We recommend that all our customers have a wind mitigation form completed for their home.

The form has been revised effective February 2012. Click here for revised wind mitigation form.

We are here to answer any questions you may have regarding wind mitigation credits.

The emotional toll for Americans who lose a friend of loved one in a motor vehicle crash has a steep financial counterpart – an average $6 million per fatal accident, according to auto club AAA.  The article also sites that the average cost of injury only car crash is $126,000.

With estimates as high as 30% of drivers in Florida are driving around uninsured it is key that you make sure that your business or family has protected its assets by purchasing high enough  liability limits.

We are here to help you understand the risks and the cost benifit of the insurance that will protect your business and family.

Floods are the most catastrophic property hazards in the United States.  Thirty to Forty percent of Flood Losses occur in non designated flood zones.  Flood insurance responds to wave wash or any type of rising water.  If Flood Insurance is not required by your commercial or personal lender you should still purchase flood insurance!  It is always a separate policy and the cost is as low as a few hundred dollars a year.

There is a thirty day wait on new flood insurance policies so make sure you are covered and buy your flood insurance today.  Don’t wait until after the storm!

The cost driver of the damage that was caused by hurricane Irene is Flood damage.

I think this article that was put out by Reuters is well written and provides some practical tips regarding coverage and claims procedures after the storm. Read it here.

As an independent insurance agency we are constantly engaged on behalf of our customers at the time of a loss.   We answer any questions our customers have and manage their expectations at the time of a loss as to what to expect during the claims process.   We also work as an advocate for our customers when there is a disagreement on the value of the property loss between the carrier’s adjustor and our customer.  Most of the time any disagreement is worked out quickly by providing missing information that is needed to an adjustor.

Here at Blackwell Insurance we have been providing insurance for the citizens of Florida since 1972 and understand the catastrophic exposure that our commercial businesses and residents face.

For a Flood Insurance quote please call us today at 850 769 2225.  A quote takes less than five minutes and can protect from a financially devastating loss.

When a special event is taking place there is no predicting when a tragic event may occur.  At the Indiana State Fair the high winds caused the stage to collapse killing five concert-goers and injuring many others.  A Special events policy could have been purchased on this event and would help respond on behalf of the event organizer to address the injuries and loss of life.

http://newsfeed.time.com/2011/08/16/the-indiana-state-fairs-tragic-stage-collapse-looking-for-answers/

Below is the link to our web site regarding Special Event Insurance:

http://blackwellinsurance.net/personal-insurance-service/special-event-coverage/

1. Check your property insurance value and make sure it is up to date with replacement cost in the current market.

2.  Take photos or video of your property (home or business) inside and out and make a detailed list of contents inside to provide to adjustor at the time of the claim.

3.  Make sure you have purchased Flood Insurance.  Flood Insurance is always a seperate policy and 30-40% of flood losses occur in a non designted flood area.  You should purchase flood now because there is a 30 day wait for flood insurance if it is not required by a bank.

For these tips and more please watch news clip below:

http://www.wjhg.com/home/headlines/Now_is_the_Time_to_Organize_Hurricane_Insurance_121566359.html

http://www.propertycasualty360.com/2011/04/06/how-insurance-agencies-are-outsmarting-the-economy

Tina Blackwell, ARM, Blackwell Insurance

We will post interesting events and stories here that show different kinds of business and personal insurance claims.  Start by  viewing our Claims Examples page here, and contact Blackwell Insurance to make sure your business and personal assets are properly insured!