Cold Weather Tips for Homeowners

It's getting cold out there! Here's a few tips for homeowners to help you through the icy front.

Preparing for cold weather:

* Disconnect outside water hoses. If left connected during freezing temperatures, water in hoses will freeze and expand causing connecting faucets and pipes to freeze and break.

* Inspect outside faucets. If dripping or leaking, make the necessary repairs or call a plumber before a freeze.

* If your home is equipped with interior shut-off valves leading to outside faucets, close them and drain water from the pipes.

* Cover outside faucets using an inexpensive faucet insulation kit.

* Insulate pipes in unheated areas. Apply heat tape or thermostat-controlled heat cables around exposed pipes.

* Make sure your furnace is set no lower than 55 degrees during the winter to prevent pipes from freezing. Note that when pipes freeze, water pressure builds causing cracks, whether the pipe is made of plastic, copper or steel. Even a tiny crack can unleash 250 gallons of water in a single day.

* Your water heater works harder during winter months. Drain corrosion-causing sediment from the tank, which reduces energy efficiency if it's not removed.

* Set water heater thermostat to 120 F for optimum performance without risk of scalding.

* Clear any leaves and debris from roof gutters and downspouts to ensure proper drainage throughout the winter season.

* Inspect and clean sump pit. Remove any rocks and debris from pit then dump a bucket of water into the sump pit to test the pump. If it turns on and pumps water out then turns itself off, it is operating properly.


When temps fall below freezing:

* Open cabinet doors to expose pipes to warmer room temperatures to help keep them from freezing.

* If you have an attached garage, keep its doors shut. Occasionally, plumbing is routed through this unheated space, leaving it vulnerable to winter's worst.

* Crack a faucet farthest from the place where your water enters the house. A very slow drip will keep water molecules moving, reducing the chance that pipes will freeze. Place a bucket underneath the faucet so the water can be saved for other household uses. The cost of the extra water is low compared to the cost to repair a broken pipe.

* Keep your thermostat set above 55 degrees when leaving your house or business for several days

Adapted from info from Sioux City Journal and Newport Utilities

Social Host Liability Tips

'Tis the season for holiday parties. Here's a few "Iscential" tips to keep in mind as you plan those fabulous fetes.


Do Your Homework: When hosting a holiday party, individuals should look to the liability portion of their homeowners or renters insurance policy to protect them if they are sued and found liable for an accident involving a guest who drank at their home. Consumers should regularly review their liability coverage limits to ensure they are adequately covered should an accident occur.

Consider an Umbrella Policy: While holiday partygoers and hosts alike should act responsibly and know their limits, consumers need to acknowledge that most risks cannot be entirely eliminated. But planning ahead and learning about what's involved in hosting a reception is the best defense. Purchasing a personal "umbrella" liability policy — providing $1 million or more in additional coverage over the limit of a standard homeowners or renters policy — may be a prudent move for the frequent party host.

Consider the following tips to prevent holiday party accidents and protect yourself:

· Limit your guest list to those you know.

· Host your party at a restaurant or bar that has a liquor license, rather in a home or office.

· Provide filling food for guests and alternative non-alcoholic beverages.

· Schedule entertainment or activities that do not involve alcohol. If the party centers around drinking, guests will likely drink more.

· Arrange transportation or overnight accommodations for those who cannot or should not drive home.

· Stop serving alcohol at least one hour before the party is scheduled to end.

· Do not serve guests who are visibly intoxicated.

· Consider hiring an off-duty police officer to discretely monitor guests' sobriety or handle any alcohol-related problems as guests leave.

· Stay alert, always remembering your responsibilities as a host.

· Review your insurance policy with your agent before the event to ensure that you have the proper liability coverage.



Guest Injury/Damage Tips 

Review Your Policy: A good homeowners policy is the best way to safeguard any house and its contents. The coverage not only protects owners from losses due to fire, theft and various other disasters, but it also shields them from liability if someone is injured on their premises and covers other risks as well. A comprehensive homeowners policy may even eliminate the need for other smaller, more specific personal insurance policies.

Think Twice About Liability: Carefully consider additions to your property that could be dangerous. You are liable for anything that happens on your property. Understand that adding a pool, trampoline, recreational vehicle or even a vicious dog to your property will significantly raise your risk of an accident in your insurer's eyes, so rates will be considerably higher.

Have a happy and safe holiday season from your friends at Iscential!

Warren Barhorst to Present at NAIFA Career Conference in San Antonio

Iscential CEO, Warren Barhorst will present at the National Association of Insurance and Financial Advisors (NAIFA) 2013 Career Conference in San Antonio on Monday, September 30.

WHAT'S YOUR GAME PLAN?

TODAY'S FUNDAMENTALS FOR GROWING A MULTI-LINE INSURANCE AGENCY

In this engaging presentation, Warren will focus on the fundamentals through Planning, Process Selling, Active Marketing, Hiring the Right People, and Leveraging Technology

Warren will be giving out tips and sage advice based on his personal business success, some of which was highlighted in his book, "Game Plan: The Definitive Playbook for Starting or Growing Your Business".

