Goosehead Insurance - Chase Johnson

Goosehead Insurance - Chase Johnson

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For all the posts I'm seeing about needing to file an insurance claim by Sept 1st --Unfortunately, opponents of the recently passed House Bill 1774 have used this tragedy as an opportunity to incite unease and panic among policyholders by spreading false information. I would like to SET THE RECORD STRAIGHT and make certain homeowners have clear and accurate information once they begin to file claims related to Hurricane Harvey: HB 1774 does not change the insurance claims process. A person making a claim with his/her insurance company after September 1, 2017 will go through the same process as a person making a claim before September 1, 2017. The new law applies only to a lawsuit that is filed against an insurance company by a policyholder when the policyholder’s insurance claim is not timely paid or is underpaid, or when the insurance company acts in bad faith in dealing with the policyholder’s claim. Lawsuits are the exception, not the rule. The vast majority of Texans will go through the regular insurance claims process without needing to file a lawsuit. Texans continue to have the strongest consumer protections in the nation against insurance companies. This includes the full recovery of amounts owed under an insurance policy, plus penalty interest, court costs, and attorney fees. Additionally, if the insurance company acts fraudulently or in bad faith, Texans may recover triple the amount of their actual damages, which is unchanged by the new statute. The primary purpose of the new statute is to require written notice of a dispute before a lawsuit is filed. If a lawsuit is filed, it would happen months or years after the initial claim was made with the insurance company. Nothing in the new law passed by the Legislature earlier this year requires that the initial insurance claim be made in writing or by a specific date. • This requirement for a written pre-suit notice (not pre-claim notice) to the insurance company ensures the company is aware of its policyholder’s complaint and has had an opportunity to adequately address that complaint before being sued. Furthermore, the new law will not apply to most claims or lawsuits arising from Harvey, because most of the policyholders’ claims will be for damage caused by flooding. These claims will be made under the federal flood insurance program and governed by federal law. Similarly, the new law will not apply to lawsuits pursued against the Texas Windstorm Insurance Association (TWIA), which is subject to an entirely different statute governing post-disaster lawsuits. TWIA provides insurance for many people affected by Harvey. The new law is designed to do two important things: 1. Discourage the feeding frenzy by lawyers and contractors following natural events occurring in Texas over the past several years. These unscrupulous actors have taken advantage of thousands of hard-working Texans over the past several years. 2. Encourage out-of-state insurance adjusters to come work in Texas following a massive disaster like Harvey. In the following days and weeks, it will be critically important for out-of-state adjusters to work in Texas to ensure that insurance claims are evaluated and paid in a timely manner. In sum, the new law does not affect the claims process. Instead, it affects only the lawsuits that sometimes follow the claims process. Furthermore, it does not create a new deadline for action by policyholders.

Matthew Colby is a Co-Founder of Goosehead Insurance’s Houston Office and currently serves as Goosehead’s Director of Agency Sales. He began his professional career at Charles Schwab as a 401(k) Associate in their Plan Conversions Department.

He joined TWG Insurance in Dallas as an Account Executive in 2007, and was promoted to Manager in 2008. In 2009, Matthew moved to Houston to open Goosehead’s first satellite office. He was promoted to Partner and Director in 2011. Prior to working at Goosehead, Matthew obtained a Bachelor of Science at Texas A&M University where he majored in Political Science with a minor in Business Administration. Chase is an Account Executive and Marketing Manager for Goosehead Insurance – The Heights Agency. Prior to joining Goosehead, Chase obtained a Bachelor of Science at Texas A&M University where he majored in Industrial Distribution. He began his professional career working in outside sales and marketing for a large electrical distributor in the Dallas-Fort Worth Metroplex. A native Houstonian, he made a long-anticipated move back to Houston in 2011, working in the oil and gas industry as a project package engineer for Technip USA. Chase currently resides in the Houston Heights. Tyler is an Account Executive at Goosehead Insurance – The Heights Agency. Prior to joining Goosehead, he obtained a Bachelor of Science from Texas A&M University where he majored in Economics. He began his career in the financial services industry at AXA Advisors as a Retirement Benefits Specialist. In addition to holding a Property and Casualty license in Texas, Tyler is also a licensed life agent. He and his wife are native Houstonians, and currently reside in the Houston Heights.

