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...an. Moreover, the property can be designated as cash flow as a result of lower...

...d experience, advisor-led program design, and OCIP, CCIP, and Wrap-Up structur...iscovered when a claim is filed and liability is contested between parties. Fi...

... Regnier recently added two more dbas to her agency-Municipal Services Agency of Texas and Ambulance Insurance Services of Texas-after CIGNA opened two new markets: municipalities with less than 10,000 people and privately owned ambulance companies. Nobody wants to mess with small municipalities, but after Glatfelter designed a program for them, ' she says. We think this will let us pick up a few of the fire departments and emergency organizations that have to be insured through their municipalities, too. That is where our network of agencies will help. We need ... CMU (concrete-masonry unit) is, ' for example, says Ward. The agency also spends a great deal of time issuing bid bonds for clients who are bidding on jobs-as many as 20 bid bonds for every successful bid. The agency receives no commission unless the builder wins the bid. A final drawback: the agency is at the mercy of the same market forces that create dramatic swings in the construction industry. If contractors aren't working, then the agency isn't making any money on that line of business. Still, the ... carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and content that you can use for your clients and social media efforts. Ability to attach leads and clients to your specific market searches, with e-mail alerts for all the market, articles, blogs and ...

... the loan to the value of the property and then pay interest on the loan at the reduced amount. When the property is rebuilt, the owner may have some equity because it will now be worth more than the reduced loan. Moreover, the property can be designated as cash flow as a result of lower debt. For many people bankruptcy is not acceptable. On filing bankruptcy, all of an individual's assets become subject to control of the court. However, a partnership or real estate investment company with a limited number of ... of funds for repair. For example, damage may be the result of poor construction. Experts should determine whether the property had met codes and standards, including seismic safety standards. If the building was defectively constructed and the defects contributed to the earthquake damage, the builder or prior owner may be liable for the cost of repair. It is important to take lots of photographs of the property's damage. Pictures of newly exposed beams and other normally hidden parts of the structure can be particularly valuable. Ideally, a construction expert should ... of damage from the earthquake, and their rights as a borrower. Thorough and meticulous planning and investigation can enable the owner to realize value from an investment that seemed hopelessly lost after the January quake. John Barclay, principal of Barclay Law Corporation, lectures frequently to professional organizations. Barclay Law Corp. specializes in real estate, environmental insurance, and business law, among other areas. For more information, call (800) 847-5432 or (714) 476-2672. Login or Register (for FREE) to gain access to thousands ...

...icipalities, but after Glatfelter designed a program for them,' she says. 'We ...rage because they involve no public liability, Everhart notes. Avoiding ar...