Warren and his co-author, Rusty Burson, are currently working on a follow-up to "Game Plan" and are targeting for an EOY release. Read what started it all... available on the website or Amazon.com.

Iscential Offers Support to Customers in Regards to the PPACA

Open enrollment in the Patient Protection and Affordable Care Act's (PPACA's) exchanges begins on October 1, 2013, with coverage taking effect on January 1, 2014


On March 23, 2010, President Obama signed into law the "Patient Protection and Affordable Care Act" (PPACA). The Affordable Care Act aims to increase the quality and affordability of health insurance, lower the uninsured rate by expanding public and private insurance coverage, and reduce the costs of health care for individuals and the government. Beginning January 1, 2014, all U.S. residents and dependents are required to maintain minimum essential coverage or be subject to a penalty. Employers of one or more employees who have more than $500,000 in annual business volume must send a notice to each employee and new hires informing them that subsidies may be available to them through the Health Insurance Marketplace. The Marketplace is designed to help individuals and families find affordable health insurance as well as a one-stop shop to compare private health insurance options. October 1, 2013 marks the deadline for employers to deliver these exchange notices under the PPACA. Below are links to the PDF documents and tips to help distribute these notices correctly to your employees.

Employers are required to send only the first page of the notice. Pages two and three are optional. There are two notices, one for employers that provide a health plan, and one for employers that do not provide a health plan. Spanish-language model notices are also available.

Notices may be mailed or sent electronically. The Department of Labor (DOL) also permits them to be distributed in renewal packets, new-hire kits, attached to paychecks or personally handed out to every employee (full time or part time, even if they are not participating in the health plan). Employers should document how the notice was provided, including the date it was provided. Penalties are not specifically addressed in the law; however, the DOL could impose administrative actions.

"We know that PPACA is complicated and has raised many questions on both individual- and employer-sponsored benefits," states Iscential Benefits Services Coordinator, Jaquelyn Tullos. "Sending this notice about The Marketplace opening on October 1 is just one of the ways we are keeping our clients informed."

Little things that can add up to a lot (of hassle, time, money, etc.). Managing your risk in even the smallest ways.

Insurance adjusters see a lot in the field when assessing a claim. We are fortunate that often times they pass on what they've seen to us (and we can then communicate to our customers) and we can all learn a valuable lesson.

We know that actionable information like this can help you mitigate against potential losses of your own. As this adjuster saw (noted below), it's often the small things that cause the greatest damage (in this case, a minor toilet piece).

"In my experience, many of our largest water losses are caused due to a split in the plastic nut on the water supply line to toilets. The line is pressurized with cold water that fills the tank after flushing. They typically fail at 8 to 10 years. Below are several photos of the nut and supply line. They are simple to install and should probably be replaced on each toilet every 5 to 7 years and checked annually. The plastic nut is to be "hand-tightened". The best water supply lines are flexible, braided, stainless steel.”

We hope this tip can help our customers prevent a loss. Either way, we'll be there for you in your time of need. Thank you to our partners at PURE for helping us manage our risk with this valuable "lesson learned"!

About PURE

Privilege Underwriters Reciprocal Exchange (PURE) is a policyholder-owned insurer dedicated to creating an exceptional experience for responsible high net worth individuals and families.  Our product suite includes best-in-class, customizable coverage throughout the U.S for high-value homes, automobiles, jewelry, art, personal umbrella liability, watercraft, and flood. 

PURE was founded by some of the most knowledgeable and experienced professionals in the industry. They combined experience, insight and intuitive perspective to challenge the insurance industry’s conventional thinking. They recognized that policyholder-owned companies consistently delivered the greatest value and customer satisfaction. Further, they recognized that the leading specialist companies could offer broader coverage and more personalized service.  PURE combines the best of both.

Inspired by some of the finest policyholder-owned companies in the world, PURE emphasizes alignment of interests and transparency. Our unique alignment with our membership supports our objective to charge the right price — not the highest price the market will accept.  PURE’s low cost of capital, careful member selection, and proactive risk management all contribute to highly competitive rates.  Further, we invest heavily in helping members prevent claims from occurring, and resolving them quickly, without hassle if they ever do.

www.pureinsurance.com

Eric Jones Named Sales Manager for Iscential's Dallas/Fort Worth Operations

In an effort in increase the growth and profitability of its Dallas/Fort Worth business, Iscential has named Eric Jones as its new Sales Manager. In addition to focusing on augmenting sales efforts, he will take on an active role in recruiting, training, developing and managing individuals for the firm.

Jones brings more than 13 years of experience in insurance business sales, service and sales management. He worked for Nationwide Insurance for 11 years and served in both producer and manager roles, managing up to four offices at one point. Jones joined Iscential’s Bedford office in November 2012 as an Account Executive.

"Since joining our team, Eric has shown a great deal of commitment and passion in everything he does," says Iscential Sales Director, Devin Wisener. "I believe he will take the same approach in his new role."

An award-winning sales professional, Jones studied Business Management at Tarrant County College and has been working in the insurance industry since age 19. In addition to his drive in the workplace, he is heavily involved in non-profit work within the DFW area as well as in Mexico and Guatemala.

