Does your insurance agent ask the right questions?

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Created: June 16, 2015

LeTip Chester County East met on Tuesday, June 16, 2015, at the Wyndham Garden Hotel in Exton, PA. Our showboater was Theresa Barlow, our Interior Designer from A Perfect View (www.APerfectViewInteriors.com). She showed us the colors and patterns that she will be using to update a guest room. Her paint, fabrics, and wallpaper coordinate perfectly, and she would be happy to help with design project, large or small, for homes or businesses.

Our speaker was Dave Kozak, our Property & Casualty Insurance specialist from Chester Springs Insurance Group (This email address is being protected from spambots. You need JavaScript enabled to view it.). Dave deals with all sorts of "what if" scenarios and makes sure that his clients have appropriate coverage for whatever might happen. Dave told us the story of someone who is severely disabled but is still able to drive with electronic modifications made to his vehicle. Several years ago, Dave looked into the details of this man's insurance policy and was able to get him $75,000 of additional coverage because of the much higher replacement cost for his vehicle. This type of concern and attention to detail won't be available to customers who shop for insurance online or through a toll-free number. It is important to have an agent who knows you and your situation, who asks the right questions, and will fight for you when necessary to acquire coverage and/or payment in the event of a claim. Let Dave and Chester Springs Insurance Group take a look at your policy so that you can feel confident and secure with your insurance coverage.

HVAC Geothermal Contractor

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Created: June 2, 2015

LeTip Chester County East met at the Wyndham Garden Hotel in Exton, PA on Tuesday, June 2, 2015. Our showboater was Lonnie Cooper, our mortgage broker from The Rate Kings (www.theratekings.com). Lonnie provides excellent customer service and great rates, and he also has gifts for his customers once they close on their new or refinanced mortgage. Contact This email address is being protected from spambots. You need JavaScript enabled to view it. to ask any questions or start a mortgage application.

Our speaker was Scott Brown, our heating and air conditioning contractor from James Brown Plumbing, Heating and Air Conditioning (This email address is being protected from spambots. You need JavaScript enabled to view it.). Scott showed us how geothermal systems work for both heating and cooling. He has a questionnaire that can help him determine which of his customers would be good candidates for geothermal installation. Scott loves geothermal systems but will not push them on a customer for whom it is not the best choice. A geothermal system involves an underground heat exchange (called the loop) and a heat pump inside the home. This means that there is no external air conditioning unit to care for outside the house. For either heating or cooling, the loop exchanges heat with the earth--picking up heat during the winter months and releasing heat during the summer months. The heated or cooled air then travels to air ducts in the house or radiant heating devices in the floors of the house. Contact Scott to determine whether you are a good candidate for geothermal heating and cooling; if you would be better suited to another type of system, he can give you the proper guidance and get started with the repair or installation that you need.

Have Your Insurance Reviewed Yearly

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Created: April 28, 2015

LeTip Chester County East met on Tuesday, April 28, 2015 at the Wyndham Garden Hotel in Exton, PA. We were joined buy guests who included a hotelier and a publisher.

Our showboater was Mike Popiel, our flooring contractor from Pinnacle Floor Coverings (www.pinnacle-flooring.com). Mike displayed a few samples of a laminate flooring material that looks like hardwood and is available in several colors. He also brought some smaller pieces of the material that have been soaking in water for about four months and are still in great shape. Contact Mike to learn more about laminates or any floor covering materials.

Our speaker was our property and casualty insurance specialist, Dave Kozak (This email address is being protected from spambots. You need JavaScript enabled to view it.). Dave told us that paying for proper insurance coverage is generally affordable, while paying to replace our homes would be beyond most people's budgets. It is wise to have coverage and to make sure that our insurance coverage is appropriate and sufficient. Dave also emphasized the importance of having an insurance agent who can fight for you and make sure that appropriate payments are made. Anyone who tries to save money by getting insurance coverage over the phone or online will have coverage but won't have anyone looking out for them personally. In a time of loss, it's important to have someone on your side who knows you and your policy and who cares about getting things done correctly and in a timely manner. Dave recommends adding an umbrella policy, which he says is the best protection from litigation. Contact him to review your current insurance policies and to better understand your coverage and needs.