Vermost Insurance Agency - March 2023

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Protection Team News HELLO, FLOOD INSURANCE Goodbye, Tom Brady

Holy cow! Can you believe the first quarter is quickly ending? It doesn’t seem possible, but it’s true. Hopefully, all your New Year’s resolutions are still intact. Last month, I talked about the Special Session for insurance and that we were looking for more details and their impacts. Well, we are starting to see some changes, and not everyone is going to be in love with them. Let’s start with Citizens Property Insurance Company. They are rolling out the mandated changes from the Special Session that affect anyone currently with a policy with them or wanting to get a policy with them. If you are trying to get a new policy with Citizens and your house is in a Special Flood Hazard Zone, you are now required to carry flood insurance — no ifs, ands, or buts. In addition, if you get a quote from another insurance company and the quote is less than 20% higher than Citizens, you are barred from taking the Citizens policy. Do you get the hint that they are trying to slow the growth of Citizens? If you are a current policyholder of Citizens, your type of policy and your policy limits will determine if and when you will be required to have flood insurance in order to stay insured with Citizens. I know this all seems very confusing, so give one of our trusted insurance advisors a call to discuss your specific situation so you can be prepared. This is just the beginning of many changes coming down the pike. Stay tuned. As we get more information, I will share it with you. It’s never a dull moment … Speaking of something else coming to an end, what about the reign of Tom Brady as the quarterback of the Tampa Bay Buccaneers? I’m pretty sure this will be his last time to “retire” from


Hellos and Goodbyes on the Horizon Page 1 6 St. Patrick’s Day Fun Facts Page 2 The Importance of Builder’s Risk Insurance Page 2 NBA Awards Now Honor GOATs Page 3 Referral Winners Page 4 Wacky March Holidays Page 5

Darren & Noelle at UF Gymnastics meet

the NFL. It was a fun ride that lasted three years, with Tom leading the team to many wins, including a Super Bowl. What the future holds, I don’t know, but I don’t expect to see that many winning seasons in the near future. The salary cap hit from Tom and the other players the team signed will now be an issue. It will take the Buccaneers a few years to get past it so they can sign some newer and better players. Now, it’s time to rebuild. Thanks, Tom, for all the pewter memories! Until next month, –Darren

Irish Pancakes Page 5

Sudoku Page 5 January Referrals and Puzzle Winner! Page 6

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Toll free (800) 828-2226 Fax (727) 577-4991

PROTECTED FROM THE GROUND UP Why Builder’s Risk Insurance Is Right for You Are you a builder or do you own commercial properties? If so, did you know that if things don’t necessarily go as planned during a construction project, you could be held liable? Builder’s Risk Insurance can offer you protection and peace of mind to cover buildings while they are under construction. After all, you never know what could go wrong between the official groundbreaking of a new project to the ribbon-cutting ceremony after the completion of the project. Vandalism, theft, fires, lightning, hurricanes, earthquakes, hail, and explosions could all significantly damage a construction site, building materials, or machinery and equipment necessary for the job. With so much that is completely out of your control, it’s important to make sure you are protected! Builder’s Risk Insurance policies can be written to cover an entire structure or just specific projects within a structure, such as a room addition, bathroom remodels, or the addition of a deck. Builder’s Risk Insurance also provides coverage for temporary


6 Fun Facts About St. Patrick’s Day

Year after year, we celebrate St. Patrick’s Day with green shamrocks, leprechauns, pots of gold, and Lucky Charms, but did you know that St. Patrick was actually British? Even more surprising, St. Patrick isn’t even his real name! Get ready to celebrate the luck of the Irish while impressing others with some fun St. Patrick’s Day trivia. The man’s British roots run deep.

