Vermost Insurance Agency - August 2023

Check out our August newsletter!

Protection Team News

WORRIES ABOUT HURRICANE SEASON Are You Prepared?

Wow, what a whirlwind of changes since our last

concerning. Let us hope that this year, we manage to avoid such adversities and keep the storms at bay. Another matter of concern is the Tampa Bay Lightning roster. The offseason has brought about significant changes as the team undergoes a dismantling and rebuilding process. Personally, I will miss the likes of Alex Killorn and Pat Maroon, but my daughter Ainsley is devastated by Ross Colton's departure. I understand Killorn's decision to secure a substantial deal worth $4 million per year, especially considering it might be his final

VOL 15, ISSUE 10

newsletter! The record-breaking heat has been quite the topic of discussion. Although the calendar assures us that we are not in August, it certainly feels like it. Hopefully, this early heat wave isn't an ominous sign of an active hurricane season, fueled by the warm waters surrounding us. While we've already witnessed a couple of named storms, the peak of the season is yet to come. It is crucial that you make the necessary preparations. Have you contacted our office to set up your access to our new web

Make Sure You’re Prepared for Hurricane Season Page 1 Become a Kid Again With ‘LEGO Masters’ Page 2 Personal Watercraft Insurance Is Crucial Page 2 Happy Birthday, Kobe

Ainsley studying abroad in London, England!

Bryant! Page 3 Referral Winners Page 4 Wacky August Holidays Page 5

portal, which is designed to assist you in getting ready? If not, we strongly urge you to do so without delay. In our previous newsletter, I mentioned Governor DeSantis signing several bills that will eventually lead to lower insurance premiums for everyone. The need for this relief has become even more apparent with recent news. The property and casualty industry nationwide faced staggering losses of $8.2 billion in the first quarter of 2023. Such figures do us no favors. These losses were primarily attributed to tornadoes, massive hailstorms, and other natural disasters. It is certainly not the ideal start to the year. If any tropical storm strikes the United States, it could prove detrimental to an industry already treading on uncertain ground. When reports emerge of rate hikes and carriers struggling to secure reinsurance in Iowa, it becomes evident that the situation is

contract. However, his absence will undoubtedly be felt, particularly in the locker room where his and Patty's leadership played a significant role. Only time will reveal the true extent of their absence and impact on the team. Of course, I couldn't end this newsletter without mentioning our beloved Tampa Bay Rays. While the injury bug continues to affect our pitchers, the team has displayed remarkable resilience, finding ways to win series after series. That's what truly matters! With the All-Star break behind us, we hope the extra rest will give the team the opportunity to recover and sustain this incredible run through the remainder of the season. Until next month,

Word Search Page 5

Grilled Halibut With Roasted Red Pepper Sauce Page 5 June Referrals and Puzzle Winner! Page 6

–Darren

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

www.vermost.com newsletter@vermost.com

DO YOU OWN A PERSONAL WATERCRAFT?

GET YOUR BRICK ON ‘LEGO Masters’ Will Please All Ages Most of us fondly remember letting our imaginations run wild with LEGO blocks as a kid. But it turns out some people never outgrow that fun. A community of high-level adult LEGO builders can construct astounding creations. And in the competition show “LEGO Masters,” they compete spectacularly to determine who is the best of the best. “LEGO Masters” follows a format similar to most reality competition shows. Teams of two compete every week in a new challenge. The team that does the worst goes home, while the others advance closer to the title of LEGO Master. Jamie Berard and Amy Corbett, two “master builders” who design kits for LEGO, judge the contestants. Meanwhile, actor and comedian Will Arnett covers hosting duties. Contestants have access to 3 million LEGO in the studio. (Fun fact: “LEGO” is the plural of “LEGO.”) But while they have every size and shape they could ever want, the challenges are no cakewalk. The builders must create structures that move, incorporate water, or hold enormous weight. Amy and Jamie give tips while the builders work and judge the teams on creativity, function, and storytelling. Unsurprisingly, at least one team disappoints most weeks, but many builds are incredibly impressive. You’ll be shocked to learn how much is possible with six-studded bricks! Arnett is a great host who is equally impressed with the contestants’ abilities and willing to inject some levity into the proceedings. His comedic bits keep the show moving, and he’s passionate about the different builds. He also has a destructive streak. Several challenges include builders creating masterpieces for Arnett to blow up, sledgehammer, or try to break with weights. Kids, in particular, will enjoy seeing the pieces go flying. “LEGO Masters” will entertain kids, teens, and adults with laughs, competition, and some education. However, there may be one downside to watching with your children: They might ask you to buy a lot more LEGO. But that, too, presents a new opportunity to bond and spend time together as a family. Even if you don’t win any prizes, making your own creations can be just as fun as watching the pros. As Will Arnett regularly instructs contestants, “Get your brick on!”