Iscential's DFW office is located at:

1600 Airport Fwy, Suite 403

Bedford, TX 76022 

817.283.2600

Iscential CEO, Warren Barhorst becomes a regular guest on Internet radio program, "Bring On Success!"

Successful businessman and risk management/insurance agent, Warren Barhorst talks entrepreneur "shop" with Internet radio program, "Bring On Success!"


Texas entrepreneur, Iscential CEO, and past member of Texas A&M's famed 12th Man Kickoff team, Warren Barhorst, has been a frequent guest on KGCP Internet Radio's Sunday morning program, "Bring On Success". As the owner of the largest Nationwide Insurance agency in the U.S, Barhorst discusses his real-life experience as an entrepreneur, gives relatable tips, and answers questions from the audience.

"The radio station's website highlights the following quote by Albert Achweitzer: 'Do something for somebody every day for which you do not get paid,'" says Barhorst. "That is my passion. I love talking about building business with entrepreneurs at every stage. But the young ones, the ones just starting out… I am absolutely driven to work with them; helping them realize their dreams and take those first steps toward making them happen."

Barhorst is the founder and CEO of Iscential (formerly the Barhorst Insurance Group), a Texas-based risk management and insurance firm. In 20 years, Iscential has grown from zero clients to more than 60,000 lines in force, from two employees to over 100 employees, and from one location in Jersey Village to 24 across the state of Texas. Barhorst's passion for educating and mentoring frequently has him presenting from coast to coast: from fourth-grade classrooms to executive boardrooms, he is driven to educate others about how to make wise choices that will positively impact their financial future. In 2008, Barhorst penned a book on entrepreneurship titled 'Game Plan: The Definitive Playbook for Starting or Growing Your Business'. In it, he delves into the power of dreaming and working toward fulfilling those dreams.

The "Bring On Success" platform helps its listeners connect and share success stories with other people around the world. Barhorst is one of many from all parts of business to take to the airwaves to share business wisdom and help others live their dream. Hosted by Jim Klauck, the show runs every Sunday morning from 11:00 am to 12:00 pm CST.


KGCP Internet Radio
http://www.kgcpradio.com

Bring On Success Radio
Sunday mornings, 11:00 am – 12:00 pm CST

Podcasts are available for 24/7 listening:
http://www.kgcpradio.com/release/bringonsuccess/
http://www.kgcpradio.com/category/archives/bringonsuccessradio/

Iscential CEO, Warren Barhorst to speak at Wofford College's Executive Speaker Series
Barhorst will travel to the South Carolina college to speak about the personal characteristics of a successful entrepreneur


Texas entrepreneur, Iscential CEO and past member of Texas A&M's famed 12th Man Kickoff team, Warren Barhorst, will speak to students and staff as part of Wofford College's Executive Speaker Series. A successful businessman in the insurance and risk management industry, Barhorst will focus on the personal characteristics of a successful entrepreneur.

"You only have to be just a little bit better than your competition, and you can start taking market share," Barhorst says. "That was my belief when I started out, and it's my belief today."

Barhorst is the founder and CEO of Iscential (formerly the Barhorst Insurance Group), a Texas-based risk management and insurance firm. In 20 years, Iscential has grown from zero clients to more than 60,000 lines in force, from two employees to over 100 employees, and from one location in Jersey Village to 24 across the state of Texas. Barhorst's passion for educating and mentoring frequently has him presenting from coast to coast: from fourth-grade classrooms to executive boardrooms, he is driven to educate others about how to make wise choices that will positively impact their financial future. In 2008, Barhorst penned a book on entrepreneurship titled 'Game Plan: The Definitive Playbook for Starting or Growing Your Business'. In it, he delves into the power of dreaming and working toward fulfilling those dreams.

Sponsored by The Space, the Executive Speaker Series brings successful business people, entrepreneurs, and community leaders to campus during the Institute, as well as monthly during the academic semesters, to talk about leadership and professional development.

Barhorst will speak for 30 minutes and host a Q&A session immediately following.

Thursday, April 25, 2013

11:15 am – 12:00 pm
The Space in The Mungo Center
The Michael S. Brown Village Center (#5 on the Wofford Campus map)
Spartanburg, SC 29303

Barhorst prefaced his visit with a short video (plus, what he would tell a college-aged Warren Barhorst knowing what he knows now): http://youtu.be/pNGnBp9ZiLw

About Wofford Wofford College was founded in 1854 with a bequest of $100,000 from the Rev. Benjamin Wofford. Still located on its original campus in Spartanburg, South Carolina, Wofford College has become nationally known for the strength of its academic programs, outstanding faculty, and commitment to providing its students a holistic liberal arts education.

www.wofford.edu

864.597.4000

Iscential Congratulates Client, Advocate and Iscential Family Member, Sean Goings

Goings at Iscential's 2012 Kick-off Meeting

"When our clients are successful, we are successful," says Iscential CEO, Warren Barhorst. And success is abundant as Iscential client and advocate, Sean Goings, was recently awarded the Distinguished Executive Award from the Texas Association of Healthcare Facilities Managers (TAHFM). An award typically given to an active member at the Director level in a healthcare facility, Goings (a Heathcare Strategic Account Manager with Schneider Electric) was selected for demonstrating outstanding leadership and achievements in the field.