Operating as usual

What counts as a comprehensive loss, and what is covered under your collision deductible?
See here:

Uninsured or Underinsured Motorist coverage provides coverage for the type of damage you have no control over: someone else's actions.
If you're not in love with your current agent or auto policy, message me for a review!

Follow along in February as we discuss auto insurance. The most important part of an auto policy is the liability limits. Insurance is here for the things you can not afford, like a major accident. Purchasing state minimum liability limits may be cheaper initially but can leave you drastically exposed.
Message me for a review of your current policy.

Have you ever received two quotes that seem to have the same coverage but are drastically different in premium? This may be the hidden difference.
Goosehead has a quality control department that reviews every single policy sold. Our QC agents are trained to look for this coverage on every home policy.
If you haven't reviewed your home coverage lately, shoot me a message so we can discuss.

Last week, we discussed that HO3 policies are a superior form of coverage, covering you for all perils, unless they're explicitly excluded. If you have one of these policies, here is a list of commonly excluded perils. Flood is an exclusion that takes some clients by surprise.

Call or message me for a quote on flood insurance

One size does not fit all:

Renter, condo owner, homeowner, what type of insurance policy do you need?

I shop the market to find you the best deal on any of these policies. Message me for a quote!

In the new year, we're kicking off a series all about home insurance. At Goosehead, we recommend purchasing the most comprehensive option available to you, in order to better protect your family. Message me for a quote!

Wishing you all the happiest New Year! We're so happy to be here with you in 2021

Wishing you and your loved ones a safe and joyous holiday!

travelers.com

Holiday Decorating Safety

Already done decorating or still planning how to show your Christmas spirit? Check out how to avoid claims by making your decorations safe this year.

#gooseheadinsurance #goosehead #christmas2020 #decoratingtips

travelers.com From candle safety to electrical light safety, read these holiday decorating safety tips from Travelers to help avoid injury or fire.

hgtv.com

Make Your Home Winter Ready

'Tis the season for winter weather claims!
Check out three steps to a safe season from HGTV:

hgtv.com Follow these steps to prep your house for cold winter weather.

turkeyprotectionplan.com

Thanksgiving Turkey Protection Plan

Our partners at Progressive are teaming up with Whole Foods to help insure your Thanksgiving feast! Check out the details below:

turkeyprotectionplan.com Did you know Whole Foods Market & Progressive are offering a Turkey Protection Plan this year? Gives you one less thing to worry about – check it out!

blog.nationwide.com

Fire Pit Safety Tips

It's definitely the time of year to gather with friends and family around an outdoor fire pit. Check out some safety tips from #Nationwide:

blog.nationwide.com Learn how to safely build, maintain and extinguish fires at your next backyard gathering.

forbes.com

Don’t Get Spooked By These Halloween Insurance Claims

Happy Halloweekend!
Follow these safety tips to keep your weekend fun:
- Keep your walkways clear
- Secure your railings
- Secure your pets
- Decorate safely
- Park your car in a safe place

forbes.com Halloween might look a little different this year due to COVID-19, but you can expect people will still find ways to celebrate across the country. While the Centers for Disease Control and Prevention considers traditional trick or treating to be a higher risk activity, there are plenty of moderate o

forbes.com

Halloween Will Cause Spike In Insurance Claims

Spooky times! Even during the Covid-19 Pandemic, an estimated 58% of Americans plan on celebrating Halloween. Check out the most common claims and the matching coverages you should ask your agent about to make sure you're ready for next weekend!