St. Patrick isn’t Irish — he was born in Britain around the end of the fourth century. Legend has it that at 16 years old, he was kidnapped and sold into slavery by Irish raiders. After six years, he was able to escape back to Britain and returned to Ireland much later as a Christian missionary. Ireland named him the country’s patron saint after he passed away. March 17 isn’t St. Patrick’s birthday. Many believe that we celebrate St. Patrick’s Day on his birthday, but it’s actually the day he died in 461 A.D. That’s not his name. As mentioned earlier, St. Patrick is not his real name! When he became a bishop, Maewyn Succat changed his name to Patrick. He didn’t banish snakes. Legend has it that St. Patrick banished all of the snakes from Ireland. In fact, even some portraits depict him doing so. However, fossil records show that snakes were never present in Ireland around his lifetime. Corned beef and cabbage originated in America. On March 17, everyone loads up on corned beef and cabbage in celebration, but did you know that in Ireland, they ate ham and cabbage, and the corned beef tradition actually began in America? In the 19th century, Irish Americans bought leftover corned beef from ships returning from China. The first St. Patrick’s Day parade happened in America. Many believe that St. Patrick’s Day was first celebrated in Ireland, but in 1737, the first St. Patrick’s Day parades actually took place in Boston and New York City.

Vermost Insurance Now has a relationship with Chuck Chucri, who offers financial planning and investment

Did You Know ...

advisory services!

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1200 Belcher Rd. S., Suite 1

Largo, FL 33771-3315

Phone: (727) 748-2886

storage buildings, scaffolding, construction fencing, damaged equipment, and materials used for the project. It will even cover trees, plants, blueprints, and electronic data! In most Builder’s Risk Insurance policies, an additional option known as movement of earth can be attached. In the event that the earth literally moves and damages a construction project, this could be very costly; thus, having coverage may be your saving grace! It should be noted that Builder’s Risk Insurance policies typically do not cover damages that result from rust, corrosion, acts of war and terrorism, wear and tear, or faulty design. If you are a builder, lender, subcontractor, architect, or general contractor, we highly recommend considering Builder’s Risk Insurance. Give us a call today so we can discuss the type and amount of coverage that you need — we want you to be protected!


Over the years, the NBA hasn’t been one to shy away from changing its awards system. They’ve changed the All-Star Game MVP award to be named after Kobe Bryant, redesigned their championship trophy, and even added new awards. But the NBA recently changed five of its most prominent awards to honor some of its most iconic players. Michael Jordan is now on the MVP Trophy.

Widely considered the best NBA player of all time, Michael Jordan is now the man in gold atop the NBA’s MVP Trophy. The trophy also reflects Jordan in other ways, such as being 23.6 inches tall and 23 pounds, an homage to Jordan’s jersey number and number of championships (6). The Defensive Player of the Year is now the Hakeem Olajuwon Trophy. Hakeem Olajuwon is known for being an indomitable defensive force, holding the NBA record for blocked shots and coming in eighth for the most steals. This trophy showcases a gold player frozen in the classic defensive stance inside a crystal pillar. Rookie of the Year is now the Wilt Chamberlain Trophy. In the 1959-60 season, Wilt Chamberlain made history as a rookie. He averaged 37.6 points and 27 rebounds while playing just over 45 minutes each game for the Philadelphia Warriors, a record that remains unbeaten to this day. This trophy features a gold player, floating inside its crystal, palming two basketballs. The Sixth Man of the Year Trophy is now the John Havlicek Trophy. The sixth man undoubtedly is a force that carries his team, and being the first to come off the bench and give it his all is what John Havlicek excelled at. With 13 All-Star Selections and eight championships, Havlicek embodied that pivotal role player. This trophy features a player shooting a running jumper, a move that is symbolic of the boost the sixth man provides his team. The Most Improved Player award now honors George Mikan. George Mikan knew how to work hard to improve his game — so much so that since his time in the NBA, the “Mikan Drill” has been used by players worldwide to enhance their footwork. This trophy features a gold player jumping for a lay-up.

CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP®, CLU®, ChFC®, FLMI Financial Advisor The Prudential Insurance Company of America 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.


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Toll free (800) 828-2226

Fax (727) 577-4991




We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2022. 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 winner of our 2022 referral program is Christine Taylor. She received a 55-inch 4K TV plus a $250 donation to a charity of her choice. If you want a shot at the 2023 prize, keep sending referrals our way. Your referrals make us happy, and we hope our referral program makes you happy, too!

Christine Taylor is our 2022 referral winner of the 55-inch 4K TV, plus a $250 donation to a charity of her choice.


• $5 Donation to our spotlight charity: SPCA-Tampa Bay

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1200 Belcher Rd. S., Suite 1

Largo, FL 33771-3315

Phone: (727) 748-2886

1200 Belcher Rd. S. Suite 1 ● Largo, FL 33771-3315 ● Phone: (727) 748-2886


Wacky March Holidays

• March 1- National Pig Day • March 2- National Old Stuff Day • March 3- National Dress In Blue Day • March 4- National Pound Cake Day • March 5- National Cheese Doodle Day • March 7- National Flapjack Day • March 9- National Meatball Day • March 10- National Pack Your Lunch Day • March 12- National Plant a Flower Day

• March 17- National Corned Beef and Cabbage Day • March 18- National Sloppy Joe Day • March 19- National Let’s Laugh Day • March 20- National Ravioli Day • March 22- National Goof Off Day • March 23- National Chip and Dip Day • March 24- National Chocolate Covered Raisin Day

• March 26- National Spinach Day • March 27- National Scribble Day

• March 13- National Open an Umbrella Indoors Day • March 14- National Learn About Butterflies Day • March 15- Everything You Think Is Wrong Day • March 16- National Everything You Do Is Right Day

• March 28- National Something on a Stick Day • March 29- National Lemon Chiffon Cake Day • March 30- National Virtual Vacation Day • March 31- National Crayon Day



Start your March mornings off with a seasonal flair by making these traditional Irish pancakes! Thick yet crispy, these pancakes are a sweet way to fuel your day.


• 2 cups all-purpose flour • 1/2 tsp baking soda • 1/2 tsp kosher salt • 1 tbsp white sugar

• 1 large egg, beaten • 1 cup buttermilk • 2 tbsp unsalted butter, divided


1. In a bowl, sift the dry ingredients together. Set aside. 2. In a skillet, brown 1 tbsp of butter. 3. In a separate bowl, mix the beaten egg, buttermilk, and browned butter. 4. In a constant stream, add the wet mixture to the dry ingredients while stirring. Do not over beat! 5. Heat a skillet over medium-low heat. Add 1 tbsp of butter, stir until the skillet is coated, and then add a few large dollops of batter (about 3 inches wide) to the pan. Do not overcrowd. 6. Cook 4–5 minutes a side, until golden brown and cooked through. Serve with butter, jam, and syrup. Inspired by

You can fax, email, or mail your completed puzzle for a chance to win our monthly prize!

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Toll free (800) 828-2226

Fax (727) 577-4991


1200 Belcher Road South, Suite 1 Largo, FL 33771 (727) 748-2886


You Make Us Happy

We Insure More Than Just Cars and Homes Here's a list of some of our lines of protection:

Thank you for recently referring your friends, family, and co-workers 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 January: Strange Cloudz Phil

› Antique vehicles › Annuities › Auto › Boat/RV › Bonds › Builder's 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

Peter Clauss Abe Moussa K&F Associates Kevin Mahr Florida Pro Tech Louis Broyles III Stewart Goldie Lisa Hall

Marines Aviles Larry Lasagni Professional Fiduciary Carol Borgeson Darby Jones Diana Shields

January Puzzle Winner: Stephanie Anderson January Referral Winner: Louise Marden Hoffman

› Umbrella › Workers'


... and more!

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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315

Phone: (727) 748-2886

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