What to Know About: Insurance »
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4949 Blanding BlvdJacksonville, FL 32210
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In the event of a disaster that affects your home and property, what are your options?
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Now that we are at the final stage I want to take time to thank you for all you have done to make this the most seamless personal business process I have been through to date. From the beginning of our working relationship, you have been completely organized, have responded to my questions in a timely manner, have provided all information I needed to give me the 'comfort' level I required to follow through with this refinancing process, and you have, at times, given me the distance I needed to think things through on my own and break ties with other firms I was considering working with before proceeding with you. (That was something ethically I felt necessary to do before proceeding with your firm as you well remember.)I have been very pleased with the way you have handled my refinancing. Thirteen days from the day I said I would go with you and your firm to the day I closed on my refinancing. I am very impressed that you remained focused on each date along the way. You kept me focused on returning each and every document required to you in a timely manner to keep the whole process on track. If this was a football game, I would say, 'You are a great coach!'I also appreciate your 'out of the box' thinking in that you suggested I speak with Jessica concerning my insurance. In doing so, as you know, I am changing auto insurance and saving another significant amount of money per year. Thank you for this as well.I wish you well with your 'Feeding the 750 Families' project (I hope I got the number correct). I wish you and your firm well and much success in doing such a gracious and needed project. Our country and economy is in such a state that people, people, are hungry and suffering on a daily basis. My church is also involved with a project like this (only on a much smaller scale). I will think of you and your company as we work on our project at church. I hope we both reach as many families in need as possible - there are so many out there!In the end, I feel like I am losing a friend.. Take care, Billy and sincerely...thank you so very much for everything! You are great! You are very skilled, are a very personable man, and do your job very well.
I would like to take this opportunity to thank LATISHA for the exemplary manner in which she handled my loan. I was under a great deal of stress during the time I contacted your company. Latisha was a STAR. I did not have to worry for one minute because she kept me informed every step of the way. She handled every angle for me and went above and beyond what I would have ever expected. Further, (and to MY good fortune), Latisha and I became friends!The other companies I was dealing with (three) became extremely obnoxious when I told them I was settling with Foundation Financial Group. Their loss... Do something right in this world and 3 people hear about it; do something wrong and 3,000 hear. I will make sure everyone I know hears about the unprofessional manner of these companies and how I was treated. They were "right there" when I was inquiring about refinancing; they were highly unprofessional and one company (a MAJOR company in this area) was outright obnoxious when I said I was settling with FFG. As young as Latisha is, she displayed more professionalism and KINDNESS that the other three companies combined. Be glad she doesn't live in this area -- I would snatch her away to work with me!To tell the truth, I would have even gone higher on the loan - ONLY to deal with Latisha. She IS that good. I would hope that you would pass my comments on to her and COMMEND her for a job well done. She has gone above and beyond my highest expectations. She is definitely an asset to your company and she would be an asset to ANY company she where she might work in the future. I have no clue where you got her from, but I would like to have someone of her caliber working for me!I would hope that you will consider adding my comments to any - and I mean any - form of advertisement for FFG. I only ask that you keep my address and phone number confidential.I am extremely fortunate to have encountered FFG and especially Latisha Lezama.. I will HIGHLY recommend FFG to my friends and will most certainly tell them to contact Latisha if they expect GREAT satisfaction! ------ Ruth A.
My Husband and I were looking to refinance our FHA loan and really had no idea who to call. My husband tried to contact some people but they really were not helpful. Our original loan was with a big bank and we couldn't even get them to do the right thing. It was almost impossible to get someone who would return a phone call or who even knew what they were talking about.One day my husband was speaking with a co-worker who was also looking to refinance their home and they suggested that we contact Kevin Brady @ Foundation Financial Group. We figured at worst case, we will make a call and get no help. Boy were we pleasantly surprised. Not only did we get a call back from Kevin, but he actually called us back at the exact time he said he would. He spent so much time with us that he was the last one leaving the office that night just to make sure that all of our questions were answered.We will never forget the time that he took with us. He was very knowledgeable and helped us to understand a lot about the whole refinancing process. The thought of refinancing was kind of scary and we didn't know how much or how little was involved but Kevin really took the time to walk us through everything and get the process to run smoothly and quickly!It used to be that you would call someone and they would care enough to want to help you. That is not the case anymore. It is a rarity that you can walk into a store, bank, restaurant or even call up for customer service and the person on the other end is willing to do their job, let alone care about you as a person. Kevin not only does his job but also cares about the people that he is trying to help. It was an absolute pleasure to deal with Kevin and we will HIGHLY recommend him to anyone that we may know that is look to refinance or even go through the mortgage process for the first time. We didn't have the pleasure of knowing Kevin for our purchase, but boy do I wish we did!!Kevin's dedication to what he does is refreshing and I just wanted to let you know that you have a wonderful employee in him.