forbes.com Halloween has become one of the more popular traditions in the United States. In the four years prior to 2020, around 70% of Americans planned to participate in Halloween celebrations, according to Statista, a market and consumer data provider. And while COVID-19 is expected to put a damper on the h

hippo.com

Smart Home Statistics | Hippo

We love partnering with Utility Concierge to get our clients set up on smart home systems for their new purchases.
Check out this article from our partner, Hippo Insurance to help you decide what smart devices might be best for you.
Be sure to reach out to your agent if you're looking into smart home systems and we'll get you over to our preferred reps at Utility Concierge!

hippo.com From market trends and the most popular products to the reasons behind smart home purchases, we are breaking down the most surprising statistics for this growing industry.

blog.nationwide.com

Should I Buy a House During the COVID-19 Pandemic?

If you're considering buying a home during the COVID-19 pandemic, let us know so we can connect you to some of the best realtors and lenders in your area.

blog.nationwide.com If you are unsure about buying a house during the coronavirus pandemic, these factors may help make your decision.

forbes.com

Your Fall Home Maintenance Checklist

Welcome to October! Check out this list of 15 things you can do this month to make sure your home and yard are ready for the winter months ahead:

forbes.com Prevent winter damage and boost energy efficiency by ticking off these to-dos before cold weather hits

progressive.com

What are Perils and Hazards in Home Insurance?

Learn the difference between "perils" and "hazards" when it comes to your home insurance policy.

progressive.com Learn the difference between a hazard and a peril. See what perils are listed on basic home insurance policies and what hazard insurance covers.

fema.gov

Facts About the National Flood Insurance Program (NFIP) Flood Insurance | FEMA.gov

Preparing for the unexpected is vital. Take a look at five of the most commonly asked questions about the National Flood Insurance Program – to help you weather any storm that’s headed your way.

fema.gov Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.

jewelersmutual.com

Does Homeowners Insurance Cover Jewelry?

How do you know which insurance option won't leave you empty-handed when the unexpected happens? Read on to understand what situations are covered under homeowners insurance and specialized jewelry insurance and for how much.

jewelersmutual.com Finding out your homeowners or renters insurance falls short after you’ve already lost your ring leaves you wondering what to do next. Do you pay for a replacement out of your own pocket? Or go without a ring? Rock. Hard place. So how do you know which insurance option won't leave you empty-handed...

hanover.com

Umbrella insurance FAQs | The Hanover Insurance Group

An umbrella doesn’t just protect you from the rain. With an umbrella insurance policy, you can be protected from liability claims with affordable coverage that goes beyond the limits of your home or auto policy. Learn more about umbrella insurance and why it offers added peace of mind with our answers to frequently asked questions about umbrella insurance policies.

hanover.com We have the answers to all your frequently asked questions about umbrella insurance and why you probably need it.

progressive.com

Loss Of Use Insurance Coverage For Homeowners & Renters

Loss of Use coverage, also known as "additional living expenses," pays for your hotel/living and meal expenses if you’re unable to live in your home due to a covered loss. In the event of a fire or other covered peril, Loss of Use coverage ensures you’re not left without a place to live.

https://www.progressive.com/answers/loss-of-use-insurance/

progressive.com If you’re unable to live in your home after a covered insurance loss, find out how loss of use (additional living expenses coverage) will help preserve your usual standard of living.

If you have been affected by the recent weather events and need to report a claim, contact our Service Team at 214.838.5190 or 1.800.474.1377 between 7am and 7pm coast-to-coast. After hours, please contact the carrier directly by clicking the link below:

https://www.gooseheadinsurance.com/clientcenter/#reportaclaim

We hope that you and your family remain safe during these times!

wrightfloodadvice.org

Why Do I Need To Rethink Flood Insurance?

Flooding can happen anytime, anywhere - you don't need to live near a coast to experience a flood loss on your home. In fact, floods are the most common and costly natural disaster, with 98% of counties in the United States experiencing a flooding event. Don't wait until it's too late!

wrightfloodadvice.org Floods are the most common and costly natural disaster, with 98% of counties in the United States experiencing a flooding event. Everyone needs to rethink their insurance coverage to ensure they are adequately protected from flood damage.

