Wednesday, November 4, 2015






Attention!!
​​Be sure to read the fine print before you sign on the dotted line!
An assignment of Benefits Agreement is sometimes provided by contractors that specialize in home repair and restoration, as well as roofers and plumbers.
Before signing any document that includes Assignment of Benefits language, please read carefully and consider speaking with your insurance agent. Also referred to as an “AOB,” the agreement authorizes the contractor to act on your behalf and may allow the contractor to receive funds directly from your insurance company. By signing an Assignment of Benefits document, you may be “signing away your rights.
Click link below to watch short video:
Assignment of Benefits http://fromthetower.thig.com/assignment-of-benefits-tower-hill-insurance/ via @towerhillins
Fearnow Insurance

2016 Open Enrollment for the Individual Market
November 1, 2015 – January 31, 2016
As a reminder, customers need to be enrolled by December 15th for coverage effective January 1st.
The countdown starts now…6 weeks until December 15th.
If you miss this current Open Enrollment Period, you will not be able to obtain a Government Health Plan until 2017.
What You Need to Know About Open Enrollment
The Open Enrollment Period for 2016 begins on November 1, 2015 and ends on January 31, 2016. All Americans must have health insurance or face a fine.
Important: In order for your coverage to begin on January 1, 2016, you must enroll by December 15, 2015.
Important: If you currently have a 2015 Government Plan, for 2016 you have to renew your existing plan or enroll in a new one. You will not be automatically re-enrolled.
You will not be able to sign up for a Government Health Plan until the next Open Enrollment Period. The only exception is that if you experience certain life changes after Open Enrollment -- known as “Qualifying Life Events” -- you could be re-eligible to enroll.
To minimize your chances of not having health insurance, it is highly recommended that you do not miss the Open Enrollment Period and enroll immediately during this time.
What If I Don’t Sign Up for a Health Plan?
If you do not have health insurance in 2016, you stand to face a fine in the form of a tax penalty on your federal income tax return.
The penalties are whichever of the below two is the greatest amount:
2.5% of your household income; or
$695 per adult / $347.50 per child, with no household limit
The Affordable Care Act was designed to ensure that all Americans have health insurance. To make sure no one is uninsured, health care has to be truly attainable and affordable. That is why you cannot be denied coverage for preexisting conditions, and your costs could also be greatly lowered by subsidies -- or “discounts” -- if you meet certain income guidelines.
Universal and affordable health care can only work if everyone is covered. Remember that uninsured patients can become very costly for everyone. That is why you can be penalized for not having coverage. If you miss the Open Enrollment Period and have a Qualifying Life Event, you can still get a government health insurance plan during the Special Enrollment Period.
When Does My Coverage Begin?
If you enroll during the first 15 days of the month, your coverage begins on the first day of the following month. For example, if you enroll by January 15, 2016 your coverage will begin on February 1, 2016.
Enrolling during the last half of the month means your coverage begins on the first day of the second month. For example, if you enroll on December 16, 2015, you will have to wait until February 1, 2016 for your coverage to begin.
Call us today for more information at 813-865-4202 and ask for our Life and Health Specialist, Anthony Perry or email, anthony@fearnowins.com

Monday, November 2, 2015


 
Confused about Medicare? You are not alone
Use these tools to help guide and support your Medicare education experience.
Medicare Education Checklist
Learning about Medicare shouldn't be limited to just one week of the year. Taking the time to review your coverage options and stay informed about Medicare may help you feel better prepared to enroll in Medicare for the first time or make confident health care decisions during Medicare Open Enrollment (Oct. 15-Dec. 7). Use this checklist to help you learn more about Medicare.
Start with the Basics: Mastering the basics of the Medicare program may help you feel prepared to find the coverage that's right for you. Check out the Learn about Medicare page, watch the Medicare Overview video or get familiar with some terms in the Glossary.
 Ask the Right Questions: Medicare isn't one-size-fits-all. You have lots of options as you're deciding which coverage is right for you. But those options can sometimes feel overwhelming. Make it easier by asking yourself some key questions that will help you determine your needs .
 Prepare: Be ready to make decisions about your coverage options during Medicare Open Enrollment (Oct. 15-Dec. 7). Visit the Coverage Examples page to see how four Medicare beneficiaries chose their plans. Or watch the videos about Medicare Parts A, B, C and D as well as Medicare supplement insurance.
 Go Straight to the Source:    Anthony Perry at Fearnow Insurance
                                    Call: 813-865-4202 or email: anthony@fearnowins.com
 
