Sign Arkansas Banking Claim Easy

How can i industry sign banking arkansas claim

hello world it's kelly snodgrass if you don't already know me and i am the director of property and casualty at rs financial group in memphis and it's been a long time i was curious how long it's actually been and i looked it up and actually i thought was pretty funny i had the same outfit on in my last video it's obviously one of my favorites my sister and my personal shopper bought for me years ago and it was actually march 11th what 2020 was my last video and that was basically the time when our whole world changed and to be honest i just didn't really have it in me to do any videos so fast forward to today we just had a blue in memphis and in most of the south and after things started thawing out i started receiving a lot of phone calls over the weekend from clients property homeowners that were clients of mine that were having claims having issues with their home after the freezing weather and then i was working with a prospect on a homeowner's quote and could not believe the change in premium over a very small claim so i thought you know i think it's really important for me to hop on and just give you all a little tidbit of information you may or you may not already know we all hate to pay you know lots of money and insurance to want to uh make a claim to try to recoup some of that money that they've paid out in premiums over the years that's not always the best plan and insurance is really more for catastrophes and not just small claims every claim that you make is going to go on your record kind of like a credit score or something like that and it's going to affect your premium so i have a few different um just real life stories just to kind of give you some examples of what small claims can do to your premium years ago i was a brand new homeowner and a limb fell into my roof wasn't too big i freaked out because it any any puncture in my roof was scary and my mom said oh no big deal just call insurance so i called the 800 number and the really nice representative took all my information they sent someone out they put a tarp over the area i found a contractor that i was a customer of mine customer of mine at my previous place of employment and i knew they did did a good job so um i said i wanted him to repair it well when the quote came back to me for all of this work it was only twelve hundred dollars and i have a one thousand dollar deductible so i kind of started thinking maybe i should and this was years before i was in this industry i worked um in the banking industry at that time and i thought well maybe for 200 i should just go ahead and pay this myself and not have insurance just pay 200 and file a claim so i'll let them know like never mind i'm just going to go ahead and pay it well when renewal came my insurance premium went up and i was really confused so i called in and they let me know that i had a claim and i explained no i didn't that i paid for that myself and they let me know that even though i um it was called an unpaid claim so they didn't pay the claim but i still was penalized for calling in and um that was a little upsetting but a really good lesson and um my mom she had three small claims when we were growing up i think the last one was my sister um put the dish towel on the burner that was on and i grabbed it trying to get it somewhere and put the fire out and it burned me so i dropped it on the linoleum and just a small area one of my mom's paid all this amount out in premium and she thought well i'll just go ahead and get this fixed well she was canceled and then she had to purchase her insurance through lloyds of london it was super high and for three small claims um i had a client who bumped into my truck and again it was a brand new truck i needed my bumper fixed um and so he's very nice he said you know make the claim he was going out of the country what was his third claim and he i felt really bad because it wasn't even that much damage but he also got canceled after the third claim so fast forward to what was really upsetting as i was working with some prospective clients and i was quoting for them and the quote looked pretty good for their homeowners insurance and then when the report was pulled it showed they had a previous claim the claim was only for 2500 y'all very very small claim so if they had a thousand dollar deductible fifteen hundred dollars over the deductible that's it and it made such a difference in the quote that it actually increased at 717 was a little confused so i called the um i called the insurance company and was like hey what's going on and they let me know i said these people don't even live here this happened three years and four months ago and then they let me know that five years is how long that claim is going to follow them even though they don't even live in that home anymore um they're still going to get penalized for it so just a little easy math 717 dollars times five is going to be uh sorry y'all somebody's got a phone call in the office with me um anyways 717 times five is three thousand five hundred and eighty five dollars that twenty five hundred dollar claim has impacted their premium for the next five years possibly 3 500 possibly more um anyway so that was really upsetting so once i saw that i thought you know what i don't think people realize how much a claim can be impacted so i just wanted to take a few minutes let y'all know what can actually happen with a small claim now some people may not have the money at all so if they don't file the claim you know then they may not be able to get their damage repaired at all it may be all they can do to just come up with the deductible for that so um just food for thought when you do have uh something happen maybe give someone that you know a call or give a company a call to come out and give you a quote and give you an idea of how much the damage is before you decide whether to make the claim or pay it yourself or you could always call and discuss with your agent it's great to have an agent that you can just call at any time run things by them and see what their opinion is if you don't have an agent that you know personally you can always call me if you need a second opinion or something like that and i would be happy to answer any questions you may have so since the last video i have a new office and i thought i would take just a quick minute to show you all the new office and the view love my views from our 24 story building this is one of my favorite pieces of artwork that we have in here i'm having a hard time guys anyway it's some really great landmarks here in memphis we've got the um st jude hospital peabody hotel with the peabody ducks we have elvis's graceland uh mississippi river of course the riverboats that you can take cruises on and another nice piece of memphis art got our little table my sweet sister sent me those beautiful flowers just to tell me congratulations and remind me that it was five years ago that i made a very scary change to a completely different career path after 10 years of doing the same thing and with an eight-month-old baby so i started studying and for all of the license and credentials i needed for my current job and started on a completely different career path which has been it's been a blessing i love it i love being able to help people save money and make money and um and enjoy these great views not to mention i have some wonderful people that i work with and wonderful bosses so this is um i don't get the airport from here but you can see straight down there it's always backwards downtown and not near as beautiful as when the trees are all nice and green but still a great view got a nice sunset coming on jay are you talking about the number of years a claim lasts i bet that's what you're asking me and i think carriers are probably all carriers and states are a little bit different but i would say i know on autos most of them it takes that i deal with a claim is going to be on there for 36 months so i was really shocked to find out that the home is five years so i think most of them here in tennessee our business we work with as tennessee mississippi and arkansas for property and casualty insurance so that's what i'm more familiar with but i think it's probably going to be about five years anywhere really so hope i answered that question if that's not it message me and i'd be happy to answer the right question for you so everyone thanks for watching it was great to see you all i appreciate it i hope everyone has a great evening call message comment below if you have any questions my office number is 901 312 16 30 extension 4. everybody have a great evening see you soon