"Our mission is to create peace of mind and build enduring relationships."
Bob Lancaster Insurance's mission statement is the core of our culture. Our customers always come first, and we strive to provide them with the products and service that best respond to their needs. Building trust and fostering loyal, long-lasting relationships are the essence of who we are and fundamental parts of our company values.
Putting our mission statement to work
Our employees work hard to connect with our customers on a very real and personal level. Find out what Bob Lancaster’s mission means to them and how they carry it out every day.
Bob Lancaster Insurance, serving Florida's insurance needs since 1964. Contact us today at 321-725-1620 - see what we can do for YOU and YOUR BUSINESS!
Wednesday, May 27, 2015
Monday, May 25, 2015
4 Ways to Honor America’s Fallen Heroes
- Show the Flag
On Memorial Day, the flag should be raised briskly to the top of the staff for a moment and then solemnly lowered to half-staff, where it should remain until noon. Then raise it to the top again for the remainder of the day.
- Wear Poppies
Since 1925, the American Legion Auxiliary has sold red crepe-paper poppies for Memorial Day and Veterans Day. The tradition of wearing the colorful flowers was inspired by John McCrea's 1915 poem about World War I losses, In Flanders Fields.
- Take a Moment
A congressional resolution passed in 2000 calls on Americans to pause wherever they are at 3 p.m. local time on Memorial Day for a moment of silence to remember and honor the fallen.
- Visit a CemeteryArlington is just one of many national cemeteries located throughout the nation. Many states also have established veterans cemeteries. Check the Department of Veteran Affairs listings for a cemetery in your area. There likely will be a Memorial Day ceremony scheduled.
Thursday, May 21, 2015
With the summer heat ratcheting up, you may be coming down with a serious case of pool envy, obsessed with having a pool right outside your door for cooling off and entertaining friends. A swimming pool can even increase the value of your home. But, will it increase your homeowners insurance rates too?
Before you dive in and add a pool to your property or buy a home that already has one, here are three important things to keep in mind:
1. Anytime you have an increase in property value or risk, you may need to increase your insurance coverage too.
A pool increases your exposure to risk. You could be on the line for medical bills and other damages if people get hurt in or around your pool, even if they weren’t invited over for a swim. At the same time, a pool increases the value of your property. Your homeowners insurance needs to reflect both the increased value and risk of a pool, and you may want the added protection of an umbrella policy.
2. Safety measures aren’t just nice to have. They may be required.
Your town, municipality or insurance company may require a fence and locked gate for your pool and even have specific guidelines on the height of that fence. If your house opens directly into the pool area, you may also consider a door alarm and safety cover to keep pets, children and other non-swimmers safe.
3. Pool equipment, furniture and accessories increase the value of your personal belongings.
Be sure to include any pool- or patio-related items of value when you add up how much your personal belongings are worth, and ensure you have enough coverage on your homeowners insurance policy. Keep in mind that per-item limits may apply, meaning the maximum amount payable on a single item is capped. If, for example, you have an expensive outdoor sound system, you may want to check the per-item limit for electronics. Expanded coverage is often available for high-value items.
Above all, pose question after question to your independent insurance agent. Against which risks is damage to my pool covered? Is the pump covered too and under what circumstances?
Working closely with an insurance agent in your area who understands your property and the local zoning laws is one of the best ways to fully understand how a pool may affect your homeowners insurance rates. We can help you find the right balance of coverages for your specific situation and help ensure your relaxing oasis isn’t an unmanageable risk.
Monday, May 4, 2015
When should you evacuate? Is it expensive to strengthen your home? Many Americans actually don't know the correct answers to these questions.
The Federal Alliance for Safe Homes (FLASH) recently conducted an online survey of 2,112 people age 18 and older in the U.S. The survey tested respondents' beliefs on specific hurricane mitigation, preparedness, and repsonse statements.
The survey uncovered four big hurricane preparation myths that many Americans wrongly believe.
One thing respondents did know, however, is that flooding is not covered by homeowners insurance (52%). Only 21% of respondents believed most homeowners insurance policies cover flooding, while 27% said they don't think flood is covered.
And that's not all.
MYTH: 84% of respondents believe hurricane evacuations are based on wind speed.
FACT: Hurricane evacuation zones are defined by the threat of storm surge and inland flooding rather than wind speed or hurricane category, because storm surge is the greatest threat to life and property.
The National Hurricane Center determines evacuation zones by analyzing an area's ground elevation and vulnerability to storm surge. If you live in an evacuation zone, keep in mind that tropical storms, Category 1 and 2 hurricanes, post-tropical cyclones, and Nor'easters can all cause storm surge.
MYTH: 81% of respondents believe building codes are stronger for coastal communities.
FACT: Coastal communities -- those with the greatest potential for hurricanes -- do not use stricter residential building codes to mitigate hurricane damage. This is especially troublesome because 27% of homeowners believe homes built to code won't sustain damage from a hurricane -- which is also false.
MYTH: 69% of of respondents believe strengthening their homes against hurricanes will cost them more than $10,000.
FACT: Retrofitting your home to be stronger during hurricanes can prevent you from having to spend thousands in repairs after a storm hits -- and can cost as little as $1,100. With that amount, homeowners can brace garage doors, install plywood shutters, and seal the roof deck to reduce wind uplift.
FLASH breaks down the costs like this:
- Garage doors can be braced for as little as $150.
- Windows and sliding glass doors can be protected from flying debris with temporary plywood shutters, which range in price from $275 to $750. You can also use corrugated steel or aluminum shutters which range from $7 to $15 per foot.
- A peel-and-stick water barrier can be applied when getting your roof redone to prevent water intrusion for as little as $750.
- When putting a roof on a new construction, hurricane straps and clips can be applied for 50 cents each to prevent the roof from flying off.
MYTH: 54% of repondents believe taping windows with masking, duct or "hurricane" tape helps prevent hurricane damage.
FACT: Taping windows does not stop windows from breaking during a hurricane. It wastes preparation time and does not make clean up easier. Tape can actually create larger shards of glass and cause more injuries.
The best way to prevent windows and doors from shattering or caving in is to make sure they are constructed with impact-resistant materials. Temporary plywood storm shutters are a good option for an emergency -- just don't waste your time taping.