storm this past week. We have ... A: Sue, hello! Sorry for your loss. As the standard, you would not be liable for his auto damage ...
property/casualty insurance vs Health/life insurance	12/12/2008
Q: I am a licensed Realtor, and am considering getting a license in insurance. What is more lucrative ... A: Dee, hello! The lines of insurance you elect to produce will be a matter of personal opinion. I've ...
Passing the P&C License Test	12/10/2008
Q: I took this once, and failed. How embarassing!! Anyway missed by two questions. I am having the ... A: Leslie, I'm teaching a P. & C. class this week but when do you plan on testing again? What state ...
Tree problem	12/2/2008
Q: A small branch from my Maple tree landed on a neighbor's car as a result of a 48 MPH wind gust. The ... A: Jonah, Good Morning! Your neighbor's auto insurance should be paying the claim, after your neighbor ...
putting seams at doorways where none exist	11/25/2008
Q: I have a toilet leak that happened back in August. My insurance company (State Farm) was out ... A: John, hello! It's difficult to see your claim but you should be restored to the position you were ...
Homeowners' insurance	11/24/2008
Q: Back in April, I had a mold issue at my house (I'm in NY). My insurance company sent one of their ... A: Maria, hello! The agent or adjuster has Errors and Omissions Insurance if they made an honest ...
teen driver w/ no insurance	11/20/2008
Q: my 17 year old was driving my car home from the mechanics and was in a accident. I had no insurance ... A: Ruth, hello! I do not have enough information, but you definitely should seek advice from an ...
220 license	11/19/2008
Q: i currently have a 440 personal line license from florida for 1 yr, iam looking to get my 220, what ... A: Tony, hello! Generally, Florida requires that you attend the 200 hour course (ten weekends, 10 ...
P&L Insurance law	11/18/2008
Q: I started work with a company that has a large database of members. This company is endorsing an ... A: Maria, hello! Your company may not be able to appoint you as a licensed agent in your state ...
Water damage to kitchen cabinets	11/15/2008
Q: My hand made kitchen cabinets were ruined. The adjuster costed the replacement with new boxes but ... A: Robyn, hello! You can quibble with the adjuster. If they do not want to allow what you think is ...
How to start my own agency at home.	11/14/2008
Q: I read your forum of previous questions that were asked for your answer and advise. I am hoping that ... A: Rosa, hello! If you are in Orange County, Florida or California, your first step is to get ...
P&C sponsorship	11/5/2008
Q: how can i find a sponsor to get my P&C license. just pass my state exam in macon Ga ANSWER: Howard, ... A: Howard, then you need to get a Florida Insurer to sponsor you (unless you need to get Georgia's ...
P&C sponsorship	11/5/2008
Q: how can i find a sponsor to get my P&C license. just pass my state exam in macon Ga A: Howard, hello! You have one year from the exam and class date to get a sponsor. The P. & C. ...
Wall to Wall Carpet Claim	11/4/2008
Q: I had an incident with bleach in the family room on the wall to wall carpeting. During the initial ... A: Cheryl, hello! The reason behind the bleach needs to be known. After the deductible is satisfied, ...
Landlord Policies	11/4/2008
Q: Who is responsible when there is a fire in the rental home & the tenants are killed? There are no ... A: The landlord could be held legally responsible if his home were responsible for their deaths, but it ...
Additional Insured on Tenant Insurance	11/4/2008
Q: Can an insurance company add an additional insured to a Tenant policy & if spo why? A: Jennifer, it would depend on why the Addtional Insured would be added. Do you mean that person is a ...
Property and Casualty Insurance License (220) classes	10/31/2008
Q: How do I get started in the insurance business? What do I need to do first? I am currently in ... A: I do not recommend any particular school but the state will have listings of approved ones. I still ...
Property and Casualty Insurance License (220) classes	10/31/2008
Q: How do I get started in the insurance business? What do I need to do first? I am currently in ... A: Justyn, hello! Any education will help you in the Insurance business. If you elect to move into ...
HOME VANDALIZED/STOLEN ITEMS	10/27/2008
Q: MY HOME WAS BROKEN INTO WHILE I WAS OUT OF TOWN ON VACATION. MY NEPHEW WAS HOUSESITTING FOR ME AND ... A: Cookie, hello! Sorry for your loss. If you have the standard type Homeowners policy, you will ...
