After storms rolled through the area last week our office fielded a number of calls about downed trees causing damages. A Partner at Phillips Stafford Insurance Group even had to deal with this very situation when his tree fell on his neighbors yard. So, who's responsible for the cleanup? The tree owner or the property [...]
For most of us spring is a welcomed change of pace. We put away our snow blowers and ice melt in favor of a much more enjoyable past time, camping with our family and friends. If you're like me and my family we use our camper just enough to barely remember how everything works. Our [...]
Basement flooding and water backup can be a major problem, especially if your house is on a lower parcel of ground. During continued periods of rain the ground becomes saturated. At some point it becomes so saturated that it can no longer collect the water that is falling. These are optimal conditions for water leaking [...]
When buying a vehicle you often think about maintenance costs, fuel consumption, and even the cost of car insurance. But one thing you may not consider is how likely that vehicle is to be stolen. The National Insurance Crime Bureau (NICB) today released a new report that looks at thefts of sport utility vehicles (SUVs) and [...]
Today families are finding it increasingly hard to make ends meet. They face a tough economy and a cost of living that seems to be always on the rise. Sadly, one consequence of this is that when choosing their auto insurance price becomes the main factor. You might be thinking, what is wrong with that? [...]
Life is priceless. This is often how we feel when it comes to our own life, or the life of our family; wife, husband, children and even our parents. Sadly whether or not we want to think about it millions of people tragically lose their lives before they've truly lived them. Although we hope that [...]
Every business seeks out the motivated, talented, ambitious, and innovative employee. But not every employee will have all (or any) of those qualities. Workers that don't meet the above criteria can still have a place within a company. This is the employee deemed the "competent squatter" by R.J. Morris, director of staffing at McCarthy Building [...]
Many younger, healthier individuals could be surprised to see the cost of their insurance skyrocket 40 percent or more under the Affordable Care Act (ACA) in 2014. What's behind this? The ACA imposes a form of modified community rating which compresses the rate classes, and prohibits rating using gender or health status. The factors that can be [...]
Have you ever allowed someone to hunt on your land? Given the neighbor's kids permission to play football in your yard? Maybe you let someone park in your driveway that one time. Well, the new Iowa Supreme Court ruling may have you thinking twice about these good deeds. In a recent Iowa Court of Appeals [...]
In October of 2010, just 6 months after the PPACA (Obamacare) was signed into law, we saw the first casualty when Principal Financial Group decided to exit the health insurance market. Just a little over two years later Principal has re-entered the market with a slightly different product in a move that could become [...]
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