Moving can be thrilling because you may be transitioning into a nicer home. But what happens if you or those movers you’ve hired and trusted with your most beloved belongings damage or destroy your items? Take a look at what is covered by your home insurance policy during a move.

https://universalproperty.com/Is-my-personal-property-covered-by-homeowners-insurance-during-a-move

progressive.com

Car Insurance for College Students

Many parents who are sending their child to college are faced with the question,"Should I take my child off my auto insurance policy when he or she is away at college?" There isn't a one size fits all policy so it's important to review your auto insurance, so you can rest a little easier at night knowing your child is properly covered on the road.

https://www.progressive.com/answers/college-student-insurance/

progressive.com Figure out the best car insurance option for you and your college student before freshman orientation rolls around.

Jewelry appraisals are often overlooked or pushed back until later – but that puts you at risk for not having an accurate appraisal in the case of the unexpected. Take a look at some of the key benefits of obtaining an appraisal when it comes to your insurance.

https://www.jewelersmutual.com/the-jewelry-box/jewelry-appraisals-what-everyone-forgets-when-buying-jewelry

blog.nationwide.com

How to Choose the Best RV Insurance

To ensure that you, your loved ones, your belongings and your RV are protected, you should purchase the best RV insurance that meets all your needs. Here are a few things to keep in mind when looking for the best RV insurance.

blog.nationwide.com Learn what you need to look for when you choose your RV insurance policy.

safeco.com

Personal Property Appraisal Tips | Safeco Blog

Having an appraisal completed for your valued belongings can help you select the proper coverage on your homeowners, condo or renters policy. Take a look at these three tips when getting a personal property appraisal for insurance.

https://www.safeco.com/blog/personal-property-appraisal

safeco.com Your belongings are important to you so it’s important they are fully covered by your policy. Learn what you need to know about getting property appraised.

Timeline Photos

usassure.com

What Does Vacant Home Insurance Cover?

When a property sits vacant for any stretch of time, it encounters a different set of risks than those facing an occupied structure. A vacant home insurance policy offers much-needed protection for these vulnerable structures. Take a look at some frequently asked questions when it comes to insuring a vacant home.

https://usassure.com/blog/property/what-does-vacant-home-insurance-cover

usassure.com Vacant home insurance is a crucial and commonly quoted form of coverage, but the answers to questions like who and what it covers aren’t always clear. Read to learn more.

hanover.com

Top home insurance claims – and how to prevent them

According to the Insurance Information Institute, approximately 1 in 15 homeowners make an insurance claim each year. Take a look at six common claims, ranked by average cost and what coverage options will help cover you if the unexpected happens.

https://www.hanover.com/articles/top-home-insurance-claims.html

hanover.com The six most common types of home insurance claims also happen to be the six most costly. See how you protect your home from potential damage.

wsj.com

Millions of American Homes at Greater Flood Risk Than Government Estimates, New Study Says

Nearly six million properties across the U.S. have a substantial risk of flooding that isn’t disclosed by federal flood maps, according to a nonprofit research firm that released its own U.S. flood maps Monday.

Don't wait until it's too late - reach out to us today to discuss your options when it comes to flood insurance!

wsj.com Nearly six million properties across the U.S. have a substantial risk of flooding that isn’t disclosed by federal flood maps, according to a nonprofit research firm.

progressive.com

What Is Comprehensive Insurance & What It Covers

Not having comprehensive coverage on your autos is like gambling against nature. You're betting that unforeseen events beyond your control won't damage your car! Take a look at why this optional coverage is so important to have on your vehicles.

https://www.progressive.com/answers/comprehensive-insurance/

progressive.com Comprehensive insurance covers your car if it's damaged by hail, storms, falling tree limbs or other acts of nature. See more on what it covers.

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