Strategies

Many drivers assume summer road risks come from major crashes or severe weather—but most claims actually arise from minor, inconvenient, and largely preventable incidents.

A restaurant owner rents a building and has a tenant’s policy for contents and liability. A furnace caught fire and the owner says the tenant is responsible or the damage.

An elderly couple built a one-story dwelling on their property for themselves and sold the property’s primary dwelling to their child.

Nine in 10 drivers are seeing more aggressive, reckless and distracted driving. The good news is independent agents are uniquely positioned to influence driving behavior with both clients and lawmakers.

A homeowner had a loss where the HVAC system’s condensate pump failed due to a mechanical breakdown. The HO3 policy with an equipment breakdown endorsement—form 16016—with a separate $500 deductible appears to indicate the condensate pump and the resulting water damage should be covered under the equipment breakdown endorsement. The insurance carrier says otherwise.

A large portion of the industry continues to operate on core platforms designed around nightly batch cycles. Those systems were built for stability and auditability, not instantaneous updates.

New agents should focus on automating a few high-impact areas that generate revenue, strengthen client relationships and promote retention.

An insured wants to downsize. They sell their house, move in with in-laws and buy a tenant homeowners policy with a Coverage C limit of $105,400. However, thieves break into the storage facility and steal everything.

An insured had a foreign object go through his combine when harvesting. He called and reported the damage to the agent but didn’t know whether the damage would be over his $5,000 deductible. The agency submitted the claim around 50 days after the original date of loss. The company says they are only paying $2,500…

After a shopping cart was blown 30 yards across a parking lot into a client’s car, the agent believes the windstorm damage is a comprehensive loss. The adjustor says the object is a collision loss because the object must be falling to be caused by a windstorm.