Brukhouse Insurance
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A Closer Look at Current Trends The insurance market, particularly the commercial property and casualty (P&C) sector, has experienced significant fluctuations over the years. These swings, often referred to as “hard” and “soft” markets, are characterized by changes in underwriting standards, pricing, and capacity. A hard market is characterized by: Conversely, a soft market is …
We are all thinking about wildfire right now and for good reason. As I write this article there are 10 wildfires burning in Colorado. Wildfires have been an increasing cause of catastrophic losses in recent years. Spurred by the lack of precipitation, wildfires have become a greater and greater threat. It is a helpless feeling when …
06/13/2018 – I woke up this morning to news of a major hail storm that came through the Southern part of our city in the early hours. These storms that are bringing baseball size hail are so common now that insurance companies are treating the Front Range, the area along I-25 East of the mountains from Pueblo to Fort …
“Are there limits to the policy that don’t show up on the declaration page?” The Declaration Page of your policy is that first page that summarizes the coverage for your property, liability, some options etc. While most quotes consist of only a declaration page and most shoppers only compare the declaration page, there can be …
This is a recent email I received from one of our valued clients. We take pride in making sure that the policies we sell will provide the protection that our clients expect and need. I think the interaction speaks for itself. ============================================ Dear Kearson, Everything regarding our claim continues to go very smoothly. The mitigation …
I can’t insure my home! If you own a home in a hilly or more forested area you may already have run into a new insurance underwriting tool being used called the Fireline Score. To learn more details about the score itself you can check out this link: http://www.veriskclimate.com/solutions/riskscape/wildfire-risk-scoring-fireline What I want to focus on here …
Do I need an inventory of all my possessions? I get this question a lot, most of the time when I insure a client’s home for the first time, this question comes up. The answer is most likely Yes. Insurance is an indemnification contract. That means that the insurance company is required to make you …
Spring is a great time to finally get into the garage you’ve been avoiding. We all like to clean up the things that were ignored during colder weather. Along with this it’s often a time to break out the summer toys and get them tuned up. If you are breaking out motorcycles, boats or atvs …
One of the worst calls for me to take as an insurance agent has to be the one where a client has experienced a loss and I have to deliver the bad news that this particular loss is not covered by their insurance policy. As I peruse various insurance complaints I am often struck with …
In today’s world I think we can all agree that there is a certain level of litigiousness. Everyone seems to be willing to sue at the drop of a hat rather than try to work out issues and problems one on one as might have happened in the past. What this does to our culture …
Spring is right around the corner. It’s a time of hope and renewal. We all look forward to seeing the earth begin to green and bloom. As you make your plans for outdoor activities and sprucing up your yard, don’t forget to pay attention to some of the issues that can dampen your spring season. …
“I own my Condo, what should I be aware of?” Condominium owners have unique insurance needs that depend on their association. Some associations have condo policies that cover the interior of each unit and even some contents for each owner. Some associations have common areas that each owner is responsible for in part. And some …