P&C business	10/23/2008
Q: Thom, I am considering getting into the P&C business. I would rather stay independent, but have no ... A: Lane, hello! In most cases I've observed over the past 34 years, if you intern in an agency, you ...
insurance broker	10/15/2008
Q: I've worked for an insurance company for about 5 years in the state of California. I'm trying to ... A: Edward, hello! You need to contact the Insurance Department in Sacramento for the details of the ...
Becoming a Lincense Bondsman	10/14/2008
Q: How do you become a Lincense Property & Casual Agent? A: Cherri, hello! Depending on the state, the Property and Casualty school will generally qualify you ...
tree root ball	10/10/2008
Q: Thom! My insurance company (Farmers) is already involved in this situation, but they have ... A: Amanda, hello! It will work out fine! Your neighbor's Homeowners should charge him the ...
Adjuster vs. Appraiser License	10/7/2008
Q: I have a small IA firm and need to understand the benchmark in GA as to when we need to have our ... A: Mike, hello! Yes. The Insurer that authorizes the Adjuster to handle their claims is required to ...
Auto PARTS Insurance	10/6/2008
Q: I have a couple of classic cars and keep "spare" parts on hand in my garage - neither my auto nor ... A: Ronda, hello! You need to contact the independent agencies in your area. They will have a market, ...
1st party property	9/23/2008
Q: What is the statute of limitations for filing suit for a 1st party property claim/commercial? A: Sofie, hello! It is two years in Georgia, but varies from state to state. You would need to ...
P&C insurance	9/19/2008
Q: I am looking into getting my p&c liscense as a friend of mine is in the real estate business and ... A: Dominique, hello! You have to contact your state's insurance department. They will tell you their ...
P and C course	9/18/2008
Q: Thom, when is your next class and how much is it? Also, how can I sign up fo rthe class and what is ... A: Tim, hello! I will have the P. & C. class (in Savannah) in October but am waiting for a company in ...
liability claim -- canoe hit neighbor's car	9/16/2008
Q: we had some high winds this past weekend and my canoe lifted off the 2 saw horses it was on in the ... A: Brian, hello! If you are deemed Liable, your Liability part of your Homeowners will pay the claim. ...
tree removal	9/13/2008
Q: I live in savannah ga and about three months ago my neighbors very big, tall tree fell over onto my ... A: Leroy, hello! Hah! I live in Savannah and just had two 70' Red Oak trees fall in my yard this ...
Have plenty of questions...	9/2/2008
Q: Hey! I have for the last month been trying to find out as much information as possible about ... A: Justin, hello! You need to contact the South Carolina Insurance Department in Columbia. They will ...
Rental property insurance	8/29/2008
Q: My wife inherited a half-share of a house near our own home in Texas, and we found a couple who ... A: TW, hello! You can contact the Texas Insurance Department in Austin. They have a list of approved ...
Property & Casualty License - ONLINE	8/15/2008
Q: Trying to find an online course for property & casualty Florida license. Can you tell me of any? ... A: Frances, hello! Contact the Florida Insurance Department in Tallahassee. They would have a listing ...
Tree questions...	8/8/2008
Q: Thom - I saw your other responses regarding "tree law" and wanted to see if you could help clarify ... A: Carla, hello! I've been waiting 3 days for a router to be mailed after mine was hit by a storm. ...
Book of Business	7/22/2008
Q: Thom, I currently work for a small independent agency and over the last 8 years I have built up a ... A: Justin, hello! You would need to have legal discussions with the home office, the other agency, and ...
Car accident in my driveway	7/21/2008
Q: I backed into my son's girlfriends car that was parked in my driveway. Will homeowner's insurance ... A: Maria, hello! Ouch! That would be a subject of your auto insurance, if you were in a vehicle. If ...
Long term water damage	7/15/2008
Q: we pay so much for our home owners insurance and we just had a horrible smell in our house and found ... A: Then tell the Insurer what you just stated. If they can see that your answer is Honorable and with ...
Long term water damage	7/15/2008
Q: we pay so much for our home owners insurance and we just had a horrible smell in our house and found ... A: You can certainly submit a claim. The general language is that the water must be sudden and ...
Long term water damage	7/14/2008
Q: we pay so much for our home owners insurance and we just had a horrible smell in our house and found ... A: Kelli, hello! It's not necessary that it be your fault. The typical claim like that would be ...
Dead Tree - liability	7/9/2008
Q: there is a tree behind our house that may or not be on our property (it's a flood plain behind the ... A: Lynda, hey! Go to your deed, (your papers at closing). You can measure your lot size and determine ...