"This award is a big deal in his industry, and we couldn't be happier for him," says Barhorst.

Goings isn't just a client, he's an Iscential family member (his wife, Angie Goings, serves as the company's Marketing Director). And, according to Barhorst, he's an indispensable resource to the company. "Sean truly exemplifies the 'serving mentality' I try to instill in all our team members," he says. 

"In addition to being supportive of all his wife does for our organization, he's right there too: loading ice chests, hauling tents, hanging signs. He's got that 'whatever-it-takes' attitude that's essential to success."

The entire Iscential team sends their congratulations to Sean on this tremendous honor.

For more information on Schneider Electric, visit: www.schneider-electric.com


The official Schneider Electric press release:

Schneider Electric Gains the Distinguished Executive Award at TAHFM

The Texas Association of Healthcare Facilities Managers (TAHFM) presented an award that is typically given to an active member at the Director level in a healthcare facility, to Schneider Electric Healthcare Strategic Account Manager, Sean Goings. The award is given one TAHFM member to recognize them for demonstrating outstanding leadership and achievements in the field. These distinguished executives serve the association, contribute to other membership organizations, and participate in civic or community affairs. They exemplify the best in the field by continually bringing credit to the profession.

Tony Suarez, Director of Facilities Services, Midland Memorial Hospital and President of the Texas Association of Healthcare Facilities Management, presented Sean Goings with the award at the Interlink 2013 Conference in Houston, Texas. Mr. Suarez spoke passionately to the audience about the work that Sean has done for the organization for many years. He said "Sean was working with us when times were bad (2007 - 2008) and when times were good, he has always been devoted to the industry and to the organization." 



Sean Goings is the Region 4 Representative for the Board of Directors of TAHFM and has been working for many years to help that organization in a number of ways. Most recently he has been working with TAHFM and the American Society for Healthcare Engineers, ASHE build a bench of facility managers that will be prepared to take over management of these complex facilities as those in place today begin to retire. He likewise initiated a program to assist those currently wanting to advance their careers, to develop themselves through educational programs like ASHE's use of Schneider Electric's www.MyEnergyUniversity.com. 



"Sean's long standing association with ASHE has demonstrated how the relationships developed thru this organization can led to growth opportunities for SE. Please join me in congratulating Sean on an award well deserved," stated James Winstead, Director of the Healthcare and Life Sciences.

Iscential CEO, Warren Barhorst receives "Excellence in Mentoring" Award from the University of Houston's Wolff Center for Entrepreneurship

A Mentor with the program for three years, Barhorst is awarded for his commitment to giving back to the students of the University of Houston

The University of Houston's Wolff Center for Entrepreneurship recently awarded Warren E. Barhorst for "Excellence in Mentoring" at its Class of 2014 Induction and Mentor Ceremony. The awards program drew more than 270 mentors, students, faculty, staff and stakeholders and featured the Dean of the Business School, Latha Ramchand who made opening remarks for the evening.

Ranked as the best program in America by Princeton Review and Entrepreneurship magazine, each year the University educates thousands of students in entrepreneurship and, from this pool of talent, selects 40 students to participate in an elite, three-semester program. One of the most celebrated features of this educational experience is that each student is matched with a personal mentor who supports and inspires their student.

Periodically, the University selects one mentor who has exemplified the values and aspirations of the program. The award reads in part, "This award is bestowed in recognition of exceptional contributions in building and sustaining mentoring relationships with entrepreneurial students through selfless personal sacrifice. The extraordinary quality of his contributions has been demonstrated by the development of outstanding student entrepreneurs through a consistent and unwavering commitment to a deep caring personal interaction that has enriched the lives of these students." Barhorst has been involved in the program for several years and is the sixth person in the history of the program to receive this prestigious award.

"The truth is, I learn so much more from these students then they ever do from me," says Barhorst of his mentoring. "They have big dreams and it's so inspiring to be there from the beginning, to help them really understand what they're passionate about—what their dreams are—and help start them along the path to fulfilling them." 

"Required reading for the entrepreneurship mentoring program is a book entitled 'The Dream Manager'," continues Barhorst. "This book is everything I advocate to my employees: the key to success is (1) dreaming yourself and (2) teaching those around you to dream. The concepts may seem simple, but they are absolutely critical to professional and personal satisfaction and success. In fact, I implemented the program in my own business and we now have a part-time "Dream Manager" on staff."

Barhorst is the founder and CEO of Iscential (formerly the Barhorst Insurance Group), a Texas-based risk management and insurance firm. In 20 years, Iscential has grown from zero clients to more than 60,000 lines in force, from two employees to over 100 employees, and from one location in Jersey Village to 24 across the state of Texas. Barhorst's passion for educating and mentoring frequently has him presenting from coast to coast: from fourth-grade classrooms to executive boardrooms, he is driven to educate others about how to make wise choices that will positively impact their financial future. In 2008, Barhorst penned a book on entrepreneurship titled "Game Plan: The Definitive Playbook for Starting or Growing Your Business". In it, he delves into the power of dreaming and working toward fulfilling those dreams.

