Check out our October newsletter!
Protection Team News
WHY YOU NEED FLOOD INSURANCE
VOL 13, ISSUE 9
Unfortunately, this month, I am writing about the aftermath of Hurricane Ida hitting family and friends in Louisiana, Mississippi, and the Northeast. Yes, this one storm has ruined a lot of people’s lives and left billions in damage. The initial images we have all seen should be an eye-opener for the rest of us. I will say it one more time: Get a plan now and be ready to leave, especially on short notice. A number of people interviewed have said that they didn’t have a lot of time to get out and were stuck at home to ride out the storm. Not only did they not get out, but a number of people also did NOT have flood insurance, thinking that their elevated home wouldn’t flood. Guess what! The water washed away the pilings and took out the entire home. Please do NOT wait until the storm is staring you down to try and get flood insurance. It will be too late. If you asked a number of residents of New York City, New Jersey, or even Philadelphia if they have flood insurance, the answer would be NO. Bet they wish they had it now … As I have said for many years, it only takes one storm to ruin your year. Ida just ruined a lot of people’s years. To make matters worse, Ida hit Louisiana on the 16th anniversary of Hurricane Katrina hitting New Orleans. I don’t think the State of Louisiana will ever forget Aug. 29, with two very devastating storms hitting the state on the same date in history. Enough of the depressing news — let’s talk about what’s right in Tampa Bay! First stop is the Tampa Bay Rays. They have continued to lead the American League standings, beating the Boston Red Sox and New York Yankees, as well as many other teams they have been facing. The
The Importance of Flood Insurance Page 1 How the MLB Helped Create Disney+ Page 2 Industry Education Page 2 Did You Know ... Page 2 Deep-Cleaning Hacks for the Holidays Page 3 Check Out Our Referral Program! Page 4 Wacky October Holidays Page 5
Noelle & Darren enjoying Top Golf!
Rays have a “never give up” attitude with all of the games they have come back in the 8th and 9th innings to win. If they keep up this pace, they will get the top playoff position in the AL and will watch Boston and New York battle it out to make the playoffs. Go Rays! Lastly, we need to shout out the Tampa Bay Buccaneers, who have recently completed training camp and will be in the regular season when you are reading this newsletter. They made it through camp without any significant injuries. They are also one of the first NFL teams to be completely vaccinated. Go Bucs! Until next month, –Darren
Word Search Page 5
Oktoberfest Soft Pretzels Page 5 September Referral Rewards and Puzzle
Winner! Page 6
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INDUSTRY EDUCATION Boat and Marine Insurance Owning a boat in Florida is fun, exciting, and rewarding. Believe it or not, heading out on the local water to watch the sunset or go fishing is possible without boat insurance. Boat and marine insurance are not required by law in Florida to be able to own and operate a boat. However, if you took out a loan and used your boat as collateral on that loan, most lenders will require that you have insurance in the event that damages occur to your boat. If you decide to store your vessel at a marina, you will also be required to have insurance on your boat in case injuries or damages take place. Just because boat and marine insurance is not required in most situations does not mean that you shouldn’t carry it. If your boat is worth more than $1,000, we highly urge you to carry coverage. Usually, coverage for vessels is limited to about $1,000 and will only be applicable for certain types of damages to your boat.
THANKS, BUD!