Dead Tree - liability	7/8/2008
Q: there is a tree behind our house that may or not be on our property (it's a flood plain behind the ... A: Lynda, hello! You have posed the standard question that can be handled differently, depending on ...
abusive condo board	7/2/2008
Q: Last year I skidded and hit my garage and damages were said to be $2389. After a year of going back ... A: Gene, hello! I'm sorry for the stress this has caused. I cannot give an answer without knowing all ...
How do you find a school for this	7/1/2008
Q: I live in Detroit Michigan I'm tryin to find out where to go to take the class to prepare me for the ... A: Kimmy, hello! email the Michigan Insurance Department. They will give you the legal requirements, ...
Book of Insurance purchase	6/24/2008
Q: I've been trying to find info on purchasing a book of insurance and I'm having a tough time. My ... A: Bill, hello! The value of a book of business is in the eyes of the seller and buyer! No one answer ...
Independent Agency	6/24/2008
Q: I am opening an independent agency. Can you provide any insight on how to acquire companies to ... A: Tammy, hello! The times they are a'changin'. The best way to build a scratch agency is to buy into ...
total loss	6/16/2008
Q: i have a 100,000 limit with a mortgage clause on my homeowners policy. My insurance company just ... A: Melanie, hello! I cannot give a precise answer without knowing all sides of the claim, but your ...
E & O insurance class	6/9/2008
Q: We recently have discovered that we have to take an E&O class in order to work for our company. Do ... A: Jill, hello! No Ma'am, I do not offer a formal E. & O. class but do offer the Ethics class which is ...
Selling a fire damaged home.	6/9/2008
Q: A friend had a fire in their home on Saturday. Only one wall of serious fire damage, but terrible ... A: Dennis, hello! Without knowing all details I cannot give a clear answer. However, State Farm's ...
getting in front of people	6/8/2008
Q: If putting expenses on the side ,what would you recommend as the best way to put oneself in front of ... A: In P. & C., it is a bit different than in the Life Insurance sales, but you need to get the (X-date) ...
P&C symbols	5/21/2008
Q: I have an employee that just took the P&C exam for MD and said there were 5 questions regarding ... A: Kelly, hello! She is welcome to call me (no charge) and we can discuss the questions. I'm in ...
Property & Casualty Insurance (Auto)	5/19/2008
Q: Thom, First and foremost, I would like to commend on the great responses that I’ve read so far. I’m ... A: Cameo, hello! In order to target the auto market in the Albany area, you need to have competitive ...
Property Insurance Claims	4/17/2008
Q: I own several homes in Minnesota and would like to submit multiple insurance claims on different ... A: David, hello! If you have any claim, you need to discuss it with the Claims Department of the Home ...
P&C agent pre-licensing course	4/13/2008
Q: Mr. Brooks, I'm trying to find an online school which will fulfill GA's 40 hour classroom ... A: Jana, hello! The Life, Accident and Sickness course is offered online to satisfy the 40 hour ...
Co-Op fire property damage dispute	4/8/2008
Q: My wife and I recently purchased a co-op. We then had a small fire and incurred minimal damage ... A: K, Hello! Yes, you are liable for the damage to your neighbor's bed and rug. His company may pay ...
start-up agency	3/29/2008
Q: Wanted to ask you if starting a new agency without buying a book is impossible or nearly impossible. ... A: Greg, hello! Without experience or a block of business, most Property and Casualty comapanies will ...
Becoming an Independent Property and Causality Ins. Agent in Michigan	3/25/2008
Q: I am in the process of obtaining my Property and Causality Ins. license in the state of Michigan. I ... A: John, hello! You need to contact the Michigan Insurance Department to be certain that the companies ...
sale of damaged property	3/13/2008
Q: I have a home in Douglas County in Georgia that was damaged by tornado. I am interested in selling ... A: Keem, hello! I do not have the names of purchasing companies, but you can contact the local ...
Property & Casualty License	3/13/2008
Q: I am considering a business opportunity to sell Pet Insurance for company called Trupanion. I wanted ... A: Gordon, hello! Yes, you would need a Property And Casualty license, but you could possibly be in a ...
insurance agent vs. insurance broker	3/11/2008
Q: I just recently obtained a fire and casualty license and got a job as an insurance agent with Solo ... A: Adam, hello! Not knowing the state you reside, I may not give the exact information, but we'll ...
