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IT JUNE 1ST DO YOU KNOW WHERE INVEST 91L IS?

by: LAURA HAWLEY guest: David Rutherford June 1, 2016
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Guest:
David Rutherford – Insurance agent at Barfield Insurance
Troy Garcia – CFP®, at Allen & Company
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.

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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)

Tweetable Topics:

Difference between Hurricane Watch and Hurricane Warning is a Hurricane Watch means that hurricane conditions (sustained winds of 74 mph or higher) are possible within the specified area. A Hurricane Warning is issued 48 hours in advance of the anticipated onset of tropical-storm-force winds in an area. – Julie Phillips, WFLA Meteorologist.

2016 should be a near average Hurricane season with 1 to 4 major hurricanes expected. – Julie Phillips, WFLA Meteorologist.

10-16 named storms are predicted for the 2016 Hurricane Season – Julie Phillips, WFLA Meteorologist.

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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About LAURA HAWLEY

Laura began her lifelong career at Allen & Company as one of the youngest Financial Advisors in Florida more than 30 years ago.

A CERTIFIED FINANCIAL PLANNER, Laura joined Allen & Company in 1983 and now serves as Senior Vice President and Chairperson of the Executive Committee. In addition, she was appointed to the Board of Directors in 2001. Laura played a crucial role in establishing the Viera office and served as Branch Manager until 2015. She holds Series 7, 66 and 24 licenses, as well as her Life, Health and Variable Annuities.

Laura’s holistic approach to financial planning, and her passion...