MAY 2020

I N T H I S I S S U EVHA BUSINESS PARTNER OF THE YEAR Page 2 | T VIP IN THE COMMUNIT Y Page 3 | HURRIC ANE PREPARATION Page 4

2019 BRAVEHEART CHALLENGE WRAP-UP

L ike many other businesses around the world we have

had to adjust our practices to best serve our clients while protecting the health of our colleagues and community. One thing is for certain, we quickly became pros at conducting virtual meetings! Many of our team members transformed kitchen tables and nooks into their new office space. Setting up computers, monitors and phones to operate out of their new home offices. If you’ve called us and heard the sounds of children in the background then you know this to be true! To better assist with call volume, we added payment options to our website and improved our online quote request process. The Financial Services Group, no longer able to offer in-house workshops,

shifted to an online format: Webinars. You can now attend their educational seminars in the comfort of your home; you don’t even have to get out of your pajamas! Although we have become adjusted to this alternate way of serving our clients we can’t wait to see you in person. As that day approaches, know we will continue to keep health a priority. We are taking precautions to ensure our offices are cleaned as recommended by the CDC. What the future holds is uncertain, how we choose to face it is up to us. We embrace the new challenges that face us, accepting them as learning opportunities to grow individually and as an agency. Thank you for your continued support! Stay Safe. Stay Home. Stay Healthy.

TVIP VIRTUAL WORLDin the

A LT H O U G H W E H AV E B E CO M E A D J U S T E D TO T H I S A LT E R N AT E WAY O F S E R V I N G O U R C L I E N T S W E C A N ’ T WA I T TO S E E YO U I N P E R S O N . A S T H AT D AY

A P P R O A C H E S , K N O W W E W I L L CO N T I N U E TO K E E P H E A LT H A P R I O R I T Y.

A LT H O U G H W E H AV E B E CO M E A D J U S T E D TO T H I S A LT E R N AT E WAY O F S E R V I N G O U R C L I E N T S W E C A N ’ T WA I T TO S E E YO U I N P E R S O N . A S T H AT D AY

A P P R O A C H E S , K N O W W E W I L L CO N T I N U E TO K E E P H E A LT H A P R I O R I T Y.

ATTENTION HOMEOWNERS! HOME INSURANCE RATE INCREASE

Expect to see a rate increase at your next home insurance renewal. It doesn’t matter which company you are insured with, odds are very good they are increasing their rates. Why? Using statistics and financial theories, insurance actuaries determine the insurance risks in specific areas and the costs associated with those risks. When an area experiences a major disaster or significant spike in claims payout for unforeseen reasons it may cause the company’s actuaries to reevaluate their assessment of the area and adjust premiums to better plan for the new demand. The unforeseen increase in roof claims and lawsuits driven by contractors is causing many companies to reassess their policy language and premiums charged. It is important to note that all increases must be approved by the Office of Insurance Regulation (ISO). In other words they can’t just increase rates for the sake of doing it; companies are required to back up there request for increases with hard data. Contractors have and are continuing to target areas with aging roofs telling homeowners they have roof damage from a storm that happened many months ago, when in actuality the majority of damage is due to wear and tear. Homeowners see this as an opportunity to replace an older roof for “free”. We have been warning residents for the past year that this could happen. The Villages Insurance Team is aggressively exploring other markets, researching options to best meet the needs of our residents. We are homeowners ourselves and are experiencing the increase in premiums ourselves, we’re in this together. Give us a call when you receive your policy renewal, let’s review your options together.

When was the last time you really cleaned the inside of your car? Did you know that

according to recent studies your steering wheel is dirtier than a public toilet seat. Gross!

THROWBACK TO PRE-SOCIAL DISTANCING DAYS…

Personal Lines Advisor JoJo Thomas spoke to the American Legion Riders group at the American Legion about motorcycle insurance. Great job JoJo!

The Villages Insurance was recognized as The Villages Homeowners Advocates (VHA) Business Partner of the Year. We value our relationship with The VHA and commend their work in promoting Golf Car Safety in our community. It has been our honor to work alongside VHA and we look forward to our continued partnership. Thank you for this very special recognition!Pictured: Mark Gallo of VHA, Sabrina Bridwell (son Jacob) and Sandy Bass of The Villages Insurance

TIPS FOR FIGHTING COVID-19

You can either start placing toilet paper over your steering wheel (not recommended) or go to our

website www.TheVillagesInsurance.com to view a detailed video on how to properly clean and disinfect

your car. It is well worth the 15+ minutes to learn some very useful and possibly life saving tips on how to properly clean and disinfect your car and golf car.

Steering WheelCup Holder

SeatbeltInside door handle

Gear shift knobRadio buttons

Here are the top 6 Hot Spots you should focus on when cleaning your car:

Brownwood n Colony Plaza n Lake Sumter Landing n Mulberry Grove n Pinellas Plaza n Southern Trace n Spanish Springs

352-751-6622Home. Auto. Life. Business.

Having the right insurance agent doesn’t matter. Unt es.

Join us for our freeMonthly Workshops in lake sumter landing™ and Brownwood™.

These educational workshops touch on many popular topics that may be of interest to you, such as: n Annuities

n Florida Insurance Essentials

n Long Term Care

n Workshop For Women

CAll toDAy to receive this month’s schedule

When was the last time you had your policies

reviewed by a professional?Our Asset and Lifestyle Protection Team will provide you with a complimentary review of your current policy and plan documents.