Car was damaged in AMF Bowling Center parking lot	3/3/2008
Q: My car was keyed on both sides and human feces was put on the drivers side window. The Bowling ... A: Brian, hello! Initially, you have no rights to litigate them. However, you may want to contact an ...
pretesting?	2/27/2008
Q: Is there a site where I can take a sample test and get some practice in on a Mn p&c test? I have ... A: Sarah, hello! You would need to contact the MN Insurance office. They will advise what study ...
Umbrella Insurance	2/20/2008
Q: I know someone who has property in both Georgia and Tennessee. They want to obtain a $2 million ... A: Ally, hello!! The drivers license would be a company underwriting requirement. Other companies ...
do i need a credited h.s diploma?	2/20/2008
Q: thom hi!! my husband is interested in obtaining his p & c license, but he has only an unaccredited ... A: Michelle, hello! No, he can get the license without a diploma, however, SOME of the insurers (over ...
Car damaged on work parking lot.	2/18/2008
Q: I worked a night shift at McDonalds from 11pm-7am. Our policy is that the staff with vehicles are to ... A: Christen, Good Morning! Unless the company can be shown to be Negligent, your claim of Vandalism ...
THOM BROOKS	2/6/2008
Q: YES SIR GOOD EVENING MY NAME IS GREGG, YESTERDAY I E-MAILED CONCERNING MY DECEASED MOTHERS ... A: Gregg, hello again! If each of you are sharing in the estate, as Per Capita beneficiary, you each ...
THOM BROOKS	2/6/2008
Q: yes i want to know if i can get insurance on my deceased mothers house which was left to 4 of us but ... A: Gregg, hello! Yes, you can purchase (or continue) the insurance. The insurance company would ...
insurance adjuster	1/29/2008
Q: Brooks, I stumbled upon this website researching information about requirements to obtain my ... A: Robert, hello! Yes, I've taught around 39,000 students so I'm active in teaching. If you email me ...
getting on work panel for physicians	1/27/2008
Q: I am the office manager for a Ortopedic Physician just now starting is practice. How does he go ... A: Karen, hello! He would need to contact the Workers Compensation Board of your state, and/or the ...
contracting insurance	1/24/2008
Q: My Father is starting a general contracting company (Home improvement) ..How does he go about ... A: Tinamarie, hello! He can contact the local independent agencies. They have access to brokerage ...
Home Owners affected by Moving Claim?	1/24/2008
Q: To make a very, very long story sorta short, I moved with a horrible moving company that damaged ... A: Sammy, hello! CLUE would be for your personal property from your Homeowners. I assume the person ...
P&C License	1/22/2008
Q: Can you tell me the fastest way to get my p&c license in California. A: Claude, hello! If you contact the Insurance department in Sacramento, they will advise the ...
Fire Damage	1/10/2008
Q: We had a fire in between our chimney and wall last week and although insurance is covering the cost ... A: Natalie, Hello and Happy New Year! What you have stated is the usual and customary manner any ...
own agency	1/7/2008
Q: I worked with an insurance company for 15 years. I have obtained my P & C license and taking Life, ... A: Karen, Happy New Year! I congratulate you on starting your own world, but be careful. You can get ...
a	12/17/2007
Q: what kind of license do you have to have if you wanna sell auto insurance A: bataa, hello. Depending on that state you seek to get the license in, you would need one called ...
New to the insurance business	12/7/2007
Q: I will have my Fire/Casualty and Life licenses this coming January. I'm not sure if I should sign ... A: Ryan, Good Morning! I have taught over 38,000 students in my schools, from all companies including ...
Workers Comp Panel of Physicians	12/5/2007
Q: The work comp panel of physicians form was revised in 2006. Would you happen to know what the ... A: Amanda, hello! I'm in an off week, but will be back in class next week. If it's not too late, I ...
Property & Casualty Markets	11/21/2007
Q: National Underwriter publishes a directory of Who Writes What for the Life/Health industry. Does ... A: Julia, hello! The one that comes to mind first is the Property and Casualty Guide, by, A.M. Best ...
House Fire due to Lightning Strike	11/18/2007
Q: Our home was struck by lightning in late August and the series of events is almost exactly like the ... A: Ron, hello! If you show the Insurer this email about the brick about leaning, I don't think you ...
Insurance Adjuster/ Independent Agency	11/15/2007
Q: After putting my aspirations to become a private investigator on hold for awhile, I am considering ... A: Good Morning, Mike. Depending on the state you're in, you would need to take an Insurance ...
