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Howdy, everybody. Mark Rafail here for another Minute Monday. I had to drop a little rap for you. Today we're going to talk about the claims process for your business, home, or auto. A lot of times people get really happy to call the claims number and make a claim. Well, I'll give you an example. Let's say you have a $300,000 house and your deductible is 1 or 2% of that $300,000, so $3,000 or $6,000. You spot a little leak, you call the plumber out, and they say it costs $1,200 to fix. Well, now you've opened a claim. It's on your record and it's going to follow you, even if it's a zero payout. Why is that? Insurance companies are smart. They've done their research. They see the claims that get made even at zero payout eventually make a claim. So, first rule, call your agent and let them advise you to get an estimate before you make a claim on your business, your home, or your car to make sure it's well over your deductible and worth it. Tune in next week, guys. Bye.

Every September, the industry — led by Life Happens — comes together to sponsor Life Insurance Awareness Month. This campaign is designed to educate consumers about the importance of life insurance and the role it plays in protecting families’ financial security. LIMRA is proud to support Life Insurance Awareness Month (LIAM).

Every September, the industry — led by Life Happens — comes together to sponsor Life Insurance Awareness Month. This campaign is designed to educate consumers about the importance of life insurance and the role it plays in protecting families’ financial security. LIMRA is proud to support Life Insurance Awareness Month (LIAM).

Every September, the industry — led by Life Happens — comes together to sponsor Life Insurance Awareness Month. This campaign is designed to educate consumers about the importance of life insurance and the role it plays in protecting families’ financial security. LIMRA is proud to support Life Insurance Awareness Month (LIAM).

Every September, the industry — led by Life Happens — comes together to sponsor Life Insurance Awareness Month. This campaign is designed to educate consumers about the importance of life insurance and the role it plays in protecting families’ financial security. LIMRA is proud to support Life Insurance Awareness Month (LIAM).

Top flood insurance agent, Mark Rafail, talks about insurance myths with the Atascosita Community Response Team.

Many people think that if they don't live in a flood plain that they don't need flood insurance. In Houston, we are all in a flood plain!

IF you pay someone 1099, you don't need workmen's comp, right? NOPE!! Protect your business with the right business insurance and workmen's compensation.

713-429-1790