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Prevent water from going where it shouldn’t

One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home.

At Brown & Brown Insurance, we know you want to protect what’s important. That’s why we’re offering these tips to help you prevent many of the most common causes of water damage.

Just a little time and some effort can prevent a lot of heartache and hassle.

  • Make sure your water pressure is not set too high. For just $6 or so, you can purchase a gauge that will help you test your pressure for the appropriate level, which should be set between 60 and 80 PSI.
  • Standard hoses on new appliances are not as durable as they used to be. So check your appliances. If they’re rubber, either replace them with longer lasting stainless steel braided hoses or replace them every three years.
  • Keep water from leaking into the walls or floor of your bathroom by replacing cracked tiles and re-grouting when it’s needed.
  • Examine the shingles on your roof. Worn, curled or missing shingles allow water in, so replace them as soon as noticed.
  • Consider buying a water alarm, which can help you find leaks, or automatic shut-off mechanisms, which can help avoid bursts.
  • A lot of water damage occurs when you and your family are away from home.  Make a practice to avoid running the washing machine or dishwasher while you’re out.
  • When you leave for vacations, turn off the water supply to appliances.
  • Keep up maintenance on all appliance hoses, because slow leaks from worn out hoses can cause major damage (and they are not covered under Homeowners insurance).

We hope these pointers will ensure your house stays nice and dry this year! 

Contact Us!

We can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 505-821-5888 or send us a note at info@bbnm.com. We want to help you meet your goals, and make sure what’s important to you is protected!

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Employee Spotlight Debra Bailey

This month’s employee spotlight is on our magnificent Debra Bailey!  Debra is a personal lines agent for our Taos office.  She got her start working in her family’s agency while she was in high school and has been in the insurance business ever since!  She’s bounced all over the place from CSR to underwriting to marketing and back to CSR. 

Though she is based out of our Taos office, Debra works from home in Little Rock, AR.   She and her spouse live on 2 acres on a lakefront property, where she enjoys gardening, and raising chickens and Nigerian Dwarf goats.  She enjoys making goat cheese, goat milk soap, and goat milk lotion. 

Debra still makes it back to Taos several times a year to spend time with her beautiful granddaughters, and of course her wonderful co-workers.  She says Taos will always be her second home.

Debra is one of our best agents, and we love having her in our Brown & Brown family.

Insuring Your Jewelry with the Inland Marine Policy

I was recently asked some thoughtful questions on the insurance options available for personal jewelry. Given the many options and types of coverages available, I thought this was a “valuable” blog topic!

There are two main reasons you would want to insure a personal jewelry item with an inland marine policy:

  1. The basic homeowners policy limits the amount that would be paid for jewelry in the event of a theft.
  2. A deductible would typically apply to a loss that’s covered by a basic homeowner’s policy. But when jewelry is covered individually on an inland marine form there is usually no deductible involved (unless that option is specifically requested).

When a jewelry item is covered with an inland marine policy, most insurance companies offer two different loss settlement options:

  • Optional agreed value loss settlement
  • A traditional “repair/replacement cost” settlement option

For an additional premium, the agreed value option will simply pay the amount for which an item is listed on the policy. For this loss settlement option you may need to supply a recent appraisal or a bill of sale to substantiate the value for which the item is insured.

The traditional repair/replacement cost option is the default option on a scheduled personal property endorsement to your homeowners policy. It gives your insurance company the option to replace an item at an amount lower than the value listed on the policy. This would happen if this lower amount would return the item to its original condition or replace the item with one of like kind or quality.

Although the repair/replacement option puts a customer in the same position as before a loss, I often hear that the agreed value option provides a more satisfying claims experience for the policyholder because the settlement tends to match the expectations of even the most meticulous clients. For this reason, I typically recommend choosing the agreed value loss settlement option if available.

Some companies also offer a blanket inland marine form, which allows a policyholder to have additional jewelry coverage limits without having to list every individual item. This form is best for a situation where a customer owns many smaller value items, as this form has a per item limit.

One last option offered for jewelry coverage is paying a lower premium for items kept in a vault. To be specific, the lower rate charged for this option is intended for items kept in a bank vault, away from the your home. The discounted rate is given with the idea that jewelry off-premises would not be harmed by an event at your home such as fire or theft.

With all of the options available to protect your jewelry, the best thing you can do is talk to us to see which coverage will be most “valuable” to you!

The coverages here are described in the most general terms, and are subject to the actual policy conditions and exclusions. For actual coverage wording, conditions, and exclusions, refer to the policy or contact your agent.

Products underwritten by Central Mutual Insurance Company and affiliated companies.

Copyright © 2019 Central Mutual Insurance Company. All rights reserved.

Employee Spotlight Connor Payne

This month’s employee spotlight is on our fearless leader, Connor Payne! He is both the big boss in the office and a commercial lines producer.  He has been part of the Brown & Brown team for 7 years. Connor is a busy man, but he was able to give us a little look at his life to share with everyone.  Connor is a newlywed—just a few months ago, he and his wife were married on the beautiful island country of Mauritius.  Obviously,  he is a huge fan of traveling.  Connor has been to 6 continents! In his spare time, Connor loves to drive fast, play pool and play golf.  He is a 5 time golf champion at Tanoan Country Club.  He was also nominated for the Man of Year Award for raising over $50,000 for the Leukemia and Lymphoma Society. From the motivational Monday meetings to occasional pizza Fridays, Connor keeps our office running strong.  We are so happy to have him lead our team!

Employee Spotlight Loan

This month’s employee spotlight is on our wonderful Loan Nguyen.  Loan is in our accounting department and has been with Brown & Brown since 2011.  Her hectic job is what keeps our office running smoothly.

Loan is originally from New Jersey, but has lived in New Mexico since 2007.  She loves to run, doing as many half marathons as she can.  She also is into photography and absolutely loves eating Pho.  Loan also spends a lot of her time crafting with her daughter Emily and taking care of their dog, Susie.

Loan says she loves working with her coworkers, and we love working with her!  We couldn’t imagine Brown & Brown without her!