Each year my family packs up and heads to Cape May New Jersey for a week of fun with my in-laws, my wife’s brother and sister as well as their families. Now this is something we have been doing for years and have not really given any thought to insuring. See your homeowners policy has some coverage for you as does your umbrella policy if you have one. Also, realistically you cannot insure everything in your life sometimes you just have to live and deal with what may come up.
**Going off topic, will be going a bit personal and not talking much insurance**
So it has been the worst four week stretch in my life. Started with the sudden death of my older brother followed by four weeks of floundering about. I am finding that the floundering about, trying to get back to full speed part to be especially annoying and difficult. Normally there is an article, book or mindset I can apply but none of what I know seems to be working. Either way, you must keep moving forward.
In the aftermath of Hurricane Sandy, and as part of the vehicle inspection process, you may identify cars that have sustained flood damage.
Here are some reminders on identifying possible flood damage. Please be sure to:
> Examine upholstery and carpeting closely; if it doesn’t match the interior or fits loosely, it may have been replaced. Discolored, faded or stained materials could indicate water damage.
> Look for signs of mud or silt on the exterior, including the wheel wells.
> Look for signs of mud, silt, water, or moisture on the interior, including the dashboard.
> Identify moisture, or water lines, in signal lamps.
Yes, it is true that as of 11/11/12 I have been employed in the insurance industry for ten years. Of course I have learned an uncountable amount of information and a new lesson is learned or reinforced weekly if not daily. So to keep this a reasonable read I’ll pick 10 things that stand out.
1. Give all things a chance to work. Yes, your instinct is correct most, but not all ,of the time. In my case I stumbled into insurance having just finished a brief career in Football. I have yet to meet anyone that set out with the intention of working in Insurance but I have met a lot of people that did not give themselves a chance to be successful in insurance.
Not just today but everyday! Yes you can vote for the president today as well as your local senators, assembly people, libraries, etc. That is great and personally I feel you have an obligation to express your right as a citizen and go to the polls. But, as I see it, your most important votes come the other 364 days of any given year.
So as this is typed a hurricane is affecting North Caroline up to Northern New Jersey. With this storm as in any other there will likely be lots of claims filed. So what can you do? Well take a deep breath and realize that ALL companies have done everything they can to mobilize their claim units and it still may not be enough. Please try and be patient and instead try doing some of the following things, these are some ideas I have developed and used over the last ten years that work.
I had the privilege of getting an advance copy of The Impact Equation and loved it. Was honestly on the fence about Chris Brogan but since his Sunday Conversations and now this book I know why he is worth my time; because his ideas along with those of very few others will advance this economy to a new wonderful place. If you subscribe to new economy thinking of people like Seth Godin and Gary Vaynerchuck this should go right up there with what they have written. Here is the catch this book is worth way more if you actually use the book then just read it and enjoy it.
3 months to go, what have you done?
12 things to do in 2012 to help your bottom line
- Get your teeth cleaned
- Update your life insurance
- Get a physical
- Review your auto insurance(Call Bill)
- Get your furnace serviced
- Donate to a charity or cause
- See your accountant
- Review your home insurance(Call Bill)
- Review your health insurance
- Update your will
- Take a driving course(www.theinsurancebill.com)
- Smile More
for a good experience, especially one that brings some convenience to my life and if it saves time even better. This isn’t to say I will grossly overpay for something or that I will not do some homework to make sure I am paying a reasonable price. It is to say that it is my money and I am always trying to maximize any and all experiences. If that means I can get the product/service I am looking for and buy from a person I like and all it costs is a few more dollars, count me in.
Don’t sell me……….Help me buy
Don’t build to a close………build a relationship
Don’t “Ben Franklin” close me?………help me buy showing the why
No fear of loss…….stick to why you are a good person to buy
Don’t close me………..make me open to a new relationship