 
 

Thursday, August 6, 2015

Tax Free Weekend


It's almost that time of year again! the summer flew by! will you be taking advantage of all the sales and tax free items?

Thursday, April 16, 2015


April/May Newsletter is hot off the press with some articles that might interest you......

April is stress awareness month, tips on how to de-stress yourself at home and work. Also
some exercises to do and food to eat to de-stress yourself.
 
Including in our regular do it yourself corner, we have some exercises and foods to also help
you de-stress yourself.
 
"Click Here" to view our newsletter.

Tuesday, March 17, 2015

It's that time again!
Hot off the press is our March Newsletter !!

Articles include Open enrollment extention for Medical and Flood Awarness week.

Our featured partner is TNT Termite and Pest Control.

For Easter, we have "do it yourself" bunnies and chicks also with some fun recipes.



Click link below to view our newsletter....


 
National Flood Safety Awareness week is March 16-22, 2015!
 
 
FLOOD DAMAGE. Just a few inches of water from a flood can cause tens of thousands of dollars in damage. From 2008 to 2012, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect yourself from devastating financial loss.
 
 
GET COVERED. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property's flood risk. For the Preferred Risk policy, premiums start at $129/year.
 
 
DON'T WAIT! Typically, there's a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.
 
 
CHANCES ARE... What are your chances of experiencing a flood? Floods are caused by storms, hurricanes, water backup due to inadequate or overloaded drainage systems, as well as broken water mains. Nearly 20% of flood claims come from moderate-to-low risk areas.
 
 
SAFETY PLAN. Flooding can happen at any time. Create a family plan today to help minimize potential losses and ensure your family's safety. Don't forget to plan for your pets! Visit Floodsmart.gov/familyplan or Ready.gov/prepare for helpful tips and more information about how you can be prepared.

Friday, March 13, 2015


With over 25 years of experience in the pest control industry, Ed
& Bonnie Tekampe, of  TNT Termite and Pest Control, can help you say goodbye to those pesky ants, termites, roaches, silverfish, spiders and other nasty bugs.

TNT Termite and Pest Control provides a variety of services for commercial and residential properties and are committed to tailoring their solutions to meet a customer’s individual needs. They provide quarterly pest service for residential properties covers all basic household pests including ants, roaches, wasps, even fleas.  When they treat they're going to cover all basic household pests including ants, roaches, wasps, even fleas.  Services include solutions for drywood and subterranean termites as well. In addition, TNT Termite and Pest Control conducts Wood Destroying Organism (WDO) inspections for prospective real estate buyers, sellers, and lenders. Before starting his own pest control business 4 years ago, Ed worked for a national company where he received countless hours of training and experience.

When needing to eliminate pests from a home, many customers can be even more concerned about the chemicals entering their living space. However, TNT is dedicated to providing customers with safe solutions that work. “When treating the inside of your home, we’re going to utilize gels and baits and put them in the areas where the bugs live, not where you and your family live.”
Providing “Dynamite Customer Service” has been key to TNT Termite and Pest Control’s success. Not only do they eliminate bugs, they also consult with their customers, educating them on how to identify different species of pests, their tendencies, and how to keep them from invading again.
 