Iscential Celebrates a Successful Year and Sets High Goals for 2013 at 18th Annual Meeting and Awards in Houston

"Delivering Our Promise" was the theme of the event as the Iscential team set off to provide "Trusted Advice and Peace of Mind" in 2013

Iscential hosted its 18th Annual Kick-off Meeting and Agency Awards on February 8, 2013 at the Omni Houston Hotel in Houston's Galleria area.

"All of our dedication and hard work the last few years: restructuring the company, changing the brand, and improving our distribution efficiency is really beginning to pay off with our firm topping the $75 million mark in 2012,"  states CEO Warren Barhorst. "This is proof that being patient, aggregating our talents, and centralizing support is a proven formula for success.”

More than 120 team members attended the one-day event that included presentations by Barhorst and multiple break-out sessions by corporate partners. Barhorst delivered a "State of the Company" presentation at the morning session, and wrapped up with a motivating call to action along the theme of the event: "Delivering Our Promise".

"In 2012 we introduced the brand concept of 'I am Iscential'; bringing focus to the fact that our clients, our partners and our teammates—everyone is Iscential," states Barhorst. "We spent most of 2012 working on this concept and we must continue to do so to be successful in the future. As this develops further, we must begin to consistently deliver on our promise of 'Trusted Advice and Peace of Mind'. I am counting on each of [Iscential team members] to step up and do your part and make the delivery of 'Trusted Advice and Peace of Mind' actionable to each and every client you come in contact with."

One of the most anticipated highlights of the event was the annual agency awards dinner and ceremony. Team members who were awarded for raising the bar in 2012 included:


Individual Awards

Most At Bats: Bobby Talbott

Most Premium Booked: Phuc Dang

Total Lives Insured: Mark Farris

Commercial Leader: Jacob Jones

Cross-Sell Leader: Karen Kominczak



Agency Awards

Agency Commercial Leader: D/FW Office

Agency Life & Financial Leader: Bobby Talbott

Agency Account Relationship Leader: Eugene Pryor

Agency Retention Leader: Eugene Pryor

Agency Sales Leader: Agency Yu

Iscential Agency of the Year: Agency Yu



Iscential Pay-Off

Commercial Producer of the Year: Jacob Jones

Nationwide P&C Total DWP Growth Producer of the Year: Bobby Talbott

Nationwide New Personal Lines DWP Producer of the Year: Leash Yu

Support Associate of the Year: Stephanie Kleinhenz

Account Management Associate of the Year: Krystal Livingston



"We hope the event energized our team for a successful new year," says Barhorst. "We absolutely could not be successful without our employees and partners. If they take away anything from this, I want them to remember that they are a part of something great, and that they are appreciated. We've come a long way and have an exciting future ahead, and they are a huge part of that."

Iscential's partners and event sponsors included: Nationwide Insurance, Nationwide Financial, National Flood Services, Insurance Intermediaries, Inc. (III), Alliance Benefit Group, BenefitMall, Crump, Service King Collision Repair Centers, Enterprise Rent-A-Car, PURE Insurance, USLI, and ServPro Industries, Inc.

The Iscential team will celebrate one year under the new brand and honor team members who raised the bar in 2012 and its annual Kick-Off Meeting and Awards

Iscential is planning its 18th Annual Kick-off Meeting and Agency Awards for February 8, 2013. The much-anticipated event will be held at the Omni Houston Hotel in Houston's Galleria area.

"We're coming off our first year as the new brand: Iscential," says CEO Warren Barhorst. "It's taken a lot of work from every person on our team to make the transition. Maintaining our high level of service while also pushing out the new brand has been everyone's role this past year. I think we've done a tremendous job."

Barhorst will present to his team a message crafted under the event's theme "Delivering Our Promise".

"Our tagline is 'Trusted Advice, Peace of Mind'," Barhorst begins. "That's the core of our promise, doing whatever we can to provide this for our customers. Our mission for 2013 is to make sure we're living it every day, and in every way."

Iscential will use social media throughout the event and urges its friends and customers to follow along via Facebook and Twitter: #livingthepromise.

Vroom Vroom!

Thanks to the University of Houston Bauer College for posting this outstanding video on our visit. We had a great time and were thrilled to be able to give back to the students.

https://www.youtube.com/watch?v=cOodkxQVxaQ

On your holiday list: a Home Inventory (what it is and why you need one)

(helpful tips from Iscential Managing Agent, Drew Stewart) 

The holidays are here and unfortunately this time of year is prime for theft and other crimes. Take some simple steps to help protect your home and belongings in case the unthinkable happens. Let’s start with a Home Inventory.


What is it?
A Home Inventory is simply a list of the items in your home: what you own, how much it's worth, and your ability to prove possession/ownership (receipts, photos, etc.).

What do I include?
EVERYTHING! The first items that come to mind are usually the most obvious: furniture, appliances, electronics, artwork, jewelry and treasured keepsakes. But don’t forget the occasionally overlooked draperies, carpets, toys, clothing, etc. Every item in your home needs to be documented. Video tapes, photographs and receipts are invaluable records in a home inventory as well.




