Insurance Team One

When you get right down to the fundamental reason you buy insurance, it is to solve a problem. If you have a fire or some other loss, it becomes a problem. Many people look at insurance as an umbrella; you open it, and when bad things happen, the umbrella is designed to protect you.

But there is a problem, which is when you select your umbrella (insurance agent or policy), how do you know it will protect you? Are you confident that when your agent provides the solution, it is actually designed to meet your risks and your needs? Not all insurance policies are created equal. If your agent does not take the time to understand your unique issues, your agent is doing you a disservice.

Problem Solvers

One of the most important things an agent can do is genuinely understand your risks, then communicate with you in a way that helps you better understand what direction is best for you. Here are some problems that your business may have:

• Obligations through leases or other legal contracts – There are many ways to address these risks; insurance may not be the best, or only, option for you.
• Increased costs of your fleet operations – Did you know that one solution might be to develop a driver safety program? It can reduce fuel expenses and accidents.

The best way to solve a problem is to first understand it. Understanding a problem involves asking questions, reviewing agreements, and visiting the facility or business.

Homeowners and insurers alike are feeling the pressure as roof claim costs have soared by nearly 30% since 2022. Driven by a mix of inflation, increasingly severe weather events, and higher material and labor costs, this spike is reshaping how insurers underwrite property risks and how policyholders experience the claims process. As roofing expenses climb, so too do premiums, deductibles, and underwriting scrutiny—leaving agents at the frontlines of a rapidly evolving conversation.

https://l.facebook.com/l.php?u=https%3A%2F%2Fwww.iamagazine.com%2Fnews%2Froof-claim-costs-increased-30-from-2022-to-2024%3Futm_campaign%3DNews%2520and%2520Views%26utm_medium%3Demail%26_hsenc%3Dp2ANqtz-9MuBPkLUyxK8KmEhQfku3M7aXmN7IhZK4J5G0vgRv3h-SH9s30taCN5QTrLBoiRA8qRaqCRAhOzh8dHWsFdKt5G74kuKZMtFlnwUQDSwthcGeRDjc%26_hsmi%3D357201174%26utm_content%3D357210084%26utm_source%3Dhs_email%26fbclid%3DIwZXh0bgNhZW0CMTEAAR6N9PcE2yM3wQjV8ORkM9Xn8dw1kCWC2JYXC5I7P4Ah04Z0NT4xyYOfpST3SQ_aem_6jo7WkHYnjRNoLlYQR83oQ&h=AT0-Ge8KT_NXv5sGv72zOjbhbPuRUDpt1rfs3R1q6TtN_Gm7TUW_g_0EIsr59cyaGfmMGfgT2vNbM1yzwuBwA2nsAH0QjVtYI-7mrKgGOfQ4SlnaWnxEPskVxDrvH3o-5HBi-cVB5W3tHg&__tn__=%2CmH-R&c[0]=AT3jhzUxgWigZgD5qrwWzVE312W66kMQPN2D8v9v8pu6CAibhqFbdVoFlWA6kCNYEFqJ9YjuUEUlz8HoXfxWnctrhf6qtsjY1kysBVcgFt1eIGwfr0wxK_TrqSFmq-UD7_ot7Ubrz8QLZYBS0IMC2PTyGIKuVKctjxFDKeCmYX1Qeo8rvu9–Q

PSA: DFW had a storm last night as you know. Unless it is an immediate issue my recommendation is to reach out to your Insurance Agent this coming week to see what/if any steps need to take place. Most Insureds will be concerned with their Roof. Your Insurance Agent should be able to send a reputable roofer to assess the damage and determine if a claim needs to be filed. In non-emergency issues calling directly into the carrier can sometimes lead to claims on your history that should not necessarily be there. Reach out to your Agent for guidance. If it is an emergency and obvious go ahead and call into the carrier.

Be aware

UPGRADED TORNADO RISK - TONIGHT & EARLY TOMORROW

We now have a medium 10% risk of tornadoes North Texas and portions of DFW late tonight and early tomorrow morning. While people are sleeping of course. Have multiple ways to receive warnings that will wake you up! Check link in comments for our alert service. Be safe all! Spring tornado season 2025 is here.

1:30 pm, 2.16.25: The National Weather Service has issued an Extreme Cold Watch, including shaded counties, effective from 8:00 pm Tuesday, February 18th through 9:00 am Thursday, February 20th. A strong arctic front will arrive Tuesday evening that will bring overnight lows into the teens - with wind chill factors that could fall below zero - Tuesday and Wednesday nights. Stay tuned to South Metro Weather for continued updates.

🌨️❄️ Know the difference between snow, sleet, freezing rain, and rain. Stay safe this winter and get the latest updates at weather.gov.

Winter Safety Tips for Your Home, Car, and Life Getting ready for winter means getting ready for winter storms, cold temperatures, and other hazards. Check out these tips for winter safety.

Winter temperatures can lead to unexpected water damage inside your home from a frozen pipe. Learn a few key tips to help prevent this.
https://encmp.as/PipesFrozen

Here are some of the differences between term and permanent life insurance. #GetLifeInsurance

As we give thanks this holiday season, know that you are a precious gift to our business. Clients like you have helped us grow and thrive, and for that, we are forever grateful.