TNT Termite and Pest Control—led by Ed and Bonnie Tekampe, along with their son, Andy—is truly a hometown, family business known for doing the job well and doing it right. “You’re always going to get the straight and honest answer with us,” said Bonnie, “and we’ll be there if you need us. Even if we’re slammed with business, if someone is having a challenge we’ll be there for them.”
Don’t let bugs do any more damage to your home. Give yourself peace of mind and call TNT Termite and Pest Control today
813-716-9196 or 813-760-2691 (for a free Estimate)
and "Like" us on our Facebook page: www.facebook.com/TNTtermiteandpest

Tuesday, March 10, 2015

Thursday, February 5, 2015

What to Expect when filing an Automobile Claim

 

Auto Insurance & Fender Benders

Impact On Premiums
Fender benders and the like are an anticipated part of life, and though you're protected with auto accident insurance, you may still have concerns about what's going to happen to your insurance rates when you file a claim. Will your rates go up, and if so, how much? Will you be canceled? What if the accident wasn't your fault? What if it was? There are no simple answers to these questions, as the process of establishing auto insurance premiums is very complex, and each accident is analyzed using many variables, including fault, history of accidents, moving violations and auto insurance claims, as well as age, car type and much more.

  • Not your fault: If the accident is not your fault, it's the first in which you've been involved, and your driving history is free of moving violations and/or insurance claims, you may have no premium increase at all.
  • Your fault with property damage: If the accident is your fault, but it resulted in property damage only, you will probably not lose your good driver discount. It may, however, trigger an increase in your premium.
  • Your fault with bodily injury: If you are at fault and someone is injured you will most likely lose your good driver discount and could see a 20 to 25 percent premium increase.
  • Non-renewal & cancellation: Your insurance company may also decide not to renew your policy if your driving record gets markedly worse or you have several auto accident claims. Different insurers have different rules about what constitutes an unacceptable driving record, but there are a few accidents, such as those caused by drunk driving, that will probably trigger a non-renewal from virtually every insurance company.

Practices vary from company to company, but in general, an insurer will increase your premium by specific percentages for each chargeable claim made against your policy above a specific dollar amount. A chargeable claim is one the insurer considers primarily your fault. The percentages and ceilings vary from company to company. These increases generally stay on your premium for three years following the claim.

Save Money & Time
Some accidents may involve little damage and will be under your deductible, so you may be inclined to circumvent the process of filing an auto accident insurance claim and just fix the damage on your own. This is a mistake that could cost you thousands, if not hundreds of thousands of dollars, because what seems like a little fender bender could turn into an injury claim. By reporting the accident, you are now protected against future claims because Mercury will now have a record of the damage and will be able to defend you in the event that you are sued. Additionally, Mercury can help arrange for repairs at a trusted facility, and you can take advantage of the company's pricing discounts. In most cases, the reporting of this fender bender will not affect your premium and it will end up saving you money in the long run.

Don't Do It Alone
Insurance professionals can spot red flags and are trained to deal with people and resolve problems, which takes the adversarial component out of the equation. When people try to adjust their own claims, they are an involved party and it often gets emotional.

Driver's Rights
The process of filing an auto accident insurance claim is regulated by the California Department of Insurance; however, in a competitive auto insurance market, great service from the claims department can set an insurance company apart from the pack. This is the number one goal of Mercury: To provide exceptional service at all times.

Drivers' rights under the Fair Claims Settlement Practices Regulations of the California Department of Insurance (www.insurance.ca.gov) mandate that insurance companies assist in the following way:

