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Personal Lines

    FLOOD INSURANCE

FLOOD INSURANCE

FLOOD INSURANCE Will the private market be big enough to make a big difference? By Joseph S. Harrington, CPCU We’ve come to a significant milestone in the troubled history of U.S. flood insurance. As of July 1, 2019, real estate lenders seeking to sell mortgages to federally sponsored secondary market agencies (Fannie Mae, Freddie Mac, etc.) are required to accept private flood insurance policies on collateral properties, provided those policies

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    CARING FOR “COMRADES” AND CLIENTS

CARING FOR “COMRADES” AND CLIENTS

PERSONAL LINES FOCUS CARING FOR “COMRADES” AND CLIENTS Successful personal lines marketing recognizes the importance of team members and customers By Dave Willis, CPIA Personal lines marketing involves many approaches. But two agencies—past Rough Notes cover honorees—accentuate the “personal” in how they market. Their tactics formed the foundation for a session they led at this year’s Hawksoft Users Group meeting in Las Vegas. Two key elements, they believe, are caring

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    RAIN ON THE ROOF—AND INSIDE THE HOUSE

RAIN ON THE ROOF—AND INSIDE THE HOUSE

Dig a Little Deeper By Bruce Hicks, CPCU RAIN ON THE ROOF—AND INSIDE THE HOUSE Are appraisal provisions contained within insurance policies meant to settle coverage issues? The Court Decisions column is one of the most popular features of Rough Notes magazine. One reason is that the courtroom is where the promises made in an insurance contract often become real. All insurance professionals can develop “what if” scenarios, but until

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    BAD FAITH REFORMS AND AUTO INSURANCE AFFORDABILITY

BAD FAITH REFORMS AND AUTO INSURANCE AFFORDABILITY

To The Point By Mary Ann Cook BAD FAITH REFORMS AND AUTO INSURANCE AFFORDABILITY Personal auto insurance affordability is a major issue for Florida drivers and insurers Florida is the second least affordable state in the country for auto insurance, according to the Insurance Research Council (IRC), a division of The Institutes. A recent IRC report found that the average household in the state spent 2.45% of annual household income

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    EMERGING RISKS

EMERGING RISKS

EMERGING RISKS Scooters and shooters and drones, oh my! By Christopher W. Cook Bob Dylan said it best back in the ‘60s: “The times they are a changin.’” And as the times change, so do the risks involved with everyday life, especially as technology continues to advance. The ‘60s saw a focus on health issues linked to smoking—leading to adjusting insurance premiums based on tobacco usage—and the challenges of the

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