TheGannAgency

Why My Home Insurance Won't Pay To Cut Down A Tree

Posted by Nick Gann

Dec 1, 2015 3:48:49 PM

I love trees. I don't know where that love stemmed from, but I can spot a gorgeous oak tree with barely a glance. It's just something about them that attracts my attention. To me, there isn't anything prettier in nature than a mushroom shaped oak tree. The four in my front yard don't have the best shape, but they are still beautiful. Maybe it's because trees have so much age, or maybe it's their size. I don't know, but I think trees are a brilliant work of God's art.

Insurance companies would disagree

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Topics: Insurance

Is Theft Limited On My Homeowners Policy?

Posted by Nick Gann

Nov 23, 2015 4:46:42 PM

I remember when I first stopped going to a typical gym and started a group fitness plan, Crossfit. It's great, but there is one thing that is completely frustrating; learning the system. Learning the lingo, and it's meaning. Learning how the exercises are performed, proper technique, etc. It's like going to a new church or starting a new job. Everything is weird, and I'm uncomfortable because I don't know what's going on. The same thing happens when we file a claim and don't get the money we're expecting. We become uncomfortable, and frustrated because we don't understand how it works.

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Topics: Insurance

Should I Hate My Escrow Account

Posted by Nick Gann

Nov 16, 2015 1:36:12 PM

I think it's Dave Ramsey who suggests the envelope system as a way to not just control our spending, but to outline our saving. Envelopes are marked with headings like car payment, rent or house payment, groceries, entertainment, etc. The key is to not spend more on any one area than what's in the envelope. Is it OK if we have to occasionally? What if we spend a few more dollars on groceries? What envelope do we take the excess from? And does that mean we need to increase the amount that goes in that particular envelope? It gets kinda messy, just like an escrow account.

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Topics: Insurance

Am I In A Flood Zone? We All Are!

Posted by Nick Gann

Nov 2, 2015 4:25:18 PM

I Googled for the driest areas in America. I was looking for locations that aren't in a flood zone. Most of us think of a flood zone as an area that's prone to flood. That's why I Googled driest places.... Would you believe even the driest places in America are in flood zones? Yep, even Las Vegas and Phoenix.

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Topics: Insurance

Replacement Cost On Contents Means Nothing To Me

Posted by Nick Gann

Oct 26, 2015 4:56:22 PM

Too many times I've taken the cheap route. I've bought the off-brand product, or the generic item, only to replace it shortly thereafter with higher quality. Should have paid a little more to begin with. I catch myself saying "Am I really in this position because I was too tight to spend a few more dollars?" That's exactly why I purchased a home alarm system

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Topics: Insurance

How To Cut Down A Tree... My Neighbor's Tree!

Posted by Nick Gann

Oct 19, 2015 10:46:47 PM

Money is made of linen and cotton. Linen and cotton are from plants. So money doesn't grow on trees, it grows on plants. I want one! What I don't want is my neighbor's large, branches-everywhere, jungle-looking tree falling on my fence or car, or my house - costing me money. Regardless if it makes a noise or not, someone's responsible, and gonna pay!

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Topics: Insurance

So I Own A Dog, Who Cares!

Posted by Nick Gann

Oct 8, 2015 5:30:11 PM

Several years ago, I guess back in October 2013, we adopted Cora, our half lab/half red hound, at the humane society. She was 8 months old and hated cats. I don't think she hates cats, she just likes to chase cats. No idea what would happen if she caught one. I guess we'd find out if she truly hated them.

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Topics: Insurance

But My Neighbors Are Getting A New Roof

Posted by Nick Gann

Sep 30, 2015 10:41:55 AM

Every time there's a hail storm, or a strong wind storm, we see new roofs going on. And we always want what somebody else has. We call our agent, tell them about the neighbor and their new roof, and ask if we should get ours checked out. Believe it or not, that's not the best way to determine if we need a new roof.

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Topics: Insurance

How To Work Remotely When Dealing With Business Interruption

Posted by Nick Gann

May 26, 2015 2:04:49 PM

My boys attended elementary at a private Christian school. It's owned and managed by our church. Like most businesses, it wasn't paperless, and not even close to being able to work remotely. Yes, a church and a school can operate it's business administration remotely. It absolutely can. But why would it need to?

The one thing all businesses have in common is operations. Every business operates in some fashion. The key is being able to operate under any circumstance. Just ask my church how difficult it was when their admin building burnt to the ground. Cash, files (years of files!), computers, all burnt.

They weren't prepared for a disaster. Are you? I know I am.

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Topics: Insurance

What Kind Of Dog Does My Homeowners Insurance Allow

Posted by Nick Gann

Apr 16, 2015 9:42:46 AM

I've never been in favor of having a dog. I like dogs. As a kid I grew up with dogs. But now that I'm older, I didn't want to deal with dog hair, barking, and ticks & fleas. Until I found Kora. She's half lab and half red hound, and is the absolute best dog I've ever seen. And we rescued her from the pound.

The pound was full of cute dogs. Big, loud, barking dogs, but cute. Most of them. There were several my family liked, but as an agent with a home owners insurance policy, I knew which dogs had no chance with me. The truth of the matter is even though all dogs may go to heaven, they shouldn't all go home with you. There are some serious repercussions for owning a dog that bites.

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