Tax Reform Proposal Could Push More Homeowners To Insure At-Risk Properties

insurance schools inc reviewsThe nightmarish landscape that southern California has become during the first week of December 2017 could actually become worse in the near future. According to a Dec. 7, 2017 article from the Los Angeles Daily News, the tax-reform measure working its way through Congress would nix or decrease homeowner tax deductions for properties damaged during natural disasters. Specifically, the change in the tax code would mean that homeowners wouldn’t be able to deduct their losses for a property that wasn’t insured or was under-insured, according to the report. As of Dec. 8, 2017, the fire that had spread across some 115,000 acres leveled 427 buildings in Ventura County. The fires that are located north of downtown Los Angeles have triggered mass evacuations and officials have told other nearby residents that the time could soon come to gather personal belongings and head out.

While the tax reform proposal still has a ways to go before possible passage, some California lawmakers are saying that it “defies common sense to do away with deductions like this.” This is a development that property and casualty insurance agents will be following closely, as it is crucial that these professionals stay up-to-speed on all developments that are related to their field. Since the proposal would discount damaged homes that were uninsured or under-insured, those living in California who are at risk of being affected by wildfires may start to think twice about skipping out on this essential service. Those reading up on Insurance Schools Inc. reviews to see if this field of employment is right for them should feel better knowing that the online outlet is constantly updating course materials.

As Insurance Schools Inc. reviews will show, this online classroom offers unrivaled state exam preparation courses for those who are serious about becoming insurance agents. By enrolling in the state- and industry-specific program, you’ll have access to hundreds of questions as they pertain to California’s Property and Casualty Broker/Agent exam. Through this company’s exam simulator, you’ll be exposed to questions similar to what’s on the state test as well as course material that is designed to help you pass the state test. Many positive Insurance Schools Inc. reviews show that these are valuable lessons to learn before sitting down for the state test. For example, former student Don H. recently had this to say about Insurance Schools Inc.: “I attended an online course and could not pass the state exam to save my life. These preparation exams were exactly what I needed. I would highly recommend these exams.”

Take Preventative And Proactive Measures Before Next Natural Disaster Hits

insurance schools inc reviewsFor many of those residing on the East Coast, Hurricane Sandy and the estimated $70 billion in damages it inflicted will always be a moment to remember. The devastating storm that primarily ravaged New York and New Jersey received national attention for images of a flooded lower Manhattan and a roller coaster tossed into the ocean waves off of Seaside Heights. According to an Oct. 31, 2017 article from Wired magazine, businesses and museums hit hard by the 2012 hurricane and other natural disasters are learning to adapt. What’s more, those considering the ever-helpful field of property insurance are learning all about the evolving industry and their role in the wake of a natural disaster via Insurance Schools Inc reviews.

According to the Wired article, the Rubin Museum of Art in Manhattan has since added elevation to its footprint by more than 16 feet. A “500-foot-long mobile wall” is one of the new tools that can be rapidly deployed in the event of storm surges in the borough along the Hudson River and a new “flood door” is designed to hold back debris. All told, the art museum spent some $10 million on “disaster-proof” efforts. In Florida, which is no stranger to heavy rains and winds during hurricane season, the Salvador Dalí Museum in St. Petersburg has reinforced windows and walls that are 18 inches thick, according to Wired.

To those researching Insurance Schools Inc reviews as they hopefully head off toward a career as an insurance agent or adjuster, these types of budget-breaking storms are becoming a fact of life. As an insurance agent or adjuster who is out in the field and working with insurance policy holders, you’re going to come across a different scenario every time your services are needed. That’s why it’s so important to take the preparation process seriously. Through a company like Insurance Schools Inc, you can take state-specific exam preparation courses that will help you get ready for the state-sanctioned test required toward becoming a licensed agent.

However, passing that state test isn’t the last step; you’ll still need to catch the eye of a local insurance agency and get hired. One of the best ways to increase your chances of landing that job is by reading up on Insurance Schools Inc reviews and figuring out what worked best for those who’ve completed the training materials provided by the company. For those considering a career as New Jersey property producer, Insurance Schools Inc offers 35 exam preparation tests that have 90 questions each. These questions are culled from the 2,000 in the company’s database and you’ll have six months of access after enrolling. Given the above examples of extensive damage done by storms, it’s quite likely that the need for trained insurance agents is only likely to increase in the coming years.

Threat Of Yet Another Florida Hurricane Means More Insurance Agents Will Be Needed

Insurance Schools Inc. reviewsAs if Florida hasn’t endured enough in 2017, the state is keeping a watchful eye on yet another storm in the Atlantic Ocean that’s possibly churning itself toward landfall. According to an Oct. 9, 2017 article from the Miami Herald, Tropical Storm Ophelia is expected to be upgraded to hurricane status later in the week. Per the Herald, this storm could be the 10th consecutive one to obtain “hurricane” status and would tie a record set in the 1800s. Moreover,  Florida has already been battered by five hurricanes in 2017 – three of them being ranked as category 5. Meteorologists told the newspaper that warm ocean temperatures plus the fact that many of the storms that struck Florida managed to avoid other major land masses on their way toward the Sunshine State haven’t helped. The Herald notes that Hurricane Harvey, which devastated Texas in late August, was the country’s first “major” hurricane in more than a decade. Hurricane Irma, which followed not long after Irma, was an unwelcome guest to all Floridians, with damages climbing into the billions.