Here’s Why You Need Insurance

Summer is still in full swing, and that calls for more time spent on the water and under the sun. For many, personal watercraft, such as Jet Skis and WaveRunners, are how our clients dip their toes into the amazing world of boating. After all, there’s nothing better than spending a summer afternoon out on the water! However, it’s always important to remember that while watercraft are fun, they aren’t toys! In addition to practicing proper safety while operating them, it’s a good idea to carry personal watercraft insurance for those “uh-oh” moments — after all, they are vehicles and accidents sometimes happen. What does personal watercraft insurance cover? Small boats can sometimes be covered by homeowners insurance policies, but when it comes to personal watercraft, that’s not the case. Personal watercraft insurance covers both you and others that you allow to operate your watercraft for incidents that result in bodily injury to another person and bodily injury to you by another

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

Lessons We Can Learn From Kobe Bryant A few names come to mind when discussing NBA legends — players like Kareem Abdul-Jabbar, Bill Russell, and Michael Jordan. Kobe Bryant is always part of that conversation — not just because of his amazing talent but also because he loved basketball and played his heart out. Kobe was born on Aug. 23, 1978. Unfortunately, his life was cut short when he died in a helicopter crash on Jan. 26, 2020. In honor of the man who wore number 24, here are three lessons we can learn from Kobe. You must work hard and never give up. If Kobe wasn’t playing a game or practicing with his team, he was practicing alone. When he injured his shoulder during a game, he decided to play the game left-handed. When he was sick with a 102-degree fever, he still chose to play. And when he tore his Achilles tendon, he stayed in the game to take his free throw attempts. Kobe never gave up and always put his best foot forward, no matter the situation. Kobe’s dedication to his craft made him stand above the rest. You can always learn something new. During Kobe’s celebration of life ceremony, Michael Jordan recalled how Kobe would randomly text him out of the blue and ask about post-up moves, tactics, techniques, and more. Kobe was hungry for knowledge and surrounded himself with people he could learn from. He read the referee guidebook to understand the game better and even learned Italian and French to speak with his teammates and opponents. You must embrace new skills. When Kobe retired from the game in 2016, he wondered what he would do next. So, he reflected on what he enjoyed doing and found it in storytelling. He founded Granity Studios and, in 2018, won an Academy Award, a Sports Emmy, and an Annie Award for his animated short film “Dear Basketball.” When you’re in a career for a decade or more, it can be challenging to leave and start something new. But Kobe showed us that anything is possible. Thank you, Kobe, for inspiring so many people worldwide. Your passion for the game will live on forever. HONORING A LEGEND

watercraft operator who does not have watercraft insurance. It also covers you if you are sued following a watercraft accident. Personal watercraft insurance will also cover property damage to a boat, dock, or another watercraft (or other property that becomes damaged following an accident). In some cases, it will also cover having the watercraft towed following an accident or theft if your watercraft is stolen. It’s important to note that if you own multiple watercraft, you may be eligible for a multi-boat discount on your insurance, and that additional coverage may be purchased for trailers and accessories. It’s all about what you need! If you or a friend owns or is considering purchasing a personal watercraft, obtaining the proper insurance is important. Give us a call today — we have many different policies that we can tailor to your individual needs! We offer free, comparative quotes on personal watercraft insurance from multiple insurance carriers so you can receive a competitive rate for your custom coverage.