Whew… everything?! This seems like way too much effort… when will I ever use this?
Sure, documenting the contents of your home may be a little time consuming, but having this information is critical when filing an insurance or police report. Trust us, you’ll be glad you did it if you ever need it.

If a natural disaster or burglary occurs, your insurance company will require documented proof of possessions that are stolen, damaged or destroyed. They will want an itemized list that is not easily created from memory, especially during or after a crisis. And they will ask for proof of your possessions. A Home Inventory will also help you determine the amount of insurance coverage you need.


How to Start
Take a blank sheet of paper and make a list of the contents in your favorite room from memory. When done go to the room and grade yourself. If you got more than 50% correct, then consider yourself better than most. Here’s a few ways to help you create a Home Inventory:

Pictures/Video:
The first thing a claims adjuster will ask you is what is missing. The second question might be can you prove it. Someone much wiser than I once said that a picture is worth a thousand words. I believe the easiest and best way to inventory your house is to take detailed pictures or a video. Not only can you tell what is missing but you also have proof that you had it.

Websites:
There are websites that allow you to enter your information and store it securely. The Insurance Information Institute has a good one, www.knowyourstuff.org.

Pad and Paper:
Nothing says your inventory has to be fancy. You can always do it the old-fashioned way on notebook paper.


Tips

1. Keep receipts/appraisals for expensive items

2. Keep your inventory in a safe location. E-mail a copy to yourself and your insurance agent, store it in a safe deposit box, at your office or another secure location.

3. Update your inventory every year and when you make a major purchase

4. Do it now, don’t wait till disaster strikes!



Drew Stewart manages Iscential’s Memorial location. He has more than 10 years with the firm, is a Certified Financial Planner and MCE instructor. To contact him, call 713.468.5331.


Information from Iscential Agent, Drew Stewart, The HBH Group (Keller Williams) http://homesbyhomer.yourkwagent.com and the Insurance Information Institute www.knowyourstuff.org.

Iscential Pulls in Awards for Being one of Houston's "Best (+ Brightest!) Places to Work"

We're clearing off some space to add two new awards for being top in places to work

HR Assistant, Elizabeth Olatunbosun

Iscential was recently honored by the Houston Business Journal as one of the 2012 Best Places to Work in Houston, and by the National Association for Business Resources as one of the “Best and Brightest Companies to Work For”.

"We've received hundreds of awards over the almost 20 years we've been in business," says Iscential CEO Warren Barhorst. "But these awards, the ones that come from employee input, are the ones that mean the most to us. To know that our employees think so highly of us, and really think of Iscential as a 'Best Place to Work', that is just priceless."

And in an economy where jobs are often few and far between, Barhorst says that Iscential is looking to hire.

"We're always looking for engaged employees to help us create a culture of excellence," continues Barhorst. "These employees make the most of every day, every opportunity, and truly make coming to work a pleasure for everyone.”

Based on survey results from current employees, the Houston Business Journal honored 78 companies this year. For the full list, visit: http://www.bizjournals.com/houston/news/2012/10/15/hbj-reveals-2012-best-places-to-work.html

The Best and Brightest Companies to Work For™ competition identifies and honors organizations that display a commitment to excellence in their human resource practices and employee enrichment. This program helps to create meaningful change in companies that improve costs, operations and efficiencies. For more information, visit: www.101bestandbrightest.com

Self-proclaimed "Insurance Nerd", Drew Stewart Celebrates 10 Years with Iscential

Drew Stewart runs Iscential's Memorial office in Houston and has built his career on his passion for helping and educating his clients.


Financial planner. Risk manager. Insurance agent. Successful business owner before age 35. Drew Stewart is all of these, and this year he celebrates 10 years with Iscential.

Stewart graduated from Texas A&M University in 1999 with a Bachelor of Science degree in Agriculture Economics. In 2000, he joined Houston financial advisory firm, Olde Brokers. 

"I likened it to a black hole," he says of the office following the post-9/11 market collapse. "The staff went from 20 to only 4 or 5 people. I knew I had to find something else, and quickly."

He laughs reminiscing that this was the first time he ever looked for a job online, but Stewart came across an interesting opportunity on Monster.com: an opening at a local Nationwide Insurance agency.

"Insurance sales to me was an old dude in a bad polyester suit," Stewart jokes. "Until I met Warren and he made it look cool." 

Warren Barhorst currently runs the largest Nationwide Insurance agency in the United States. He started his own firm (then known as the Barhorst Insurance Agency) in 1993 and built it from 2 employees to more than 100 and from one location in Jersey Village to 26 across the state. Barhorst brought Stewart on board in 2002 as a Certified Financial Planner. Stewart quickly found adding insurance products and risk management services were ways to diversify. And diversification was crucial to someday owning his own business.

"Becoming a business owner was never part of the plan, but neither was selling insurance," Stewart says. "But being your own boss and having an unlimited income potential… I wouldn't trade it for anything.”

