Dear BrooklynNY, First of all, I'm not in your industry (yet). I'm on the collections side. I've got experience in this playing field, collecting against GA's and brokers for various breaches. Let me tell you this - GET AWAY FROM THESE GUYS - FAST! Bad news, you probably have less than a 1 in 20 cha...

Good article, Rob. Very interesting from a number of points of view. However, I see phrases like; "elusive," "...this risk is not for the faint of heart," and "It is unlikely that mold coverage will ever be that simple" just reminds me of one simple and undeniable fact....

Rob wrote:RKunz2,


There are reasons why mold is not covered. This article may offer you some insight

http://iaq.iuoe.org/iaq_htmlcode/iaq_ne ... enance.htm

Thanks for the article, Rob. I will read it.

Sanddog and Rob, Thanks for your feedback. I enjoy the different perspectives and knowledge. You're right, I don't know as much as I should about Homeowner's and I found that out back in 2003 when AAA ran me through the horn hard. What I do find to be consistent with just about any carrier these day...

8) Just received a questionnaire on our package (Homeowner's/Auto) policy from our broker. Now, keep in mind that our broker is one of the best in this area, and our policy is not a bargain basement - cheapo - policy. Matter of fact, according to the Declaration, it's says "Deluxe." So, I ...

Dear Akos: Curious as to what specifically you're looking for. Premium finance is a very specialized field, and your post did not mention specifics about geographic area, needs, etc. I have 15 years in this field on the collection side and am related to someone who's in the business (almost 20 years...

Dear Mr. Williscroft: Mr. Testone hits the nail on the head; ultimately we (the insureds) are responsible for our financial future, and the risk assessment decisions made with insurance policies. He makes a very good point, and it's the one that I attempted, perhaps unsuccessfully, to make in my for...

Agent007: Hmmm, sub-par effort on your part, kind of boring too. Thank you for pointing out that I'm a fallible human being. You're right; I did misspell "victim" and now its fixed. Me, a Master of the English language, you say? No, not even close; however, a much higher rate of literacy c...

Dear Mr. Page: Point well made. Actually, I'm one of those people (in life, not just insurance) that would consider "paying a little more", within reason, for better service. Funny thing, I thought I did research AAA, but apparently I didn't do the right research. I checked their financial...

TO EVERYONE READING IN THIS FORUM: Thank you all for those that have participated in the discussions on this topic. Believe it or not, I appreciate the opinion of all here (especially our beloved Agent007). I will still advocate to all of us "simple people" out here in the world, please be...

Dear Agent007: Thank you for your poignant rhetoric, you have once again provided me with boundless amounts of entertainment, with your words of wisdom! Lest ye fail to see that apparently you are the one that finds it troublesome to speak in words of more than two syllables, at least in a coherent ...

Food For Thought for Everyone - You make your own determination... FOR RELEASE: MEDIA CALLS ONLY May 19, 2003 (#057) (916) 492-3566 (Updated August 20, 2003) -------------------------------------------------------------------------------- HOMEOWNER INSURANCE ISSUES CLUE "" COMPREHENSIVE LO...

Dear Lisa: My pleasure to answer your questions. The nature of this claim really had 3 separate components; physical structure damage, resulting in the sudden and accidental overflow of a drain line, mold abatement (minor), and additional living expense. The cause was an A/C condensation line that u...

Dear Agent007: You're fun! I like you. Not to be too critical, but you need some new clichés. You were "born at night, but not last night." Agent007, you desperately need some new material. You know, people ARE generally smart enough to figure things out for themselves, you're absolutely ...

Dear burdronjeff: "Most consumers don't realize the surpluses that must be maintained by insurance companies to handle catastrophes,..." Really? I don't realize the loss reserve ratios that P&C, W/C, E&S, Auto, Life, Health, and other companies have to maintain to be prepared for c...