Please click the image below to download your free Hurricane Guide courtesy of Heritage Insurance:
And from all of us here at AJ&C Garfunkel Insurance, good luck to you and all your loved ones. We'll be here to help with insurance claims as soon as we can after Florence passes.
With yet another unpredictable hurricane season upon us, we are faced with the grim reality that too many home and business owners remain without flood insurance. A local Houston, TX news station recently aired a short piece about flood insurance requirements and disaster assistance. Choosing to forgo flood insurance and instead depend on disaster assistance could be a very large financial mistake. Assistance may be denied if it was provided in the past and the property owner has failed to secure or maintain flood insurance.
Despite the fact that not everyone loves American football — particularly in light of its recent politicization via the "Take a Knee" campaign — most everyone loves a party.
That makes the ad hoc holiday known as Super Sunday a time for football fans and foes to come together to eat, drink and play armchair TV critic
Insurance-related risks are not always obvious and could result in a costly uninsured surprise for commercial leaseholders.
The United States will experience its first coast-to-coast total solar eclipse since 1918, on Monday, August 21.
An estimated 500 million people across North America will be impacted as the moon passes between the sun and Earth in the 70-mile wide path of the total eclipse.
Hurricanes can cause widespread devastation in just a few hours.
Extreme winds, harsh rainfall, floods, storm surges and even tornadoes can work together to create one of the most destructive scenes a community may ever see.
A moving violation ticket will leave a bitter taste in any driver's mouth.
They will spike a driver's auto insurance premium, and many come with hefty financial penalties. But depending on the violation or which state the driver is located, it could be an extremely burdensome on a driver's wallet.
It’s tax time, and for hackers, it’s their favorite time of the year.
With the amount of personal and financial information traveling through cyberspace, there are plenty of opportunities for them to steal personally identifiable information (PII), tax refunds and other personal details about taxpayers.
Insurance needs change as circumstances in your clients' lives change, which is why an annual insurance review is recommended by the Insurance Information Institute. When you’re reviewing insurance coverage, these 10 questions can help insurance professionals and their clients figure out whether they may need to make a change to coverage:
1. Have you gotten married or divorced?
If you have gotten married, you may qualify for a discount on your auto insurance. Couples may bring two cars into the relationship and two different auto insurance companies, so take the opportunity to review your existing coverage and see which company offers the best combination of price and service. If you are merging two households, you may need to update your homeowners' insurance. And you may want to consider increasing your insurance for any new valuables received, such as wedding gifts, and for jewelry, such as wedding and engagement rings. After getting married, it is important to review your life insurance needs. If one spouse is not working, he or she might be dependent on the working spouse’s income; if so, reviewing life and disability insurance coverage is prudent. The spouse who is not working outside the home should also consider having a separate life insurance policy because, in the event of premature death, the services he or she provides for the household would need to be replaced, and that could prove costly to the surviving spouse.