Baseball’s Former Commissioner and Streaming TV
You don’t become America’s national pastime without learning how to adapt — and Major League Baseball (MLB) made the ultimate pivot. This October, MLB’s biggest stars and teams with the most wins all-time will take the field for the 2021 playoffs. The winners will be crowned champions of the world, but the league these champs call home already own an equally prestigious title: the founders of streaming services. Their legendary reign started back in the early 2000s, when former MLB commissioner Bud Selig asked every team in the league to contribute $4 million for the creation of Baseball Advanced Media (BAM). At that time, the dot-com bubble had yet to burst, and Selig wanted America’s once favorite sport to “keep up with the times,” so to speak. BAM created a website for each team, but it soon took on other qualities that gave it an edge. The Hustle reports that BAM offered online video, multidevice watching services, and a large data and broadband structure before other major platforms even existed. BAM soon became such a smashing success that it turned into BAMTech and started creating platforms for other popular sports leagues like World Wrestling Entertainment (WWE) and the National Hockey League (NHL). (It even assisted HBO!) In 2017, one of the biggest players in movies, Disney, invested in BAMTech, claiming a majority stake, and began its transition into streaming services. Soon after, as The Hustle reported in July 2021, Disney+ announced a streaming platform with features similar to that of Netflix and BAM. In March 2021, Disney+ hit more than 100 million users, making it a powerhouse in streaming — all created because of BAMTech. Today, BAM and BAMTech are credited with being on the forefront of streaming services, and they continue to hold a power position over streaming and within entertainment companies. "Media companies are not good at tech and really struggle with large scale," says investment analyst Rich Greenfield at The Verge. "They don’t trust companies like Google or Amazon, who want to displace them. BAM is seen as friendly."
Vermost Insurance NOW has a relationship with Chuck Chucri, who offers Financial
Planning & Investment
Did You Know ...
Advisory Services.
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1200 Belcher Rd. S., Suite 1
Largo, FL 33771-3315
Phone: (727) 748-2886
4 Deep-Cleaning Hacks to Prep for the Holidays You Can Use WHAT to Tidy Up?! Prepping for the holidays is exciting and fun, but it requires tons of planning, cooking, decorating, and cleaning. To avoid getting bogged down while preparing for cheerful celebrations with friends and family, try these easy ways to get your house sparkling clean and ready to host. Roll the Ceilings When it comes to ceilings, especially if they are textured, thoroughly cleaning off dust, dander, and cobwebs can be challenging. When you use a broom, chunks typically go flying around and make a larger mess. However, if you whip out a painting roller, dampen it, and roll your ceilings just like you are painting, you are sure to get the job done! Socks on Your Hands
Keep in mind that many homeowners insurance policies may offer limited boat and marine insurance. Boat insurance covers damage to the boat itself or your personal property. It also covers damage from a collision that is your fault or the fault of an uninsured party and damage to another person or their personal property. Some boating insurance policies may also cover a tow in the event that the boat breaks down in the middle of the water. As with any insurance, basic coverage limits, which is the maximum that your insurance company will pay out, will apply. If your boat is stolen or succumbs to damages, you will be glad you have boat and marine insurance to protect yourself. For more information on how boat insurance can benefit you, call us today!
Have you ever run a finger along a panel of your blinds and it comes up black? Blinds tend to be huge dust collectors. By throwing some socks on your hands, you can get back to clean blinds. All you have to do is find a pair of old socks, “glove up,” and dampen them. From there, if you grip each individual blind panel and slide your hand along the length of it, you will gather tons of nasty dirt and dust onto the sock. Cleaning Balls Utilizing tennis balls for your house chores may sound strange. However,
CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP®, CLU®, ChFC®, FLMI Financial Planner The Prudential Insurance Company of America Prudential.com/advisor/chuck-chucri Our financial advisors offer investment advice, and some may offer financial planning. Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS). A financial advisor or financial planner offers securities, products, and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. 1-800-778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial.
when drying a bulky bed comforter in your dryer, adding a few tennis balls will ensure the stuffing does not gather all to one side. The balls help keep everything nice and even. Pillowcases and Fans Your ceiling fans collect all of the nasties — dirt, dust, bugs, and allergens. For an easy way to clean them without spreading all the grime around your home, turn to old pillowcases! Simply slip the pillowcase over each individual fan blade and then wipe. All of the debris will end up in the pillowcase itself. A clean home is the key to happy living and is paramount for hosting over the holidays. With these tricks up your sleeve, you are now a cleaning expert!
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Toll free (800) 828-2226
Fax (727) 577-4991
www.vermost.com
newsletter@vermost.com
2021
INSPIRING HAPPINESS!