I have been a client of Danny Dupree insurance Agent for over 25 years not only have I received the best insurance rate every. Everyone here goes above and beyond for the best rate and truly have your best interest at heart. Dupree Insurances Agent is top knot service and top-notch individual to do business. The staff is very professional and courtesy to all client, most of all they take whatever problem that needs to be addressed immediately into thier hands. Danny Dupree the owner will go out his way to make sure that every customer's are satisfied and that every customer are treated fairly and all theirs needs are met fully before they walks out his office with a smile and knowing that their business is conducted in a professionally matter. Thank you Danny, Stephanie, Pamela, Jessie and Dana for making me feel like I'm well taken care of and a part of the Dupree family and most of all for being dedicated employees. Highly recommend Dupree Insurance Agent to anyone who's looking for insurance for their needs. Anyone that says different clearly does not even do business with them. They are very professional and they offer the best customer service skills that a insurance Agent could ever provide. I only wish that the stars could be rated more than 5 stars. DANNY DUPREE INSURANCE AGENT IS A AWESOME, EXCELLENT, PROFESSIONAL, COURTESY ORGANIZED, HELPFUL, LOVEABLE, HONEST AND FAMILY ORIENTED. DANNY DUPREE INSURANCE AGENT should be rated a 20 STARS. Keep up the good work I love you guys! Karen Williams #1client
Very sorry this dyson customer was upset there are two side of the story I talk to the customer on the phone he was using profane language that’s why I ended the phone call some people are vindictive I like dyson vacuum cleaner that why I am dyson service center I am warranty service center for many manufactures most vacuum store do not want to do warranty repair I am the only vacuum center that does dyson warranty repair in Jacksonville repairs and ordering parts take time I have been working in this business for 50 years I do good quality works at a fair price there was a dyson warranty service center in orange park who gave it up I ask why he told me he did not need the grief and the abuse from customer when my water cooler broke under warranty the center told me three weeks to just to look at I understand that repair takes time. I paid a man to build me a computer, I paid upfront and it took him five weeks to do it. I know repair takes time. Why did take him so long? Because he has a lot work and he is good at what he does and he takes time. The same goes for me: I take time in my repair work because I do good work at a fair price I work on thousands of thousands vacuum cleaners every year and have many happy customers. Some people are not happy or just bored to where they want to start fights. We do not fight with our customers. I forgive those whose trespass against me. We always tell our customers to have a bless day. I run a Christian business with Christian values. Michael Kelly VP of Allstate Vacuum Cleaner Company. Revised 3/1/14
Megan, our experience with you at Foundation Financial has been nothing but positive. Unlike a majority of lenders, you took the time to listen and understand our financial situation. We felt you gave us a recommendation that would benefit us because you understood our objectives and goals.At no time did we feel pressured or rushed into a decision. You always made the time to explain and discuss concerns that we had. I was skeptical, but you were right when saying that this process was going to be as stress free as possible. I loved that you always made yourself accessible and returned our call or emails in an extremely timely manner. Your professionalism and lovely personality are a rare commodity in today's business world. You are truly an asset to Foundation Financial.Tammy was also a pleasure to speak with. As a front person for Foundation Financial, it was evident from the very first conversation we had, that this was going to be a different experience than what we had been encountering with other lenders. We are very pleased that we pursued discussions with her and ended up with a extremely positive experience with you!We thank you for your hard work and dedication in helping us refinance our mortgage.
I want to thank you Stacy for being a great mortgage specialist and helping us with all of the ins and outs of the application process. Your expertise and knowledge of the process was a big help and made it easy for us to put the application together and ready for submission.We also appreciate the extra mile you went to make sure we had all of the necessary documents well ahead of the time they were needed. There was no crisis management involved during any part of our application.The closing was an easy process with no delays or surprises. We will recommend you and your company to our friends who may be in the market to refinance their homes. Thank you again and we wish you well.
Hi Jeff, Mike and I are very grateful that you made it so easy for us to get our 3% 10 year mortgage approved by Foundation Financial Group last month.You made the loan process so efficient and speedy. It was truly a joy working with such a pleasant person like you who gave us such outstanding service. You were always available to answer our questions and made the process very clear to us.You made the process easy to understand and you were always easy to reach. I felt you did everything possible to ensure that our loan was processed quickly and efficiently.Foundation Financial Group is very fortunate to have you on its staff because you were so easy to work with.
Great Insurance deals. They always find me the best prices. The owner is always cheerful and nice, but the girls that serve you never smile and seem dreary. Sometimes, come off as rude. They also, take their time answering the phone or put you on hold for an extensive time. I own my own business and would not let my front end serve in this manner, or I'd be out of business. I know some customers can be difficult and sometimes frustrated. But "you attract what you reflect". my thought, ...It's like stamps at the post office, must have, so will tolerate. I've been a customer for more than 10 years.
When we decided to refinance our home mortgage, we did not contemplate doing so with an organization and individual located in Florida. However, working with Zachary Cumming turned out even better than working with someone locally. Not only was he professional but also highly personable. The process to be followed was clearly laid out as were performance expectations for both parties, and he was invariably available to answer our questions either by telephone or by e-mail. All in all, working with Foundation Financial Group and, in particular, Zachary Cumming was a very pleasant and productive experience.
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.