Call: 203-637-6655 or email – Kyle Shepard

Category: Protecting Assets


Protecting Assets December 1, 2021

Winter Travel Tips

Whether it's to visit family during the holiday season, planning a ski trip, or just trying to escape the cold, there are plenty of reasons why you may travel this winter. A bit of preparation can ensure that you do not come home to a mess. "A leak device can provide up to an 8% [...] Read More
Home Insurance / Protecting Assets October 12, 2021

FEMA- Federal Emergency Management Association Risk Rating 2.0

What Does This Graph Say? In the graph below, the details show that there were 9 years between 2004 and 2019 that the National Flood Insurance Plan (NFIP), organized by FEMA, has either broken even, or done better, when looking at flood premiums versus flood claims. However, those 3 spike years of significant flooding has more than bankrupted the program. And now, fast forwarding to 2021 with massive flooding in Texas, Louisiana, and then the Northeast, those claims [...] Read More
Home Insurance / Protecting Assets September 27, 2021

Water Damage Claims

Another Challenge in Home Insurance Elsa, Henri, and Ida are long past, but the recovery from the flood claims linger. This creates a substantial hurdle for the real estate market. Insurance companies are working hard to understand climate change, and water damage is at the fore front. "Insurance companies are working hard to understand climate [...] Read More
Home Insurance / Protecting Assets September 15, 2021

Ida Flood Damage Intelligence

An Education with Every Disaster Seven inches of rain in less than 8 hours is an epic storm, but furthermore, Elsa, Henri, and Ida make 3 inundating rainstorms in 7 weeks. Wow! "In every challenge there is a lesson, and your education from Ida should be used for future planning." So, what did we learn [...] Read More
Avoiding a Hack!! Part 1
Comprehensive Coverage / Home Insurance / Protecting Assets June 22, 2021

Avoiding a Hack!! Part 1

Avoiding a Hack!! Part 1 Steps to Reduce Your Exposure Cyber security is in the news with an alarming rate of cyber criminals looking at vulnerabilities both for individuals and in a larger sense businesses. There are steps you can take as an individual and a family to reduce your exposure and the painful aggravation [...] Read More
What is a Hard Market?
Comprehensive Coverage / Home Insurance / Protecting Assets May 11, 2021

What is a Hard Market?

What is a Hard Market? When Homeowner’s claims out run premiums collected! "Like it or not, insurance companies are in business to make a profit" What does it all mean? Like it or not, insurance companies are in business to make a profit, or at minimum break even when they add up all the claims [...] Read More