Replacement Value in Personal Property	11/13/2007
Q: I have recently been paid the replacement value on items that I have turned in. Upon looking ... A: Luana, hello! When you have Replacement Cost coverage, it typically pays the Actual Cash Value ...
our son's injury	11/9/2007
Q: our son was driving a friends motorcycle and our son does not have a motorcyle license, nor did the ... A: Patti, I cannot give you THE answer to your dilemma, but will give you some points to investigate. ...
Professional decision	11/6/2007
Q: I got the 2-15 and Series 6 License last year, and I have been working in the Industry one year, ... A: Isabel, hello! When you say 2-20 license, it sounds like you're talking about the name Florida uses ...
insurance sales	11/6/2007
Q: Recently I decided to pursue my insurance license for the State of Arizona. The idea was presented ... A: Jim, the companies are magnificent. The commission splits are extremely favorable to you, even if ...
insurance sales	11/6/2007
Q: Recently I decided to pursue my insurance license for the State of Arizona. The idea was presented ... A: Jim, Your anxiety is normal for First Year Agents. If you cannot overcome the frustration, then the ...
NY SFP	10/23/2007
Q: Who authored the New York SFP? A: Brian, it was invented in part, by Benjamin Franklin and the Philadelphia Fire Society in the ...
Fire Damage	10/19/2007
Q: Since I'm not familiar with Prop, thought I'd ask an expert. My neighbor's house was struck by ... A: Michelle, Good Morning! The neighbor has legal rights. First, the neighbor can disagree with the ...
Property Claim	10/14/2007
Q: Recent fire to my house. Much of my property was damaged - either lost, or damage by ... A: Chris, hello! Your policy will describe if you are covered for Actual Cash Value (where the ...
Property Claim	10/14/2007
Q: Recent fire to my house. Much of my property was damaged - either lost, or damage by ... A: Chris, hello! The companies know what is on the list but may not have a "list" that you request. ...
property hazard ins.	10/6/2007
Q: can I buy my own property insurance with no contents or liability coverage? Have lender placed now A: Judith, hello! Yes, you can buy your own property insurance without contents or liability coverage. ...
Property Loss Due to Fire	9/25/2007
Q: In April my garage caught on fire. The insurance company (USAA) has paid for all of the ... A: Ginger, hello! USAA will pay the ACV of the contents lost and then cut a second check for the ...
Hurricane Wilma	9/19/2007
Q: Is there a deadline to file a claim for Hurricane Wilma (Broward County, Florida). I had POE. I did ... A: Alexandra, hello! You need to file the claim and get a formal denial. They are not correct if they ...
Neighbor's tree leaning	9/17/2007
Q: I live in Atlanta and there is a large hickory tree that is rooted just across the property line on ... A: Greg, hello! If the tree belongs to your neighbor, you have the right to cut back the branches that ...
New Business	9/14/2007
Q: I been working in the insurance business for a little over a year first I worked for a big company ... A: Nate, hello! I applaud you for your ambition, but if you start a scratch agency without much ...
Fallen Tree onto Neighbor's Property	9/5/2007
Q: my situation is this: Last weekend in Savannah, GA, we had a deluge of rain in my neighborhood. ... A: Keri, hello! If they have proof of a letter in which they "Shifted Liability" by making you aware ...
Fallen Tree onto Neighbor's Property	9/5/2007
Q: my situation is this: Last weekend in Savannah, GA, we had a deluge of rain in my neighborhood. ... A: Keri, hello! I also live in Savannah and watched the rains along with you! If the tree was a green ...
PC Sales?	8/27/2007
Q: "I currently am a small commercial/farm underwriter for a statewide insurance company. I have been ... A: Beat, The path is going to be rough at times and it depends entirely on how you control your sales ...
Home fire	8/14/2007
Q: I live in Central Indiana. I have Farm Bureau homeowners insurance. I have an HO-3 policy and what ... A: Matthew, hello! I cannot give you a straight answer without seeing the details of your coverage and ...
Vacant rental property	7/24/2007
Q: I own a rental property that was ocuipied by a teanant and now it is vacant.My insurnce company ... A: Bob, hello! Depending on the policy language, you have a Vacancy Condition (either 30 days or 60 ...
Coop Fire Insurance - Faulty wiring	7/23/2007
Q: I purchased a coop a year ago in downtown Los Angeles for my son, a college student. I never thought ... A: Maria, hello! I am sad to hear of your losses. Your first duty was to insure the property. With ...
Obtaining P&C License	7/12/2007
Q: I live in California and was wonder what is the best way to obtain my P&C License? Thanks Kathy A: Kathy, hello! You need to contact the California Insurance Department in Sacramento. They will ...
