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The Rough Notes Company Inc.

Personal Lines

    WHERE THERE’S SMOKE, THERE’S FIRE

WHERE THERE’S SMOKE, THERE’S FIRE

WHERE THERE’S SMOKE, THERE’S FIRE Carrier offers wildfire defense service Over the past few years, national attention has been directed toward the destructive effects of wildfires. Wildfires are a growing crisis and continue to cause significant damage. The latest statistics from the National Interagency Fire Center illustrate the scope of the problem; in 2017, for example, more than 56,000 wildfires burned over 9 million acres of land. These fires also

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    IN VINO NO VERITAS

IN VINO NO VERITAS

Dig a Little Deeper IN VINO NO VERITAS When unique valuation conditions are provided, review the entire condition One day the wine in a temperature-controlled wine cellar was worth $19 million; the next day it was practically worthless. The Court Decisions column is one of the most popular features of Rough Notes magazine. One reason may be that it is often in the courtroom where the paper promises made in

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    YOUNG PRIVATE FLOOD MARKET CONTINUES TO GROW

YOUNG PRIVATE FLOOD MARKET CONTINUES TO GROW

YOUNG PRIVATE FLOOD MARKET CONTINUES TO GROW Entrants offer new coverages that replace or complement traditional NFIP offerings It’s been reauthorized six   times since 2017. As of July 31, 2018, it was in danger of lapsing—a situation that’s happened before. In January 2017, it borrowed another $1.6 billion from the Treasury Department, bringing its total debt last year to $24.6 billion. By all accounts, the National Flood Insurance Program (NFIP)

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    LEVERAGE WHAT YOU LOVE

LEVERAGE WHAT YOU LOVE

Five tips for creating a niche market from a personal passion Chances are there’s something you love even more than insurance. Whether you’re a biker, art collector, or baseball fan, you can develop a specialty niche around a passion you pursue in your personal life. And when you merge your personal interests with your professional goals, the resulting sales and infectious energy it generates at your agency can be tremendous.

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    INSURER TRIES TO HAVE IT BOTH WAYS

INSURER TRIES TO HAVE IT BOTH WAYS

Dig a Little Deeper Addressing damage by sinkhole activity The Court Decisions column is one of the most popular features of Rough Notes magazine. One reason for this 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 those are tested with an actual loss and a court decision, they remain mental exercises. In

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