In your underwear, watching your home burn to the ground.

Real Estate Broker/Owner with Fitts Agency

"Who are you going to call when it's the middle of the night and you're standing in your front yard, in your underwear, watching your home burn to the ground?"

And who's going to answer the call and say,

"No worries, I'll be right over.  You have great insurance coverage, and I'll bring my checkbook to make sure we get some things handled tonight."

(I always ask this question of prospective clients.)

I just got an email from a friend (with another insurance company) who had a minor kitchen accident that could have turned into a fire disaster, burning down her home.  She started thinking about proper insurance coverages and reached out to me.

I'm reviewing her coverages now.  Here's what I've found:

1. If her home burned down, not only would the bank mortgage not be paid off, she would still owe the bank more than one hundred thousand, and there certainly wouldn't be enough money to re-build.  Not even close.

2. She's never had a review with her agent to determine proper coverages for her greatest asset.

Wow. This is tragic, yet I hear this at least two to three times a week when having a discovery conversation with prospective clients.

The truth is that 99% of the people who I have conversations with about insurance coverages have never had a conversation with their previous agent.  In most cases, they have never met the actual agent.

Proper home insurance coverage is a critical part of having a good financial plan.

So, you're in your underwear, watching your home burn to the ground.  Who ya gonna call?

(If the person on the other end of the line answers, "This is Todd Murphy," you don't have to worry about proper coverages.)


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Barbara-Jo Roberts Berberi, MA, PSA, TRC - Greater Clearwater Florida Residential Real Estate Professional
Charles Rutenberg Realty - Clearwater, FL
Palm Harbor, Dunedin, Clearwater, Safety Harbor

Now that is indeed a bit of disturbing information - thanks for sharing that!

May 29, 2010 03:18 AM #1
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