OWNING MY OWN AGENCY	7/11/2007
Q: I have a P&C license for the state of Arizona and a non-residence license for Nevada. I am ... A: Rhoda, Good Morning! One of your first steps is to contact the Florida Insurance Department in ...
sub-contracting insurance law	7/9/2007
Q: my uncle wants to know who has to carry the insurance when hired to sub-contract, (he is a mason and ... A: Louise, the Uncle's Homeowner's Insurance would likely pay if the Insurer determines the work was ...
sub-contracting insurance law	7/8/2007
Q: my uncle wants to know who has to carry the insurance when hired to sub-contract, (he is a mason and ... A: Louise, hello! It is entirely up to who negotiates to carry the Insurance coverage. The Mason, ...
Property Loss	7/5/2007
Q: I had my professional camera equipment ($6700) and my sunglass ($200)stolen out of my car which was ... A: Jay, hello! If you did not list your equipment at business use, the standard Homeowners policy will ...
Fire Damage Homes for Sales	7/4/2007
Q: I am interested in purchasing homes damaged by fire where the present owner does not want to deal ... A: Raul, hello! You can contact the state Insurance Department. Here in Georgia, the Insurance ...
P&C - How can I improve my business?	6/25/2007
Q: I have been in business for almost 5 years. I started my business from scratch. My clientle is ... A: Larisa, hello! It is an honor for you to listen to my thoughts. Hope we hit your target. First, ...
homeowners insurance inspections	6/13/2007
Q: Is it legal for an insurance company to issue you a policy first then inspect your property a month ... A: Susan, Good Morning! Yes, they have the legal rights to inspect the property they insure. When you ...
Brook Franchise	6/13/2007
Q: I currently work as a sales agent for 21st Century Insurance Company, and for a while now I was ... A: Natan, Hello! I spent a week in San Diego for my son's weddking two weeks ago and have been one ...
Property and Casualty	6/7/2007
Q: Good evening Thom, I am currently licensed for Life, Accident & Health, but I want to add P & C to ... A: Shonnette, The Georgia Insurance Department will have a listing of approved schools. I teach in 5 ...
I just got my P&C license.....	5/30/2007
Q: My question is, I recently just passed my P&C licensing test for the state of California. I want to ... A: Ben, Good Morning! I am in San Diego for my son's wedding this week and have been away from the ...
P&C broker license	5/26/2007
Q: I got a broker license, I dont have any experience however I do understand a use of working for ... A: Yuliya, hello! It's difficult to start from scratch. Most P. & C. companies want you to have the ...
PC Sales?	5/21/2007
Q: "I currently am a small commercial/farm underwriter for a statewide insurance company. I have been ... A: Beat, hello! With your background, it appears you have the drive to be successful regardless ...
fallen tree	5/20/2007
Q: who's responsible to clean up a fallen tree. A: Jeanne, hello! Who pays for a fallen tree depends on a number of things. If you have a tree that ...
PropertyLossClaimGuidancePlease	5/13/2007
Q: This is lengthy, but so important to my little life right now. please help in any way you are able ... A: Heidi, hello! Hope I can help. Sorry for your loss and for your anxiety. Things will work out! ...
P&C licensing	4/16/2007
Q: I own a pet care bus. in nevada and would like to sell pet insurance. Where could I get a license ... A: Jacquelyn, Good Morning! You will need to contact your Insurance Department in Carson City, at: ...
Florida Co-op Hazard Insurance	3/31/2007
Q: My 12-unit Hollywood, Florida Co-op has its Hazard insurance through Allstate who has classified the ... A: Cathleen, you may be getting two copies of this email. I pushed the wrong button! 1. All-State ...
earthquake insurance	2/16/2007
Q: I have been with Allstate for many yrs.--home and auto--I live in so. IN--the very toe of the boot. ... A: Bill, hello! You have several course of decision making! You can contact an Independent agency ...
insurance for park modle home	1/5/2007
Q: My grandfather is looking to put a new 11x34.10 park modle home on our property in NC. He is going ... A: Wendy, hello! Homeowner policies typically exclude Flood coverage, but Mobile Home policies often ...
Vandalism	12/6/2006
Q: A xoman is raped and stabbed in her bed and the blood and knife damages her personal property (bed, ... A: Mary, hello! If the policy has the peril covered, it would be paid under VMM (Vandalism and ...
question about the casualty side	11/2/2006
Q: I am trying to get licensed and i have passed the property side of the test but i am making very ... A: Ashley, no matter what state you're taking the exam for, the Casualty part of Property and Casualty ...
