Elementary Insurance Agency

Floods can happen anywhere! Know that one inch of floodwater can cause up to $25,000 in damage. Flood insurance is a separate policy than homeowners or renters that can cover buildings, the contents inside, or both.  The damage from a flood is not covered under a standard homeowner's policy. Flood insurance is a special policy that is federally backed by the National Flood Insurance Program (NFIP) and available for homeowners, renters and businesses.

“SR-22” is just a technical term for proof of insurance. A SR-22 verifies the purchase of vehicle insurance coverage required by the state for reinstatement of driving privileges. We will discuss the nuts and bolts of a SR-22, why it’s required, and what it's going to cost you.  The Essentials About SR-22 Insurance An SR-22 financial responsibility certificate may be required for up to three years for driving without insurance or driving with a suspended license. The state of Florida requires SR22 insurance coverage of $10,000 to $20,000 for bodily injury and $10,000 for property damage and can be required for situations such as: excessive points on your driver’s license, having no bodily injury protection on their auto insurance policy when they caused an accident with bodily injury, and others. Why would I need a SR-22 Restricted License? The requirement to have an SR-22 is usually associated with: Several traffic offenses DUIs, DWIs or other serious moving violations License sus...

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Here at Elementary Agency we want you to enter 2021 prepared for anything. We know 2020 is in the rear view mirror and it is not a place you would want to revisit. But there is one last thing from last year that needs handling: Tax Season! Tax Day is Thursday, April 15, 2021. You must file your 2020 tax returns by this date!  The standard deduction for 2020 increased to $12,400 for single filers and $24,800 for married couples filing jointly.   Income tax brackets increased in 2020 to account for inflation.  Be sure to review your insurance policies. Tips for taxpayers to make filing easier File electronically and use direct deposit for the quickest refunds. Check IRS.gov for the latest tax information, including the latest on Economic Impact Payments. There is no need to call.   For those who may be eligible for stimulus payments, they should carefully review the guidelines for the Recovery Rebate Credit . Most people received Economic Impact Payments automatic...

  We are pleased to welcome David Lautermilch to the Elementary Agency team! David joined the Elementary Insurance Agency after dedicating 3 years to Avatar Property & Casualty Insurance Company . Prior to Avatar he had 7 years of experience with restaurant management in Georgia. He was a part of a number of community involvement initiatives from lunch school programs to sponsoring little league teams .  When David joined Avatar in 2017 he grew to appreciate the work-life balance of the insurance industry.  As an Underwriting Account Executive he balanced reviewing risks and analyzing comparative raters to improve the agent experience. David strives to understand his clients and help homeowners to understand the risks as carriers see them. When asked his favorite part of his work he says, "I enjoy the investigative challenge of assessing risks by incorporating my people skills into the understanding of risks."  His sales experience and underwriting backgroun...

What’s our greatest attribute? OUR STAFF! In honor of Employee Appreciation Day we’d like to shine the spotlight on the hardest working team out there making insurance simple for you! A New Jersey native, Missy Schwerdt , first began working at an insurance finance company for five years. Her move to Florida introduced her to Avatar Property & Casualty Insurance where she has been working since 2019 . Missy has been a valuable member of the company, and has gained experience across a variety of areas, including the claims department, which sets her apart as an insurance professional.  If you need help understanding your policy and would like to lower your premiums, be sure to reach out to Missy and she will make every effort to assist you. Originally from Rochester, NY, Douglas Irwin was introduced to sales and contact management software while working at Hightech Computer Solutions . After selling his own business, he joined the insurance industry as a Risk Management Cons...