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 Prudential.com/advisor/chuck-chucri 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.

1007626-00005-00

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Toll free (800) 828-2226

Fax (727) 577-4991

www.vermost.com

newsletter@vermost.com

2023

BE A LIFESAVER

2022 REFERRAL WINNER!

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 Special Operations Memorial Foundation.

• A $50 GIFT CARD

• $5 Donation to our spotlight charity: Special Operations Memorial Foundation

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

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Wacky AugustHolidays

• August 2- National Coloring Book Day • August 3- National Grab Some Nuts Day • August 4- National Water Balloon Day • August 5- National Work Like a Dog Day • August 7- National Sea Serpent Day • August 8- Global Sleep Under The Stars Night • August 9- National Rice Pudding Day • August 10- National S’mores Day • August 12- National Garage Sale Day • August 13- International Left Handers Day • August 15- National Lemon Meringue Pie Day • August 16- National Tell a Joke Day

• August 17- National I Love My Feet Day • August 18- National Ice Cream Pie Day • August 19- World Honey Bee Day • August 20- National Chocolate Pecan Pie Day • August 23- National Cuban Sandwich Day • August 25- National Kiss and Make Up Day • August 26-National Cherry Popsicle Day • August 27- National Just Because Day • August 28- National Bow Tie Day • August 29- National Lemon Juice Day • August 30- National Toasted Marshmallow Day • August 31- National Eat Outside Day

WORD SEARCH

GRILLED HALIBUT WITH ROASTED RED PEPPER SAUCE

Ingredients

• 1 16-oz jar roasted red bell peppers, drained • 5 garlic cloves • 1 tbsp sherry vinegar • 2 tsp honey

• 1 tsp kosher salt • 1/4 tsp black pepper • 1/2 cup olive oil • 4 6-oz skin-on halibut fillets

Directions 1. In a food processor or blender, mix red bell peppers, garlic, sherry vinegar, honey, salt, and black pepper until smooth. Transfer sauce to a bowl; whisk in oil. 2. Into a large plastic zipper bag, pour 1 cup of sauce; add halibut fillets and seal bag; turn to coat fillets. Let marinate in refrigerator for 20 minutes. Reserve remaining sauce for serving. 3. Preheat a grill to medium-high (400–450 F). Remove halibut from marinade; scrape off excess. 4. On oiled grill grates, arrange fillets and grill, covered, until fish flakes easily, 4–5 minutes per side. 5. Transfer fillets to serving plates or a large platter. Drizzle with reserved sauce. Serve alongside preferred veggies and crusty bread. Inspired by FoodAndWine.com

Backpack Books Daffodil Festival

Friends Harvest Learning Meteor

Produce Smores Sunscreen Yardwork

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 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 and 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 June: Alex Muscati Mick Hunt Frank Putorti Adam at Wash Company Donald Kiceina Jr. Cristina Young Alex Muscati Kimberly Ireland Preferred Garage Door Kenneth Sheibley Eagle Rock Fl. Land Marianne Fisher Jessica Arriola Learning Labs Heather Fink STNR Creations Roseanne Georgia Carol Chandler Mary Rivera Victoria Whitman Tim Holt Larry Lasagni Tony Russano/Charles Par k

› 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

June Puzzle Winner: TBD June Referral Winner: Jessica Arriola

› Umbrella › Workers'

compensation

... and more!

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

Phone: (727) 748-2886

DONATE BLOOD

Donors Receive

Vermost Insurance Agency Monday, August 28 9:00 AM - 1:00 PM

eGift CARD $20

...and more!

All donors receive*: - $20 eGift Card - OneBlood Swag Bag

– PLUS –

- Wellness Checkup including blood pressure, pulse, temperature, iron count, and cholesterol screening. __________ Fact: One in three of us will need a blood transfusion.

– PLUS –

Appointments are encouraged, please visit oneblood.org/donate-now and use sponsor code 71418

*One offer per donor, per donation. No cash value. Not-transferable. Gifts may vary. For more information please visit oneblood.org/details. ID REQUIRED

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