Property damage	10/18/2006
Q: ------------------------------------------- The text above is a follow-up to ... Thank you for your ... A: Jan, hello! You need to explain that to the insurer. They may offer a fair settlement that will ...
Property damage	10/18/2006
Q: Cable company service man scratched my lcd hdtv screen on tv. Cable company submitted claim to their ... A: Jan, hello! Sorry for your aggravation! First, you must cooperate with the Insurer's reasonable ...
STARTING MY OWN AGENCY	10/5/2006
Q: I just have a quick question, I'm thinking about opening my own insurance brokeage, One of the ... A: Andy, hello! You need to contact each Insurer and they will advise how they require it. Some of ...
Covered or Not?	9/29/2006
Q: Me and my fiance purchased a home on 7-24-06. We had someone break in on 8-12-06 and steal ... A: Carol, hello! Your question is very difficult to answer without my being able to see both sides of ...
car accident with no insurance	9/26/2006
Q: I was rear ended i didnt renew my insurance which expired on the 7/10/06 my car didnt recieve much ... A: Howard, hello! My son was 16 when he was rear ended at a red light. The seat belt snatched his ...
Starting as an insurance broker	9/5/2006
Q: After coming back from Iraq, I'm in the medical field in the army and served as a convoy medic and ... A: Sebastian, hello! If it is available, a good thing would be for you to buy an established Agency! ...
Im a new p & c insurance broker	9/3/2006
Q: Another question I have for you is: Is there any schools, courses, sites that teach you how to start ... A: Sebastian, hello! While there are some consulting people that can advise how to start and manage a ...
Starting as an insurance broker	9/3/2006
Q: After coming back from Iraq, I'm in the medical field in the army and served as a convoy medic and ... A: Sebastian, Thanks for your service to our Country. I am thinking of the troops every single day. I ...
Homeowner insurance	8/25/2006
Q: I live in NYC and I own a Co-Op. I had a flood in my 5th floor apartment almost 3 months ago that ... A: Daisy Tom, I'm sorry for the stress and financial loss you are enduring. Your biggest problem is ...
franchising a new independent agency ..	8/15/2006
Q: Thom, I'm planning to open a new ind. agency and have been approached about purchasing a ... A: Jh, Hello! I would suggest writing Pros vs. Cons on the same page. In reviewing the contract ...
Nationwide Homeowner's Insurance	8/7/2006
Q: Mr. Brooks, I was recently contacted by my Nationwide agent and offered a lower rate on my ... A: Fred, hello! My son has worked with Nationwide for the past 4-5 years in Savannah, Ga. I do not ...
homeowners ins	7/31/2006
Q: do you guys write insurance for florida residence or do you know of some that do? thanks A: Bill, hello! I suggest you contact the Florida Insurance Department in Tallahassee. They will ...
umbrella insurance	5/21/2006
Q: I have a family of four drivers ,two being 17 and 19. Should I add umbrella insurance to my ... A: Mary, hello! I tried answering your inquiry a few days ago and keep getting a reading error. The ...
Condo	5/16/2006
Q: What would be the best kind of policy a Condo Assn could carry. Would it be property coverage ... A: The best kind of Condo Association Coverage would be the one called Special, with Replacement Cost ...
Homeowners insurance	4/21/2006
Q: I am a Japanese working for a housing company in Japan. I myself am not involved in the home ... A: Toshio, hello! 1. The Homeowners business is continuing to grow in the USA, but the catastrophic ...
Thinking about becoming a captive agent	4/6/2006
Q: I am seriously thinking about becoming a agent. I have an opportunity to purchase the servicing ... A: Sam, hello! Some of the dangers in assuming an established agency are: 1. How much is personality ...
Rental Cottages- insurance...	3/10/2006
Q: My husband and I own a small cottage rental business. There are 2 rental cottages on the same ... A: Irene, hello! Depending on the state you're in, and the insurer you have your home insured with, ...
building code upgrades	2/18/2006
Q: We have been displaced out of our home since hurricane Charlie. We have finally settled with our ... A: Joni, hello! I'm sorry for your stress. I have a house in Sebring, Florida that was also hit by ...
Career change : Interested but lots of questions	2/17/2006
Q: Thom, I'm strongly considering the insurance business (property/casualty) as a permanent career ... A: Bill, hello! One of my former students has moved back to Texas and I'm trying to remember if he's ...
fair auto value	8/28/2005
Q: I was recently involved in an auto accident in which my vehicle received major damage. The accident ... A: Patricia, hello! I coach a men's baseball team and just got home. My hands are numb from clapping ...
