Meet Mike! Mike is a producer specializing in both commercial and personal
insurance. His favorite parts of the business are developing relationships with his clients, educating them on the ins and outs of insurance, and taking on the challenge of finding ways to better their coverages while reducing their premiums. Head to our stories to learn more about Mike! #bradleyinsgroup#devinestinsurance#insurance#insurancebroker#commercialinsurance
0 164 hours ago
How cardiovascular screening helps detect the underlying cause of disease! • Check out our talk with @miamidoctor!
People wonder what a Wind Mitigation covers . These are the 7 areas where you may qualify for discounts for your Homeowners Insurance Policy. Having a favorable Wind Mitigation is a plus !
1 1210 hours ago
Know the difference between construction and remodeling. There is a big difference in insurance coverage! At first glance, it may seem obvious whether to consider a construction project as new construction as opposed to remodeling for purposes of obtaining builders risk insurance to cover risk of loss during construction. In reality, the distinction isn't quite so cut and dried.
It is important to understand the differences so you can get the correct type of coverage for your projects.
In builders risk insurance, new construction is defined as construction from the ground up. Generally, a builders risk policy should be purchased before construction even begins. However, sometimes there is a need to get a policy when construction is already underway and has stopped.
For example, let’s say property owner began construction with one contractor and took out a builders risk policy based on that contractor’s experience and qualifications. Midway through construction, you and your contractor parted ways. You still need to finish your project with a new contractor, and will need a new builders risk policy. This is still considered new construction.
When it comes to renovations, there are several different types of projects that can all be categorized as remodeling for builders risk insurance. The common denominator for all of these projects is that there was already a completed structure in place before the new construction project started.
Remodeling projects that can be covered under builders risk insurance include everything from installing or upgrading a kitchen or bathroom to major structural renovations. If your client purchased an existing house and intends to hire a contractor to gut it and completely renovate the property, coverage will still be classified as remodeling since there is an existing structure. What’s more, home remodeling insurance can be written to include the existing structure, or to specifically cover only the renovation.
You could be liable for medical expenses, if someone gets hurt. Call me at 900)317-1325 let’s make sure all your bases are covered.
1 1311 hours ago
Starting a business can come with many unforeseen issues. With Lee Hill & Johnston you can move forward knowing you’re covered, not just hoping. Call us today and let's make sure your business is protected.
When was the last time your insurance company (or agent) went through your insurance plan via a video explaining your coverages?
We send our clients videos because we know their lives are busy and we want them to be able to understand what they are purchasing without the hassle of a face-to-face meeting or playing "telephone tag"