Personal Lines

Does Ordinance or Law Coverage Apply to Rot?

A homeowner experienced a wind and hail claim to his roof and it was found that some of the decking was rotting. Local building code says rotting decking should be replaced.

Top 5 Most-Read Articles in Independent Agent in July

July started with a bang as the Big “I” secured important wins for independent insurance agencies in the “One Big Beautiful Bill.” And despite mixed results for the property & casualty market, the Big “I” 2025 Market Share Report, showed the independent agency channel is holding steady.

Beyond the Policy: The Agent’s Role in Building Safer, Smarter Homes

Insurance isn’t just about coverage, it’s about counsel. Learn how agents can guide homeowners through cost-effective, high-impact steps to reduce claims and protect what matters most.

Woman looking at a wall damaged after the earthquake. She using smart phone for communication and for photography. Damage assessment and consultation

Weathering the Storm: How Agents Can Empower Safer Homes in an Era of Extreme Weather

With billion-dollar weather events on the rise, the role of the insurance agent is evolving. Explore how agents can become trusted advisors in home resilience and risk mitigation. 

Business professionals engaged in a financial consultation, reviewing documents and graphs. Emphasis on collaboration, advice, and planning in a corporate setting.

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