Just grab the stack and bring them in!

September is

LIFE INSURANCE AWARENESS

MONTH

“ You won’t be disappointed!”

Trusted. Hometown. Independent.® ® ®

TVIP IN THE COMMUNITY

S U P P O R T I N G O U R L O C A L H E R O E S !Who doesn’t love pizza? Personal Lines Advisor Laura

Rodrigues spearheaded a campaign to raise funds internally to provide lunch for all of The Villages Fire Department

stations AND have plenty left over to donate to food banks.

T V I P C O L L E A G U E S I N A C T I O N !This group did some shopping to help restock the food pantry in Ocklawaha. You Rock Ladies!!

Pictured: Haley Clyatt, Janie LeBeau, Allison Grant, Darielle Spafford, Mindy Malone, Stephanie McLean | Not Pictured: Kelly Burrows, Hannah Fox, Stacy Marlatt

Our favorite Community Liaison, Ed Premo, promoting the brand while practicing

Social Distancing. Job well done sir!Commercial Risk Management Advisor Jason Shannon presenting

a check to Matthew’s Hope, assisting our homeless friends.

N E E D E G G S ?Erin Natalino & Rose Connell teamed up with The Villages Grown

to deliver fresh produce to ALL of our TVIP colleagues! Even those working from home! A generous, unexpected and very

much appreciated surprise! Pictured: Rose Connell, Hannah Harwick & Erin Natalino

Brownwood™ n Colony Plaza n Lake Sumter Landing™ n Mulberry Grove n Pinellas Plaza n Southern Trace n Spanish Springs™

352-751-6622Home. Auto. Life. Business.

Having the right insurance agent doesn’t matter. Until it does.

Join us for our freeMonthly Workshops in lake sumter landing™ and Brownwood™.

These educational workshops touch on many popular topics that may be of interest to you, such as: n Annuities

n Florida Insurance Essentials

n Long Term Care

n Workshop For Women

CAll toDAy to receive this month’s schedule

When was the last time you had your policies

reviewed by a professional?Our Asset and Lifestyle Protection Team will provide you with a complimentary review of your current policy and plan documents.

Just grab the stack and bring them in!

September is

LIFE INSURANCE AWARENESS

MONTH

“ You won’t be disappointed!”

www.TheVillagesInsurance.com

OUR CORE PURPOSE We are dedicating our lives to building a retirement community where people‘s

dreams can come true.

OUR CORE VALUES We are a big company with a small company feel and family values. We believe the following values are critical to our success. We strive to promote these values and

demonstrate our commitment to them with our words and actions daily.

HOSPITALITY “The taste of the roast is determined by the handshake of the host.” We believe in creating an

atmosphere in every arena which is: Of high quality, friendly, warm, comfortable, clean, honest, welcoming, and like home. We feel the importance and the responsibility of this presentation.

STEWARDSHIP We believe each associate acts as a steward of the resources of The

Villages. Stewardship includes prudent decision-making and accountability. We each embrace the full measure of both freedom and responsibility in the execution of our position.

We choose to treat The Villages and all its resources as “ours” to nourish and protect.

INNOVATION AND CREATIVITY We provide opportunities for learning and newness. Residents, associates, and all helpers are encour-

aged to grow and change. We embrace personal and professional progress. We believe in corporate innovation, risk taking, and “out of the box” thinking.

HARD WORK We are committed to excellence in all that we do. Our work ethic reflects a personal pride in our work and pride in our community. We believe in exceeding everyone’s expectations with our effort and our

results . We enjoy the good feeling derived from completing a job well done.

PURPOSE AND VALUESTHE VILLAGES® CORE IDEOLOGY

TVIP Vital Signs APRIL YTDEDUCATIONAL WORKSHOPS & WEBINARS 1 32PHONE CALLS RECEIVED 10,050 41,670POLICY CHANGES MADE 6,312 28,266CLAIMS REPORTED 645 1,726EMERGENCY RESPONSE TEAM CALLS 9 46

HURRICANE PREPARATION

ORGANIZE & DE-CLUTTER: Not only will this help you when conducting your home inventory, it simply feels good when it’s done!

OUTDOORS: Assess your outdoor furniture and potted plants. Do you have a plan to move and/or secure them if a storm approaches?

CREATE A HOME INVENTORY: Having a complete record of property expedites the claims process and helps ensure that you are reimbursed for your belongings. This can easily be done with a smartphone or video camera.

FOR MORE HURRICANE PREPAREDNESS TIPS GO TO www.TheVillagesInsurance.com/hurricane-preparedness/

Register now for upcoming webinars at

www.TheVillagesInsurance.com

Make plans to attend

this valuable WEBINAR!

RSVP352-674-3405

COVID-19: A LOOK AT YOUR FINANCIAL RISKAmong other things that have us concerned –we’re nervous about the markets.

In this webinar we’ll provide: key insights; concrete questions you can ask yourself; & offer steps you can be taking to increase your financial certainty.

Learn about this topic and more from the

comfort of your home. Carlos Colon, Diana Johnson & Kyler Newcomb

May 21 11am

FREE Educational WEBINARS

hosted by TVIP’s Financial Services Group

Since we’re all staying home more these days it’s a perfect time to take inventory and make sure you are prepared for Hurricane Season. Here are a few tips to help you get started on your Hurricane Preparation this season.

Go to www.TheVillagesInsurance.com for more webinar topics and dates.