"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!
Tuesday, June 30, 2015
Tuesday, June 23, 2015
Hurricanes are great as long as they are kept in song lyrics or as team names. Unfortunately, they can cause unspeakable damage to homes, businesses and when “Raindrops Keep Falling on My Head”, floods can cause billions of dollars in losses. Of course, it’s not only hurricanes that cause flooding. Flooding occurs most commonly when “A Hard Rain’s A-Gonna Fall” and when natural watercourses do not have the capacity to convey excess water. If you’re new to flood insurnace, here are a few things you need to know:
- Flooding happens in all 50 states
- Just a few inches of water from a flood can cause thousands of dollars in damages
- About a foot of water can move a car
- Only 6 inches of water can knock a person off their feet
- ‘Flash Floods’ often bring walls of water 10-20 feet high
The coverage that is available under a Standard National Flood Insurance Policy usually includes building and contents coverage. Replacement coverage is only available to select policies that must meet the following conditions:
1. Insured building must be a single family dwelling.
Preferred Risk Flood Policies were created for homeowners and tenants in low to moderate flood hazard areas. To qualify for a Preferred Risk Flood Policy, you need to own a one-to-four family dwelling or non-residential property in a low to moderate flood hazard area that meets certain requirements.
So, when your neighbors are asking, “Who’ll Stop the Rain?” you’ll be the one “Singin’ in the Rain” knowing your home and its contents are covered!
Contact us for all your Insurance needs! (321)725-1620
Thursday, June 18, 2015
Prepare and Pack for a Motorcycle Trip
Not sure where to start? Our tips will help you figure out where to go, what to pack (spoiler alert: not too much) and how to get there safely.
Where to Go
No, you don’t need an exact plan. But you do want to have a general idea of where you’re headed; you can always switch it up on the fly.
- Trip-planning resources abound online. Try Harley-Davidson’s ride planner or locate great bike routes in all 50 states at motorcycleroads.us.
- Book hotels online or by phone. Often you’ll get better rates than you would by just showing up at the front desk.
- When you have a general plan, be sure to let friends or family know where you’re going and when you’ll be back.
Packing smart – not just light – is one of the best ways to prepare for an extended motorcycle ride. We’ve all been on a trip with someone who brought four bags for three days. Don’t be that person.
- Make a list or you’ll forget something. Guaranteed.
- Go light on the clothes. Plan to wear things multiple days and to do laundry during one of your stops.
- Bring a spare key, along with emergency contacts (family members, insurance company, roadside assistance, etc.).
- If you’re on the fence about bringing something, consider leaving it out — and then buying it on the road if you really need it. Odds are you won’t.
Regular motorcycle maintenance is vital, but so is inspecting your bike prior to hitting the road.
- Before each ride, follow the T-CLOCS inspection protocol: Check Tires and wheels, Controls, Lights and electrical, Oil and other fluids, Chassis and Stands.
- Keep the right equipment on hand in case of trouble: A repair
kit, your owner’s manual, your insurance identification card, a
first-aid kit, a GPS device or map, emergency flares and a flashlight.
- Distribute weight evenly when you pack the bike – a road trip means you’re carrying more stuff than you typically do for a shorter ride.
Tuesday, June 16, 2015
What is Assignment of Benefits? Learn what you need to know and avoid the pitfalls of signing the wrong documents.
How Assignment of Benefits Starts
What Does Assignment of Benefits Mean?
How to Prevent Yourself From Becoming a Victim
Tuesday, June 9, 2015
When hiring a contractor, there are several important factors to consider and research prior to making a decision on who you’ll hire.The State of Florida requires that certain trades require specialized training and licenses. The state also has limits on what functions contractors can do on-site. Contact your homeowner’s insurance company for recommendations of contractors in your area, and as you continue your research, please use these helpful tips.
Your Contractor Should be Licensed and Insured
Check that the contractor's license exists and is in good standing.When you receive the state license number, verify that it is a real license number associated with the contractor’s name and is in good standing with the state of Florida. Visit the State for Florida Division of Professional Regulation website at http://www.myfloridalicense.com/dbpr and click on the “Verify a License” link in the top menu. Here you will see the current status of the license and when it expires. After you’ve checked the validity of the license, make sure there aren’t any complaints by clicking the “View License Complaint” link at the bottom of the screen of any selected license.
Verify that the contractor is insured.During the interview process, ask the contractor to provide you with proof of workmans compensation and liability insurance.
Watch for Red Flags
- Doesn’t make eye contact or take notes; is not friendly.
- Promises guarantees as a sales pitch. It’s only a reliable guarantee when it is supported by a warranty company.
- Wants to work “off book” to get paid cash and save you money.
- Offers you discounts for getting your friends, family or neighbors to hire their services.
- Offers you a discount for using material left over from another job. The material could be stolen or defective.
- Solicits door-to-door. This may not be a concern, but be wary if they are not local.
- Asks you to sign an “Assignment of Benefits” agreement.
- By signing this agreement, you could end up paying for more than what’s covered in your policy. If your repairs are claim related, check with your insurance company first.
- Pressures you for a quick hiring decision.
Entering into Contract
Doublecheck the plan. Check measurements and make sure all of the electrical and plumbing requirements are what you need.
If you have any questions, ask your contractor early in the process. You should have a clear understanding of what is involved to repair or replace the damage to your home. It is a good idea to consult with legal counsel to review the proposal the contractor provides you. An experienced attorney will be able to identify if any information is inaccurate or missing.
Contact us for all your Insurance needs! (321)725-1620
Friday, June 5, 2015
Check Car Insurance Costs Before Purchasing a Drop Top
- Convertibles Cost More to Purchase, More to Insure
Car insurance rates can vary greatly from vehicle to vehicle. In general, the more your car is worth, the more it will cost to insure. Convertible cars cost more to purchase than a similar model with a fixed top and not just because they’re so fun drive. It’s because they have added safety features and additional moving parts that operate the top. Therefore, convertibles can also cost more to insure.
- Higher Horsepower, Higher Insurance Costs
If your convertible just so happens to be a sports car with a V6 or V8 engine, too, you should expect to possibly pay more for car insurance. Cars with a higher top speed are at greater risk of a high-speed collision.
- Soft Top Convertibles Are Prone to Theft and Vandalism
Slicing open your convertible top may be an act of vandalism, a way for thieves to steal items from inside your car or a way to make off with the car itself. Because of these soft-top risks, convertibles may cost more to insure.
- Hardtop Convertibles Have Added Weight
The weight of your vehicle can factor into your car insurance premiums. A retractable hardtop adds considerable weight, and possibly insurance costs, to your vehicle.