INTERVIEW WITH ED FALKENSTEIN INSURANCE AGENT

Scott: Today we have another interview and today’s guest is Ed Falkenstein with Gibraltar Insurance Services.  Ed why don’t you tell us something that we might not know about insurance.

Ed:  One of the biggest things that I usually get questions about when we do insurance quotes is why does my insurance cost so much and why is the replacement cost of the dwelling coverage so much higher than the purchase price?  The reason for this is called replacement cost versus the actual cash value. Actual cash value is not necessarily the best thing in mind when you have a loss because if you insure on actual cash value you are not going to get full replacement cost and you therefore will not get 100% of your home rebuilt.  What you get is a settlement and not a good thing when it comes to clients claims process, therefore that is why an A plus rated carrier always insures on full replacement cost to protect you, the insured from that total loss

Scott:  Okay, so if your house wasn’t built yesterday then what do you want your home insurance to be based on?

Ed:  to have it based on the full replacement cost including inflation and cost to build, in other words if you are going to be in the house for 10 to 15 years from now and if you have a total loss, you will want 100% of your house rebuilt,  not 75 or 80 per-cent.

Scott:  Thank you Ed, that’s some great information.   Our Guest today was Ed Falkenstein with Gibraltar Insurance Service.  If you have questions about insurance you can email ED at Ed.falkenstein@ghfs.net.  You can also email me at Scott@ScottCulberson.com and I’ll make sure Ed gets back with you.

You CAN Live Life to the Fullest and I can help.

Scott Culberson Broker Associate, Better Homes and Gardens Real Estate Gary Greene.

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F.O.C.U.S.

It’s the 2nd week in April and so far the weather has been a little bumpy.  We have had the coldest April on records, rain, heat and pollen everywhere.

So, my message for this week is STAY THE COURSE or my favorite acronym:

                            F. OLLOW
                            O. NE
                            C. OURSE
                            U. NTIL
                            S. UCCESSFUL

This sums it up nicely.  If you want to stop renting and buy a home or your ready to sell your home to move closer to family.  Work or family challenges.  With any of these set your goal and F.O.C.U.S.

You may need a helping hand along the way.  Reach out to the resources that you know in order to make your dream a reality.  If it’s a real estate dream, any real estate dream call me 281-467-4691 I can help.  I know people all across the industry and the world.  People like me that have made it their mission to be their for your when you call.

What you don’t have a real estate goal at this time?  That’s ok, you know people that do so educate them on what it’s like to work with me ask if YOU can give me their contact information…I’ll give them a call.  From there I will help them evaluate their real estate goals and help them move from dream, to plan, to GOAL ACHIEVED.  NO PRESSURE, NO WORRIES JUST RESULTS THAT HELP YOU TO…

LIVE LIFE TO THE FULLEST

I’m Scott Culberson, Broker Associate, Better Homes and Gardens Real Estate Gary Greene.  Scott@ScottCulberson.com

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You could WIN $1,000 THIS weekend

This is not a joke Better Homes and Gardens Real Estate Gary Greene’s Open House Sweepstakes Weekend Returns this weekend–April 6 and 7th

You can visit me at 50 N Floral Leaf, The Woodlands, Texas between 1:00pm and 4:00pm, Sunday, April 7 to register to win.  More details in the photo.

Come see me this Sunday, it’s time for you to…

LIVE LIFE TO THE FULLEST

Scott Culberson, Broker Associate, Better Homes and Gardens Real Estate Gary Greene, Scott@ScottCulberson.com

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