Posted On: November 17, 2006, 2:33 pm CST

Posted By: Super CSR

I have been in this industry for over 15 years and I tell you, insured's don't change. They wait until the last minute, they never received their bill, why didn't "you" the agent call them personally, afterall, they have been with your agency for over 20 years..... Wow! and It's never "their" fault !?!?

I'm sure the damage was aweful. But, we now live in a society that is driven by money, no moral or ethical values. Flood policies cancel everyday and are rewritten. But, because of the severity of it the insured saw the opportunity for gain.

Whether the payment was a day over the expiration date or the 30 grace period, if the agent has everything documented and has followed all ethical office procedures, I don't think he will really have much to worry about.

I don't think the thought process of a typical "insured" will ever change. But we as agents have to dot our i's, cross our t's and highlight important information to not only cover your license you worked so hard for but your livelihood!

Be Wise... Document... Document...Document!