About Insurance Yak | InsuranceYak.com

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About Me

“Education about insurance and related issues is good for the Insurers, the Agents, and the Insured; when all three have their needs met, everybody benefits”

                                                                                       - Ernesto the Insurance Geek

Ernesto is a mild mannered insurance guy from Ohio. He works in the corporate compliance area of a small P&C (Property & Casualty) company where his days are spent making the world safe for his policyholder customers.  Ernesto and his staff make sure forms, policies and internal company software are in sync with state and federal law and our customers meet all legal requirements. In a past life, Ernesto ran a small multi-line insurance agency; if you ask him about agency related issues, you’ll probably get an opinion.  Since his work is complicated and tedious, he uses this forum as his creative outlet. 

His goal is to uncomplicate the insurance purchasing process by explaining insurance issues, coverage and policy language. He hopes you find something useful and leave him a comment. If you’ve never blogged before and would like to contribute an article,  leave a note.

Agents are welcome to leave a link to their agency website. 

Ernesto is big on writing articles and smaller on WordPress. Any geek help would be appreciated.

As a firm believer in insurance professionals,  Ernesto will always recommend the advise of local independent agents.  This site contains links to insurance related advertisements; feel free to click them (that’s how he gets paid) but keep this in mind: one day you’ll need an insurance professional, why not give them the business today? 

This forum is intended to advise, amuse, and inform about insurance and insurance related issues. The insurance industry is regulated at both the state & federal level, so it would be impossible to offer legal advise valid in all 50 states.  Please seek advise from local insurance and/or legal professionals prior to making coverage decisions.

If you have a contribution, please leave a note;  Ernesto respects the views of intelligent people, even if he doesn’t agree with them. 

20 Comments on About Me

Barbara Couley ... 1

Dear Webmaster,

I am Barbara Couley, and a webmaster by profession just like you . I came across your site

http://www.insuranceyak.com/ looking for some material for my site. I must say, you have done

exemplary work on your site. I would like to make you a business offer.

I am principally interested in buying a number of text-links on your site.

Let me know if you would like to hear more of this.

Warm regards,

Barbara Couley.

Posted date February 12th, 2008 at 1:03 am
Joy Hawkins ... 2

I was wondering if you’d be interested in link-exchanging with me? I’ll post a link to you on my blog (www.longislandinsurancequotes.com) if you’ll post one for me here. Long Island Insurance

Posted date November 3rd, 2008 at 4:18 pm
Ernesto ... 3

Joy,

Got you in the Agency links. Feel free to add my site. I’m also happy to hear about Long Island related issues if you want to contribute. Thanks for reading.

Posted date November 3rd, 2008 at 5:02 pm
Joy Hawkins ... 4

Hey Ernesto,

Thanks for replying so soon. I posted a link on my blog (http://www.longislandinsurancequotes.com)to your site here.

I just started my blog about a month ago, but if you see any posts that interest you, let me know and you can use them.

Long Island Home Insurance

Posted date November 3rd, 2008 at 10:14 pm
A. Ray ... 5

Hi Ernesto,
Great site and happy to have stumbled onto it. I would also like to request a link and will add you to our website as well. Thanks in advance. Our site is www.umbrellainsuranceusa.com

Posted date November 13th, 2008 at 4:14 pm
Jada ... 6

Thanks for the interesting article.

Posted date January 8th, 2009 at 1:03 pm
Lauire Infantino ... 7

Hi Ernesto,

I was wondering if you’d be interested in link-exchanging with us?

http://contractorsconference.com/construction-insurance/

Please let us know if you would be interested.

Thank you

Posted date April 3rd, 2009 at 11:09 am
David Kulwin ... 8

Hi there,

Your site provides a more fun approach to insurance, I like it!

I was wondering if you’d be interested in doing a link exchange with us, we’ll list you in our “community” page (/community.php) under “Insurance”.

Posted date July 23rd, 2009 at 6:16 pm
Ernesto ... 9

Done and done, thanks for visiting

Posted date July 23rd, 2009 at 9:01 pm
Kenner Beckley ... 10

Hello,

I’m a new blogger you can find at http://cheapestcarinsuranceguide.com/

Your site would be a great complement to mine and a valuable asset to my readers. I thought it might be beneficial for both of us to do a blogroll link exchange. Please let me know if you’re interested.

Thank you,

Kenner Beckley

Kenner, you’re added; let me know if you want changes. thanks for the link

Posted date August 27th, 2009 at 8:23 am
ron ... 11

Hi ernesto, I would like to add your blog as a link on our site, please feel free to exchange with us. thanks look forward to your articles.

Ron Filian

Posted date November 10th, 2009 at 1:28 pm
Joe king ... 12

Hey! I wanted to say thanks for having such a well put together site. If you ever want to feature any of my blog articles - feel free.

Arizona Insurance

Posted date December 31st, 2009 at 12:30 pm
Melissa Sanders ... 13

Since you offered - i will definitely leave a link to my site. thanks!
Chicago Insurance

Posted date January 1st, 2010 at 2:49 pm
rob eberle ... 14

We had a hail claim on our roof three to four years ago and used the money to do other home repairs, we have since had another large hail storm and the roof needs to be repaired now. Is it fraud to put in a claim on this hail storm? We have a different insurance company in which we disclosed the old claim and not replacing the roof at that time.
thanks for your guidance.

Rob

Posted date May 24th, 2011 at 9:34 pm
Denise ... 15

Can an insurance broker be the agent who writes the policy on his/her own homeowner’s insurance policy???

Posted date August 15th, 2011 at 7:13 pm
Mike Elmore ... 16

My insurance adjuster came to my house on a claim i made for hail damage and cut me a check for the full amount. I went out and got some estimates and they came in cheaper then the amount my check was for. Would it be insurance fraud to pay a roofer and then keep the rest of the money?

Posted date September 6th, 2011 at 5:07 pm
Jason ... 17

Had an adjuster out and the wrote a check out for hail damage to my house and garage roof. The adjuster didnot look at the siding when they came out. I spoke with an ajuster on the phone and he told me that they wouldn’t send one back and to have a contractor check the siding and if he deams it damaged to send the bill and they will decide if they will cover it. What should I do to get this done? Is it legal for me to take pictures of the damage myself and send them to the insurance company Thanks

Posted date October 25th, 2011 at 8:07 am
al ... 18

Heyak!

I am curious about what happens to a paid policy premium after/if the policy is returned before a “trial period.” Usually 30 days? I know the policy issuer returns it to the policy holder, but does the agent keep their commission on the sale?

Posted date November 11th, 2011 at 4:07 pm
Ernesto ... 19

Nope, canceled policy no commission :’(

Posted date November 11th, 2011 at 4:57 pm
al ... 20

So, The policy issuer refunds the money to the policy holder, and then has to chase the commission from the agent? I am curious about how much agent debt is out there, as I am nervous about getting it back. What kind of repercussions are there when it is not refunded, and how to companies police the returns?

Posted date November 11th, 2011 at 5:12 pm

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