  • Advise you of all benefits, coverage, time limits, or other provisions of your insurance policy.
  • Acknowledge a claim, start an investigation, provide forms and instructions, and provide reasonable assistance immediately (in no more than 15 days) after receiving notice of a claim. (Notice of claim is any written or oral communication to the insurance company that reasonably apprises the insurer that you wish to make a claim.)
  • Respond immediately to communications received from you (in no more than 15 days).
  • Accept or deny the claim immediately (in no more than 40 days) after receiving proof of claim. (Proof of claim is documentation in your possession which provides any evidence of the claim and supports the magnitude or the amount of the loss, such as estimates of repair or police report indicating theft of your vehicle, etc.)
  • Pay reasonable towing expenses, unless the insurer has provided you with the name of a specific towing company prior to your using a towing facility.
  • Offer a fair settlement. If you suffered a total loss, settlement must include taxes, license and transfer fees. The settlement must reflect the value of comparable deductions from the settlement for salvage and must be fair, measurable and discernable.
  • Pay the claim no later than 30 days from the date settlement was reached on an accepted claim.
  • Advise you whether or not they will sue the other party to recoup payments they have made to repair your vehicle (a.k.a. subrogation). If the insurance company does pursue subrogation, they must include your deductible unless you've already recovered your deductible.

The bottom line is never make assumptions when you've been in an auto accident and do not try to be your own claims agent. If you've been in an accident, contact your insurer, get the dialogue going and the process started on what needs to be done to protect your needs and get you and your vehicle moving again.

 

Friday, January 30, 2015

Why The Cheapest Insurance Isn't Alway The Best !!


Cheap Auto Insurance: The Hazards of Choosing Cheap Car Insurance

Dangers of cheap auto insurance: pitfalls of choosing a cheap car insurance provider.
______________________________________________________________

If you own a car, truck or other motor vehicle, most states require you to purchase Auto Liability insurance, which can protect you and your passengers in the event of a covered loss.

Auto insurance rates are based on many factors and quotes can vary widely. Among the factors that insurance companies often consider when setting rates are age, gender, driving history, and the year, make and model of the vehicle. Additionally, in some states insurers can consider credit histories (credit scoring) when providing rate quotes.

If your car is financed, your lender will likely require you carry some form of Comprehensive insurance (sometimes known as "Other than Collision Coverage"). This type of insurance protects you against damage caused by things other than a vehicle collision such as fire, hail, flood, vandalism or theft. Collision insurance is coverage that applies to your vehicle if it is damaged as a result of colliding with another object—another vehicle, for example, or a tree.

Another step is to check the credit-worthiness of your insurance company through Moody's, Standard & Poor's and AM Best. If your insurance company has a strong financial rating, chances are excellent that it will have the ability to withstand a major catastrophe, such as claims produced by a hurricane, flood, earthquake or wildfires.

Here are some tips to consider while shopping for a quality provider and affordable rates:

  • Shop around: Use the Internet and your phone to obtain free quotes from several insurance companies. Additionally, if you are planning to purchase a new or used vehicle, make a phone call to your insurance agent—or prospective insurer—and obtain quotes for the vehicle. Many factors — such as different models, different engines and accessories—can impact your cost of insurance.
  • Maintain a clean record: A good driving history is your best defense towards obtaining and maintaining affordable insurance. Obey traffic laws, keep a light foot on the accelerator, and—if you choose an insurer that uses credit scoring in their evaluations—pay your bills on time.
  • Bundle your insurance: Many insurance companies sell other types of insurance, such as homeowners, renters or condo insurance, or mechanical breakdown protection. Consolidating your insurance policies with a single provider can create a substantial discount on your premiums.
  • Drive an economical car: Insurance rates are partially based on the type of car you drive. If your vehicle has low safety ratings, a high theft rate or a high incidence of vandalism, you may pay a higher premium.

Thursday, January 15, 2015

It's that time again!

Hot off the press is our January Newsletter with a new look !! 

Find out from a how to keep your home safe (what a burglar looks for) and 10 ideas for 2015! Our Partner Featured is AJ Westfall Co.
Recipe for a Pull Apart Party Loaf and a DIY project.
 
http://media.wix.com/ugd/101e2e_bbe46e8ca56b4b86ad0274dde1d1680b.pdf

Click here to visit full website of AJ Westfall Co.