Causualty Insurance for Homeowners	8/27/2005
Q: I am buying a new property in PA and we are getting a construction loan built into our mortgage. We ... A: Kim, hello! I just got back from officiating a football game and my fingers are numb! My son works ...
insurance	5/17/2005
Q: I want to get insurance but can u recomment some changes in what I presently have. I thank you. I am ... A: Dee, hello! You have a number of areas to consider. Some of my first impressions is that buying ...
total destruction of home	3/19/2005
Q: My mobile home shifted on its blocks after 3 hurricanes and the insurance adjusted alloted for ... A: Diane, the standard policy language applies until there is a catastrophic loss such as the one many ...
Insurance	1/26/2005
Q: Please advise me on what kind of insurance, who offers it and what it would cost me to protect my ... A: Stewart, hello! You need Commercial General Liability! It should be set up to cover something ...
My mother-in-law fell at our...	12/3/2004
Q: My mother-in-law fell at our house while helping us move a piece of furniture. She is unemployed ... A: Karen, hello! Sorry for your Mother in Law's injury. If you file a claim, a number of things can ...
Independent Agent	10/14/2004
Q: What's the best way that one can become an independent insurance agent today? I used to sell a ... A: Mike, good morning! The first step is to contact your state's insurance department to find out the ...
Out buildings	10/3/2004
Q: Is there a benefit, premium wise, to the removal of unused/dilapidated out buildings? Is it ... A: Jeff, hello! Your Insurer would likely advise that you have a higher risk BECAUSE of the ...
Insurance Licensure	8/19/2004
Q: My question is regarding licensure and area of work. I have a friend in the mortgage business who is ... A: Heidi, hello! The requirements for getting an insurance license can vary from state to state. I've ...
Engagement Ring Stolen	8/10/2004
Q: My wife's engagement ring was recently stolen and I'm in the process of the claiming the insurance. ... A: Ignacio, hello! Sorry for your loss. If you insured it on what is called an Agreed Value basis, ...
Hello	8/5/2004
Q: I didn't know how else to contact you. I have misplaced (shame on me) your eMail address. Don't ... A: Angie, hello! I sent a message to you about an hour after you had emailed me and apparently it ...
Insurance	7/19/2004
Q: While away on vacation, there was a power surge at our house that caused the electricity to our deep ... A: Doug, hey! I was teaching yesterday and then coaching our baseball team, The Mavericks, last night, ...
Property Claim	7/12/2004
Q: But it is still not clear on the following: for a claim to be entertained under malicious damage, ... A: Sako, I do not fully understand who this person is, but they committed vandalism/malicious mischeif ...
e&o	6/17/2004
Q: where can i find E&O insurance thanks A: Alonzo, hello! You can get quotes from the yellow pages under the independent agencies. They will ...
Insurance on Rental Property	6/15/2004
Q: I was just noticed that on my insurance policy for my rental property which is a mobile home that ... A: Angela, hello! Yes, your rates can increase because the company may change your policy to a ...
Home insurance	5/11/2004
Q: Greetings from a fellow "all Expert" (Walt Disney World) I have a question regarding homeowners ... A: Ron, hello! First, your Homeowners does not insure the land. The Replacement Cost should be based ...
Recovery of Stolen Property after Settlement Loss	5/5/2004
Q: I am receiving a settlement loss payment from my homeowners insurance for stolen property from my ... A: Alice, hello! Yes Ma'am, the first step is to notify your Insurer's Adjuster in the Claims ...
Auto Insurance	4/14/2004
Q: Brooks, I've been a Master's Degree student for three years and haven't carried any auto insurance ... A: Mike, hello! You will need to buy Physical Damage on the vehicle, ( Called Coverage for Damage to ...
looking for some help	4/11/2004
Q: I have an interview with a company specializing in property casualty insurance in the US and was ... A: Ethan, hello! I'm not certain what research you need before the interview, but perhaps I can get ...
Contractors insurance	11/3/2003
Q: I am looking to go on my own as a Sub-Contractor for Cabinet installations and finish carpentry,in ... A: John, you may be gettting a duplicate answer from me because I somehow cut the first letter off! I ...
Property loss	7/1/2003
Q: I own an apartment building. A few days ago, a pipe burst in a basement apartment and a few inches ... A: Jon, Good Morning! I do not know the type of Commercial Property policy you have but here are some ...

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