What's taking so long?

We’re an insurance company. You need insurance. We want to help you! You call us. We take your information and say we’ll get back to you as soon as we get a quote. Twenty minutes pass and you’ve heard nothing. What on earth are we doing?!

With the whole “fifteen minutes could save you…” and now the “fifteen minutes is an eternity; how about seven-and-a-half minutes?” we understand. You want options, and you want them now.

If you are looking for an automobile policy, and in your household you have a 2005 Chevy Malibu and a 2008 Toyota Corolla, we can probably get back to you within the hour with several options. However, it gets trickier if you have a one-ton truck. Or a vehicle with expensive modifications.

The same applies to homeowner’s insurance. You live in town in a 1986 Ranch home that is a lot like the neighbors’ houses? We should have numbers for you today. But if your house is underground? Or a Quonset hut? Or a boathouse? It might take us a while.

Here’s why: Insurance rates are based on risk. An insurance company assesses risk based largely on comparison with similar items or properties. A late model fifth wheel RV has a lot to be compared to, but an old school bus retrofitted as a recreational vehicle is going to be more difficult to price.

At Hejny Insurance Agency, we don’t write insurance. We connect clients with the best insurance providers to meet their individual needs. So while it might seem like sometimes it’s taking an unreasonably long time to put together a quote, the odds are that we’re putting out feelers and waiting for answers. Even if you have a very specialized business for which none of our providers have a market, they might have another lead… And while we’re investigating those leads, you can be working your day job, or Skyping your mom, or reading a book on the back porch.

It doesn’t stop there. Once you have insurance through us, you can always call us or stop by with concerns or questions, and if we can’t help you, we’ll be the ones to wait on hold for forty-five minutes while you head home to start dinner.

That’s the whole reason we’re here: We do the leg work so you can get on with your life. And we appreciate that you’ve let us do so for the past 28 years.

National Flood Insurance Program Extended for Five Years

I don’t know about you, but I find it very funny that a Congressperson named Waters helped author a bill about the flood insurance program.

President Barack Obama has signed the “Biggert-Waters Flood Insurance Reform and Modernization Act of 2012” into law. The law extends the National Flood Insurance Program (NFIP) for five years and makes reforms to the program.
http://www.insurancejournal.com/news/national/2012/07/09/254797.htm

The Rains Came Down and the Floods Came Up

If you’ve spent much time at all in Texas, I’m sure you’ve heard the saying, “If you don’t like the weather, just wait five minutes.” Our weather has been known to do some pretty unpredictable things in this area. It’s not uncommon to go without any rain at all from June to September. And when it does rain in the summer, it’s usually only a brief shower. Normally severe weather passes through in about a hour, maybe two.

That’s why it was so surprising to have floods in Sherman last summer.

If you’ve spent much time at all in Texas, I’m sure you’ve heard the saying, “If you don’t like the weather, just wait five minutes.”  Our weather has been known to do some pretty unpredictable things in this area.  It’s not uncommon to go without any rain at all from June to September.  And when it does rain in the summer, it’s usually only a brief shower.  Normally severe weather passes through in about a hour, maybe two. 

That’s why it was so surprising to have floods in Sherman last summer.  The same storm kept circling back again and again and again.  I was awakened by thunder at two in the morning.  When I woke up at six, the same storm was still going strong.  It finally started to let up around eight.  That’s six straight hours of very heavy rain.  Roads were impassable, the high school football stadium was under water, and sadly a couple of people died in rapidly rising water.  Our county and the next one over were featured on CNN. 

There’s a very large creek that runs parallel to Highway 75 on the south side of town, which happens to be a relatively low-lying area.  Guess where all that water went?  First into the creek, and then into the nearby houses after the creek overflowed its banks.  People who live in that area reported floodwaters four feet high in their homes.  You would be amazed at how many of your belongings are lower than four feet from the floor.

A lot of people were reminded in the days to come that homeowners insurance doesn’t cover damage from rising waters.  And as you can imagine, those who had purchased flood insurance were very grateful they had.  And those who hadn’t take out coverage . . . well, they weren’t very pleased at all.  They learned a very important lesson: Just because insurance isn’t required doesn’t mean you don’t need it!

You can use freeflood.net to determine whether your home lies in a flood zone.  But remember, homes that weren’t necessarily considered at high risk for floods had high water marks last summer.  Don’t let yourself be one of those left saying, “If only I’d had flood insurance!”  Contact us today to discuss your needs.