Wind Mitigation 101

By Shannon S Morgan, CIC, CPRM, CPIA

After the unusually active Atlantic hurricane seasons of 2004 and 2005, homeowner insurance rates were at an all-time high and very few companies were writing new policies. Recognizing that newly built homes or older homes that had been properly mitigated for hurricane losses were at a lower risk of […]

Celebrating National Zucchini Bread Day, April 25, 2017!!

By Shannon S Morgan, CIC, CPIA

I can’t think of a better way to celebrate National Zucchini Bread Day than by giving away loaves of delicious zucchini bread. If you haven’t been fortunate enough to eat zucchini bread, imagine carrot cake without the sweet icing and replace the overpowering orange carrots in your mind with mild […]

Why Buy Travel Insurance?

By Shannon S Morgan, CIC, CPIA

Vacation and travel are two words that ignite happiness within me. I love the process of researching, planning and going on a vacation. My trip to Thailand this year is still seven months away, but I am already counting the days until I depart. When I travel, […]

Assignment of Benefits

By Teresa Heller, Sr VP of Claims for American Integrity Insurance Company
Assignment of Benefits (AOB) – Definition
In insurance claims circles, an AOB is typically used in certain lines of insurance such as auto insurance and property.  In the auto insurance arena, an insured signs an AOB which gives the auto body repair shop the ability […]

Florida No-Fault Coverage – What does it really mean?

Florida No-Fault Coverage – What does it really mean?
By Shannon Morgan, CIC, CPIA

I don’t think that there is any coverage more misunderstood than Personal Injury Protection (PIP) a.k.a. Florida No-Fault Coverage.

The original idea of No-Fault Coverage was to reduce claims costs and reduce the time needed to settle claims by having minor medical bills from […]