In fact, the Herald previously reported that it could take decades before an exact figure can be placed next to the damage done. Presently, an information company predicted the bill to fall anywhere between $42 billion and $65 billion. Wind alone was said to have caused some $19.4 billion dollars in damages, according to Florida International University, and FEMA’s flood insurance program has pegged flood damages between $5 billion and $8 billion.

While these are insurmountable amounts to the average homeowner, Insurance Schools Inc. reviews show that those who take the path toward becoming a public adjuster serve a valuable role in the wake of such devastation. That’s because public adjusters, no matter which state they are licensed by, help homeowners out by surveying the destruction and submitting claims to insurance companies. In Florida, the basic requirements for becoming a public adjuster is to be at least 18 years old, a resident of Florida and either have completed an apprenticeship, hold an adjuster license and file for a $50,000 surety bond. These may look like lofty goals for some, but one look at Insurance Schools Inc. reviews will show that this company takes many steps to prepare students for everything they’ll need to know when preparing for the state exam. What’s more, online course work has been updated as of Jan. 1, 2017 to reflect the needs of new outlines.

While the effects of Tropical Storm Ophelia remains to be seen, the damages done by Irma are all around and Floridians need to reminder of what a hurricane can do their lives. By reading Insurance Schools Inc. reviews, you’ll learn that becoming a public adjuster or insurance agent of any kind is a role welcomed by those in distress.

Insurance Adjusters Will Be In High Demand In Wake Of Hurricane Harvey

When disaster strikes, many turn their attention to life and limb before lamp and living room. This is certainly the appropriate response for those who want to ensure their livelihood over worldly possessions. However, the focus will again be placed on household damages after the effects of the natural disaster have dissipated. That’s certainly  the case unfolding in Houston, Texas and across regions of Louisiana as Hurricane Harvey – which was eventually downgraded to a tropical storm — has done tens of billions of dollars in damages. According to a CNN report, a risk modeling company pegged estimated damages in excess of $2.3 billion. That’s down from a $40 billion figure made earlier by an analytics firm.

When it comes down to the nitty-gritty of deciding the dollar amount attached to the damage done, homeowners are going to hope to find a skilled insurance professional and public adjuster. For those who’d like to be the boots on the ground in the wake of disasters and find a career in this field, there are many prerequisite steps you’ll have to take before being able to accurately gauge the cash value of a natural disaster. In the case of Texas, there are online courses you can take to become an adjuster or property and casualty adjuster. Those researching the steps to take to become certified as an adjuster with an insurance company will likely want to research positive Insurance Schools Inc. reviews. That’s because this company, which offers highly specific insurance agent training courses that vary by state, makes it possible to complete training classes online before taking exams to earn your certification. A six-month-long course subscription will give you access to a virtual classroom, textbook and state law digest, practice exam with more than 3,000 questions and a final exam that’s similar to the state’s. Given such a comprehensive approach, it’s easy to see why those who’ve completed these programs have such positive Insurance Schools Inc. reviews.

While Texas isn’t out of the woods yet in regards to the tropical storm that’s left 30 people dead as of Aug. 30, 2017, it will soon be left to property and casualty adjusters to sift through dwelling, auto and property damage. It’s also important to note that Texas will see a change in their insurance claims process as of Sept. 1, 2017. The move, according to recent media reports, is to cut down on excessive claims. These issues and more are always addressed by courses from Insurance Schools Inc., leading to positive reviews.

Online Insurance Agent Exam Prep A Proven Way To Find Employment At Local Agency

insurance school inc reviews

By definition, an “agent” is someone who represents a group and works on their behalf. Agents come in many forms (James Bond, for example, was a fictional secret agent working on behalf of the British Secret Service) but those in the insurance industry are the ones we’re more likely to encounter. That’s because insurance agents work in many fields we deal with on a regular basis — from life, accident and health to property, damage and casualty insurance. It’s important to have coverage for such issues to prevent yourself from having to shell out additional money during times of distress. However, many readers may naturally wonder how they themselves can become insurance agents. If you’ve never taken the time to consider how the person selling you insurance took on that role, continue reading for a refresher course in insurance training.

For starters, industry experts would recommend that prospective insurance agents have at least a high school diploma, but a college degree and completion of a business or management major is often preferred. The reason for preference of the latter set of skills is that the person will have a better knowledge of marketing programs and finance. The only objective that those who wish to become insurance agents must accomplish is passing a training course during the pre-licensing period. For those prepared to take this step, Insurance Schools Inc. reviews will show you that taking such courses online is quick, convenient and still offers a well-rounded prep period before the state’s exam.

Depending on which state you plan to work in, it’s suggested that you see what the individual requirements are there before you can become a licensed insurance agent. By reading up on Insurance Schools Inc. reviews, you’ll see that there are a number of general guidelines that apply to most states. They include being at least 18 years old and living in the state where you’d like to work as insurance agent and not be a convicted felon.

For those who decide to take state exam prep courses, you’ll be better positioned to pass the state exam and start looking for a job with a local insurance company. According to the U.S. Bureau of Labor Statistic, openings for insurance sales agents is expected to grow by approximately 10 percent by 2020. Insurance Schools Inc. reviews will show you that starting your path toward selling insurance or making appraisals of damages in an online classroom setting is one of the best ways to eventually get your foot in the door of an agency.