Single-Deductible for Multiple Storms
After Hurricane Delta took an almost exact path as Hurricane Laura, we want to
make sure that you keep in mind that Louisiana law
only allows one Named
Storm deductible per calendar year under all authorized homeowners' insurance
policies or other policies insuring a one- or two-family owner occupied
premises regardless of what the policy might say. State law always trumps the
If a Named Storm deductible has been satisfied, or even partially satisfied (the
loss was less than the deductible) by losses during the same calendar year
the insured is entitled to an offset or reduction of the deductible for a second
or third storm. (DOES NOT APPLY TO NON-ADMITTED CARRIERS OR COMMERCIAL POLICIES.)
for actual statute.
Southwest Louisiana Relief Efforts This
October 19 — Volunteers Needed!!!
Once again, we are planning relief efforts in the aftermath of Hurricane Laura and
now Hurricane Delta. Americas Insurance Company, along with some of our PIA agency
members, which include Accessible Insurance Agency, Frank & Associates, G. Martin
Insurance, Riverlands Insurance Agency and TWFG as well as the Monson Law Firm, are
coordinating these efforts and will be providing meals as well as supplies in Lake
Charles this coming Monday, October 19
at Throne of Grace Fellowship (2401
Sixth Street, Lake Charles). We know many of you continue to ask how you can assist
our friends in Southwest Louisiana, so please click
to find out ways you can assist.
Introducing Ready For Everything: A Crisis Resource
for Insurance Agents
Can a crisis make your agency stronger? The answer is yes according to many
who — during the Coronavirus — have found opportunities to connect
with customers in new ways, stress test work-at-home capabilities, and build
Insurance agencies are well-versed in all types of crises, regularly steering
clients through the claims process after floods, fires, and storms to name a few.
This pandemic is different in many ways, and similar in some. Good planning,
flexibility, and work-from-anywhere technology are key to surviving — and
thriving — during any crisis.
Prepare for disasters with Ready For Everything
. This hub brings together
information for crisis planning and preparation. The specific resources within
this program include:
To learn more, visit:
- Crisis Planning
- Remote Set-Up and Management
- COVID-19 Specific Resources
- Employee and Customer Communications
Attend a short webinar about Ready For Everything (recording
available to all attendees)
Thank you to The PIA Partnership for making all of this possible!
companies include: Encompass Insurance, Erie Insurance, Liberty Mutual, Met Life Auto &
Home, National General Insurance, Progressive Insurance, Selective Insurance Group, State
Auto Insurance Companies, The Hanover Insurance Group, Travelers, and West Bend Mutual
The New World of No-Contact Disaster Claims
Insurance companies not only have to keep their customers and employees safe,
but also expedite claims in a time when natural disasters continue to cause
significant damages and the COVID-19 pandemic has altered daily lives.
that some insurers have turned to technology,
including drones, to allow adjusters to survey damage while remaining socially
distant. The drones can provide a view of steep and complicated roofs without
adjusters having to climb them. Insurers also can use low-flying planes and satellite
images in the immediate aftermath of a natural disaster if the area is restricted for
In addition, some insurers turn to artificial intelligence
to help them better
assess disaster damage. Others are connecting to policyholders on the phone, video chat,
and using automated tools to obtain measurements. Some insurance companies also use
electronic online payments through apps like Venmo and Zelle.
Middle Market Business Owners Rely on
Their Insurance Agents
Nearly eight percent of middle market businesses in the United States are
concerned about making it through the economic downturn caused by the COVID-19
pandemic, and they're looking to their insurance agents for more support,
according to new Agent Authority
research from Nationwide
The research uncovered a number of key themes for middle market business owners
and commercial insurance agents. First and foremost, business owners are confident
in their insurance agent's ability to serve their protection needs, and they trust
their agent's advice. However, the results reveal that many middle market business
owners struggle to understand the current coverage, thus presenting opportunities
for agents to provide personalized attention and advice for clients.
"Middle market business owners really do rely on their agents
for advice and
education," said Linda Stueber, vice president of Nationwide's middle market commercial
team. "Now more than ever, it's vital for agents to help business owners fully understand
the coverage they have in place, adapt to new or changing risks, and be proactive in
addressing those risks or gaps."
Nationwide Agent Authority Study
Personal Protective Equipment
Available Through PIA
Personal Protective Equipment is now available through PIA's Design & Print
program and purchases are reimbursable up to $250 by PIA. Items currently
available include face masks with the PIA logo on them as well as pandemic-related
signage for your office.
The reusable face mask features a pleated design, bendable nose bridge, elastic
straps with an adjustable toggle, and an interior filter pocket. Please note:
This mask is not a guarantee against infection or transmission of viruses or
disease. Not recommended for use by children 12 years or younger.
For more details, and to see examples of the pandemic-related signage you may
purchase for your office, please visit
To learn about other marketing pieces that PIA Design & Print can create for YOUR
agency, please visit:
PIA member purchases made through PIA Design & Print are eligible for up to $250
in reimbursements. That includes PPE as well as custom brochures, trade show displays,
letterhead and much more. To learn how you can receive $250 back when purchasing through
PIA Design & Print, please visit the PIA Member Reimbursement Program at:
The reimbursement program described above is made available to PIA
members through generous donations from the following PIA Partnership carriers:
National General Insurance, Progressive Insurance, State Auto Insurance Companies
and West Bend Mutual Insurance Company.
PIA thanks these companies for their
support of professional insurance agents.
When requesting your marketing reimbursements (PIA National A1 members only),
please provide the following information from PIA National's membership database
to expedite your request.
PIA National Member Type:
PIA National Member ID:
LA — PIA of Louisiana Inc
4021 W. E. Heck Court, Building K
Baton Rouge, LA 70816