Stewart runs on an intense passion for the business, and for helping others. He still remembers his first claim: a call that his client's home had burned-down home just after midnight on New Year's Eve. 

"It was a terrible situation, but I felt like I was part of the most noble profession in the world when we were able to show up with a check, even before daylight. We told them we'd make things right and we did."

Stewart's love for "all things insurance" has gained him the nickname, "Insurance Nerd", and it's evident that he wears it with pride. 

"I just love to talk about insurance!" he says with a huge grin. Stewart views his job as not just selling products, but educating his clients. "It's exciting meeting new people and working together to make sure they have the coverage they need," he says. "My clients leave my office knowing more about insurance than when they came in. They know what they need, what they don't need, and most importantly, why. That's part of the job I love the most.”

Stewart also teaches Continuing Education classes to local Realtors, including courses on homeowners, flood insurance, investment homes and more. 

"Warren [Barhorst] taught me a lot about the importance of educating outward and earning the role of a trusted advisor. I want to be a resource to my clients, not just an agent they talk to maybe once a year. I'm here for them whenever they have questions, and I make sure they know that."

Stewart's office is located at:

Iscential Memorial
9225 Katy Freeway, Suite 112
Houston, TX 77024
713.468.5331

Congrats Drew - thanks for all you do!

Iscential & Nationwide Insurance to Sponsor Vic Schaefer’s Coaches of Character Golf Classic in College Station, Texas

Iscential and Nationwide are title sponsors of annual golf tournament to benefit the Hope Pregnancy Center, a ministry near and dear to Iscential CEO, Warren Barhorst’s heart.

Hope Pregnancy Center of Brazos Valley and Vic Schaefer are announcing today the companies Nationwide and Iscential as “Partners with Hope” sponsors for the Vic Schaefer’s ‘Coaches of Character’ Golf Classic.

“We are truly honored to sponsor this year's Coaches of Character Golf Classic, benefiting the Hope Pregnancy Center”, said Iscential CEO, Warren Barhorst. “This is a tremendous ministry that gives women an opportunity to discuss both sides, to see the alternatives and how it will impact their future. They receive education, guidance and support that they might not otherwise have.”

“My son was born while my wife and I were still students at A&M [Barhorst also played football for the University]. Coach Sherrill actually had to cut me some slack for most of the off-season workouts because I was busy with ultrasounds and doctor’s appointments. Instead of heading out with the team after practice, I had to run to Lamaze classes. It was hard, no doubt about it—but I wouldn’t have changed a thing. I look into all three of my kids’ eyes and can’t imagine what my world would be like without them. My family is blessed because of the decisions we made.”

Executive Director Tracy Frank commented on Warren Barhorst’s statement by saying, “Mr. Barhorst volunteered to be part of something very special when he tried out for the 12th Man Kick Off Team. The volunteers of Hope Pregnancy Center embody that same spirit. No experience is required to serve, just the drive, motivation and perseverance to be a part of a very special team. We are thankful for his support.”

Coach Schaefer has selected Jackie Sherrill for this year’s honoree. Sherrill is a legend in the college football coaching ranks. Last August he was inducted into the Mississippi State University Sports Hall of Fame to go along with his inclusion in the Texas A&M and University of Pittsburgh shrines. He has also been selected to the Cotton, Gator and Independence Bowl halls of fame. Coach Sherrill created the 12th Man Kick Off team whose story is documented in the book “No Experience Required”.

The tournament will be held on Monday, October 1 at the Pebble Creek Country Club in College Station, Texas.

Iscential, Brings Dreams to Reality
Iscential Owner and CEO, Warren Barhorst initiates internal program that encourages his employees to harness their dreams and make steps to bring them to fruition.

If you ask Warren Barhorst to name one of the hardest parts of being the CEO of a successful risk management and insurance agency is, he'll quickly say: "Motivating my team to follow their dreams."


Barhorst has been writing down his goals and following his dreams since he was young. His visions of success have led to his current status as the largest Nationwide Insurance agency in the US. Barhorst wholeheartedly believes that these invisible dreams are powerful in creating ones destiny. In fact, the first chapter of his book "Game Plan" is about this very concept: Hold On To Your Dreams. He encourages his readers to visualize and write down their dreams and goals and to revisit them often to stay on track toward making them a reality.


As much as he advocated this practice, Barhorst found that his team wasn't as passionate about it as he was. Then he found Matt Kelly's book "Dream Manager": a business parable about how companies can achieve remarkable results by helping their employees fulfill their dreams. Barhorst quickly brought the idea to his agency and initiated his own "Dream Manager" program. The main component, an actual "Dream Manager" was needed, and he had only one person in mind that could fill that role.


Pat Smith, an impactful teacher from his high school days, was brought on board as Iscential's first Dream Manager. Now retired, Smith taught in Houston's Jersey Village area for 8 years, and was a masters-level counselor for 18 years. In her study skills classes—and one that stood out for Barhorst in particular—she taught the importance writing down dreams and goals.


Barhorst presented the program to his team and introduced Smith as the first official Dream Manager. Appointments were quickly made and Smith began seeing employees on a daily basis. Within six weeks, employees engaged in the Dream Manager program went from 4 to 14. The program brought individuals who might not have the time or resources to talk to a counselor or other advisor this benefit, right to their place of work and at no cost.


