Frank Laisch's Blog

law enfolaw enforcement officials issued 20,958 tickets to motorists for texting-while-driving violations since the law took effect on July 12, 2011 — which is four times as many than the previous year.The law put in place by state lawmakers and signed by the governor last year makes using a hand...

With the 2012 hurricane season now under way and memories of tornadoes and other natural disasters fresh in our collective minds, now is the time for individuals and businesses to safeguard their records by taking a few simple steps. Take Inventory. Gather all of your documents and make an invent...

Anywhere it rains, it can flood; and just because you’ve never experienced a flood in the past does not mean you won’t experience on in the future. Should a flood occur, your homeowners insurance will not cover any loss or damage to your home or possessions, that’s why Flood Insurance is one of t...

The days of legally driving while texting in West Virginia are numbered. A new ban on texting that also targets hands-on cell phone chatter became law. It’s among nearly 70 legislative bills taking effect on June 1st. As of July 1, drivers can be pulled over for texting.  if your Hands-on cell ph...

  I have heard many times over the years from Agent, lenders and clients. That they or their clients, don’t need Insurance; The Condo association covers the building. This is partially correct. The Condo association usually covers the Roof and building shell, you are responsible for the interior ...

When your client is purchasing a property, making sure they have the right policy is important.  Several months ago we were quoting a homeowners policy for a couple in Vermont  purchasing a home in Florida . the client stated, "it was a second home for seasonal use". we review several Insurance ...

Florida has  A new Uniform Mitigation Verification Inspection Form for Insurance Discounts. The new form is effective Feb 1st 2012. 2 of the new additions to the inspection report are Opening Protection Level Chart & a Inspectors affidavit. The Mitigation Verification Inspection Form is used for ...

1.      When in doubt, disclose. If you’re a real estate agent, disclosure should be your mantra. If you know something that is or could be important, you should make sure that your seller discloses that fact. Otherwise you too could be looking at a lawsuit. 2.      Know what hat you’re wearing. ...

I had an agent the other day that had called me on a property for her buyer, she called me while rushing to get to another appointment, while drive and speaking to me she was also emailing me the property info and buyers contact info.(not only was she driving,but talking & emailing me at the same...

You may be able to save money a year on homeowners insurance & lower your monthly escrow payments by shopping around. You can also save money with these tips.   *  Consider a higher deductible. Increasing your deductible by just a few hundred dollars can make a big difference in your premium.   *...