2020 REFERRAL WINNER!
We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2020. When you refer someone to us, you receive rewards for each referral and are entered into monthly and annual drawings for additional, even bigger prizes. Your referrals mean a lot to us, and we want to reward you for helping us grow our Vermost Insurance family. The annual grand prize winners of our 2020 referral program are Diane and Joseph Goulah. They received a 55-inch 4K TV plus a $250 donation to the Alzheimer’s Association, their charity of choice. If you want a shot at next year’s prize, keep sending referrals our way. Your referrals make us happy, and we hope our referral program makes you happy, too!
Diane and Joseph Goulah are our 2020 referral winners of the 55-inch 4K TV, plus a $250 donation to the Alzheimer’s Association, their charity of choice.
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1200 Belcher Rd. S., Suite 1 Phone: (727) 748-2886 1200 Belcher Rd. S. Suite 1 ● Largo, FL 33771-3315 ● Phone: (727) 748-2886 Largo, FL 33771-3315
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Wacky October Holidays
• October 2: Name Your Car Day • October 4: World Farm Animals Day • October 5: Do Something Nice Day
• October 13: National Take Your Parents To Lunch Day • October 16: Boss's Day • October 18: National Meatloaf Appreciation Day
• October 6: National Noodle Day • October 7: National Frappe Day • October 7: International Walk To School Day • October 9: Curious Events Day
• October 21: Count Your Buttons Day • October 24: National Bologna Day • October 27: National Black Cat Day • October 29: National Frankenstein Day • October 30: Mischief Night • October 31: Carve a Pumpkin Day
• October 10: National Handbag Day • October 12: National Gumbo Day
WORD SEARCH
OKTOBERFEST SOFT PRETZELS
Inspired by Tasty.co
Ingredients
• 1 1/2 cups warm water • 1 tbsp salt • 1 tbsp sugar • 1 packet active dry yeast • 4 1/2 cups flour
• 3 tbsp oil, divided • 2/3 cup baking soda • 2 eggs, beaten • Coarse salt, for sprinkling
Directions 1. In a bowl, combine water, salt, and sugar. Add yeast and let rest for 5 minutes. Add flour and 2 tbsp oil, then mix thoroughly into a dough. 2. Remove the dough from the bowl. Coat bowl with remaining oil, then return the dough, cover with plastic wrap, and set it aside in a warm place for 1 hour. 3. Preheat oven to 450 F. 4. Cut dough into 8 pieces. Roll them into thin ropes, then twist ropes into pretzel shapes. 5. In a large pot, boil water. Add baking soda, then boil each pretzel for 1 minute, flipping halfway through. 6. Transfer pretzels to a baking sheet. Brush them with egg and sprinkle with salt. Bake for 10–15 minutes. Enjoy!
Black Costume Ghost Halloween Haunted Moon
Mystery Orange Party Pumpkin Shadows Spooky
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Toll free (800) 828-2226
Fax (727) 577-4991
www.vermost.com
newsletter@vermost.com
PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
1200 Belcher Road South, Suite 1 Largo, FL 33771 www.vermost.com (727) 748-2886
INSIDE THIS ISSUE
You Make Us Happy
We insure more than just cars & homes. Here's a list of some of our lines of protection:
Thank you for recently referring your friends, family, and coworkers to our agency. With your help, our Vermost Insurance family keeps growing! We hope our referral program makes you happy, too! People who referred clients to us in August:
› Antique vehicles › Annuities › Auto › Boat/RV › Bonds › Builders' risk › Commercial auto › Commercial property › Condo › Dental › Disability › Employee benefits
› Flood › General liability › Health › Home › ID theft › Life › Mobile home › Motorcycle/Jet Ski › Notary public
Susan Elliott Long KeyV Peter Clauss American Euro Linda Hicks Rick Garmezy Arlene Cook Amanda Tickle
Donald Odle Ken Rome
Seavue Painting Adi Diane Mangsen Law Mary Rivera John Roberson Sr
September Puzzle Winner: Angela Maseda September Referral Winner: Peter Clauss
› Umbrella › Workers'
Compensation
... and more!
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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315
Phone: (727) 748-2886
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