As Iscential's Dream Manager, Smith acts as a counselor, guide, and often just a listening ear and open mind for employees. She assists individuals in making first steps in achieving their dreams, which have included commitments to fitness programs and diets, handling household budgeting and paying off debt, travel goals, and even how best to deal with difficult people.


"The dreams are both far-reaching and practical," says Smith. "In my role, I provide support and help map out the best path, but I expect accountability and personal responsibility from the individual, as only then will they be able to realize their dreams."


"In Warren's [Barhorst] book, he says that you must 'walk toward your dreams daily in order to make them a reality'", says Smith. "We're doing that at Iscential. We're bringing dreams to the forefront where they should be.”

Iscential Takes on Rising Heath Care Costs & Challenges Employees to Make Small Changes to Better their Health

"A Better Me. A Better We." is the mantra Iscential hopes to instill in its team members as it faces another bump in the cost of its employee health benefits package.

Tired of seeing the cost of his employee health benefits continuing to rise, Iscential owner and CEO, Warren Barhorst decided it was time to make a change. A company-wide health initiative was developed and introduced to the team members: the Iscential Wellness Project—"A Better Me".

"A Better Me" will promote education about health and overall wellness, with a focus on small choices that have a big impact on critical issues such as diabetes, hypertension and obesity.

"Heath insurance premiums are determined by age, sex, personal and family history, potential for future loss, and expenses and profit for the insurance company," states Barhorst. "The only thing we have control over is the ‘potential for future loss’, so making smart, healthy choices is our only option for affecting our outcome and creating a better, longer and happier life."

For Barhorst's small business, the rates for individual health insurance have increased by 65% in the last three years. For families the increase has been 57%. For some, the cost is just too much and they are forced to forgo health insurance for themselves and their families.

"We can turn this around and make health insurance more affordable for everyone," says HR Administrator, Elizabeth Olatunbosun. "We want to challenge our employees to make an emotional decision to change. We all have a stake in this and, as a company, we're committed to supporting our team in making their health a top priority.”

In support of its Wellness Project, Iscential designated a "Health Czar" who will lead an internal effort to promote health and better living. Kitchens and common areas are now stocked with healthy snack options. In a basket that used to hold candy, a community "Health Library" offers magazines and books on diet and exercise. Daily information is distributed to help educate employees on how to make quality choices in terms of physical and mental health.

"I want to report back next year that the changes our employees made helped decrease the cost of our health benefits,” says Barhorst. "I'm passionate about this and want people to see the good that comes from making healthier choices so it becomes second nature, a lifestyle."

Iscential is ready for the big one. Flood that is.

And we want to make sure you are too.

Flood season is here, and the Houston area is making up for last year's drought with some massive rains. Iscential CEO, Warren Barhorst is stressing to his clients and the community the importance of knowing the risks of flooding, and offers tips on how best to be prepared.

"Long ago, we made a commitment to educating our clients, potential clients and all of the residents in our region about the destructive power of floodwaters, whether they are the results of hurricanes or thunderstorms," says Barhorst. "The reality is that practically everyone—but especially everyone in the greater Houston area—is one big storm away from devastating floods that could wreck your homes and wreak havoc with your family's physical and financial well-being."

"We all need to be better educated about how to protect our families and our assets from floodwaters," Barhorst continues. "Whether you purchase a policy with us or not, we want to ensure that you are equipped with the latest information to prepare yourself and your loved ones for the dangers of dealing with floodwaters."

Barhorst offers a few important facts:

Just six inches of rapidly moving water can knock an adult down

• Six inches of water will reach the bottom of most passenger cars causing loss of control and stalling
• A mere two feet of water can float a large vehicle, even a bus.
• One-third of flooded roads and bridges are so damaged by water that any vehicle trying to cross stands only a 50% chance of making it to the other side
• In flash floods, waters have been known to rise as much as 30 feet, making flash floods the number one weather-related killer in the country.
• During a flooding event, there is a tremendously increased danger of contracting bacterial, viral and protozoan diseases, as floodwaters can be contaminated with sewage, decaying animals and human remains.

Barhorst also states that, according to documented insurance statistics, U.S. homeowners have a 9 percent chance of suffering fire damage to their home during the course of a 30-year mortgage, while they have a 26 percent chance of incurring flood damage. "And if you live within 100 miles of Houston—in any direction—your chances of experiencing flood damage is exponentially increased," Barhorst said.

Barhorst encourages everyone to review their current insurance policies and make sure they are fully protected.

"We would consider it an honor to provide flood insurance for you and your family, as well. If your home is not covered by flood insurance, you are gambling with your financial future. I cannot over-emphasize the importance of flood insurance, and we at Iscential would love to talk to you about your particular needs. But even if you don't go with us, please, please give serious consideration to acquiring flood insurance. You need it. We all need it."

For more information, or to find out if you're protected, call today:  713.856.5533; or email peaceofmind@iscential.com

The National Flood Insurance Program (NFIP) website has more information on flooding: floodsmart.gov