Shepard Insurance Insights

Hurricane Lee - Another Weather Warning Being Prepared At this point it is a bit uncertain whether Hurricane Lee will have an impact on the east coast, but taking steps to minimize the impact is sensible as it roars up the Atlantic. "remember that flood, or water coming from the outside is a primary exclusion [...] Read More

AIG Private Client Group Continues Its Personal Insurance Exit Strategic Moves to Control Climate Exposure Climate continues to challenge insurance companies on how to control the exposure to devastating storms nationwide. All insurers are searching for an answer to storm or wildfire damage. "Allstate has discontinued writing new home insurance in the state of Connecticut" [...] Read More

UM/UIM: Important Acronyms in Auto Insurance! What Happens When the Other Driver Has No Insurance, Or More Likely Low Insurance limits? Most auto insurance policies have UM - Uninsured Motorist coverage. A lot of policies include UIM - Under Insured Motorist coverage as well. These two coverages on your auto policy can be vitally important [...] Read More

Flood Insurance A Rising Impediment to Home Sale and Purchase On April 1st Federal Emergency Management (FEMA) and National Flood Insurance put Risk rating 2.0 into use. They termed it “Equity in Action”, an interesting term for an attempt to pull the Federal Flood Insurance program out of the historical bankrupt system that it is. [...] Read More

One to Four Majors NOAA predicts Hurricane Season Storms The National Oceanic and Atmospheric Administration (NOAA) has published their scientific prediction for Hurricane Season Storms for 2023. Hurricane Season runs from June 1 through November 30th and the prediction is for a “near normal” season. “NOAA predicts Hurricane Season Storms" What does Near Normal look [...] Read More

Are you aware of SMISHing? How well are you protected? How well do you protect your identity? Is your phone password an easy hack like 114477, the left login keys? Do you store your usernames and passwords for important financial accounts on your phone? “How well do you protect your identity?" You could be Smished? [...] Read More