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It June 1st do you know where invest 91L is?

Hosted by: Laura Hawley Special guest: David Rutherford

June, 2016

Laura Hawley – CFP®, President at Allen & Company

Troy Garcia – CFP®, at Allen & Company

David Rutherford – Insurance agent at Barfield Insurance
Julie Phillips – Meteorologist at WFLA

Today’s show will discuss the topics of natural disasters, hurricane preparedness, the standard homeowners insurance coverage and if that’s enough, the need for a hurricane kit, and will also answers questions regarding your policy and how it relates to Hurricane Season.

In this episode we cover:

  • Storm Season and the impact on your insurance (4:20)
  • Can we really feel ready for a natural disaster? (4:30)
  • Planning ahead when it comes to hurricanes and insurance policies (5:08)
  • Are you supposed to be reading your insurance policy once a year? (5:27)
  • What to look for when reading your Insurance Policy? (6:00)
  • The planning steps prior to a hurricane (7:00)
  • Discuss 4-Point Home Inspection and the need for it (7:30)
  • The need for a wind mitigation inspection (8:00)
  • Should you be calling your insurance company regarding home inspections?
  • The need for a home inspection for insurance purposes (9:14)
  • How to prepare for Hurricane Season (10:38)
  • The need for flood insurance (11:29)
  • How to protect yourself against false overnight adjusters (17:06)
  • Assignment Of Benefits form (17:45)
  • Storm damage to cars and boats (19:18)
  • The difference between Full Replacement Cost coverage vs. Actual Cash Value (29:18)
  • What questions should you be asking your agent regarding insurance policies (26:28)
  • Insurance Companies risk and restrictions (26:00)
  • Discuss the difference between a Hurricane Watch and a Hurricane Warning (30:00)
  • How to be prepared financially for Hurricane Season (39:53)

Links From the Show:

Connect with:

David Rutherford – Insurance agent at Barfield Insurance
LinkedIn – David Rutherford

Julie Phillips — Meteorologist at WFLA
Facebook – Julie Phillips
LinkedIn – Julie Phillips
Twitter – Julie Phillips
WFLA – Julie Phillips

Troy Garcia — CFP®, Financial Advisor at Allen & Company
Allen & Company – Troy Garcia
LinkedIn – Troy Garcia

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