Is Your Home Energy Efficient?

Dec 2 2011 Drafty windows. Leaky faucets. Dirty air filters. All are common issues here in Alabama, and they’re not only annoying – they also cost you money in decreased energy efficiency and higher utility bills. ... more ›

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Safety Tips for Black Friday Shoppers

Nov 21 2011 The day after Thanksgiving, also known as Black Friday, is the biggest shopping day of the year. When it comes to cashing-in on the day’s deals, the motto is “If you snooze you lose.” Many stores will open at 12:0... more ›

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Make Sure Your Home is Ready for Winter

Nov 8 2011 Summer has ended, but there’s no need to fret: Fall brings with it crisp, cool days, wonderful colors — and football season! It also brings with it a few maintenance tasks that Pepper, Johnstone & Co. rec... more ›

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Hiring a Subcontractor in Alabama?

Oct 4 2011 As many commercial building owners and contractors across Alabama begin remodeling or construction projects, they realize the value in subbing out some of the work to skilled and technical professionals. But there are... more ›

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Disaster Preparedness, FEMA and More

Sep 1 2011 If the unthinkable happens, Pepper, Johnstone & Co. understands that your most valuable assets are more than just items on a balance sheet. That information is critical during a time of catastrophe. Sites to Check ... more ›

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Saving Money on Classic Car Insurance in Alabama

Aug 1 2011 How much you pay for insurance depends on many factors. Following the suggestions below may help you lower the cost of your classic car or collector vehicle insurance in Alabama. Before you buyIf you’re thi... more ›

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Understanding Risk Management

Jul 19 2011 Risk Management WHAT IS RISK MANAGEMENT? Most entrepreneurs are risk takers, willing to invest  resources with an expectation and hope, but no guarantee, of reward. But, from the viewpoint of insurance, "risk" ... more ›

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Life Insurance Review

Jun 28 2011 RECOGNIZING WHEN TO HAVE A REVIEW  Routine reviews every year or two are important to:  Evaluate policy performance in the current economy Review industry trends Uncover subtle changes that may otherwi... more ›

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I have tornado damage. What do I need to do?

May 2 2011 PUT SAFETY FIRST. Make personal safety your first priority. Listen to the local radio for up-to-date information. Stay out of damaged buildings. If you’re in an evacuated area, don’t return to your home until local au... more ›

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Spring Tornadoes Are Generally the Most Severe; Make Sure You’re Properly Insured

Apr 13 2011 April 12, 2011 — The tornadoes that swept through Iowa, Minnesota and Wisconsin over the weekend are a vivid reminder of the threat these windstorms pose to life and property, and the importance of having the right co... more ›

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Earthquakes: Risk and Insurance Issues

Mar 29 2011 An earthquake is a sudden and rapid shaking of the earth caused by the breaking and shifting of rock beneath the earth’s surface. This shaking can sometimes trigger landslides, avalanches, flash floods, fires and tsun... more ›

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Few Homes Have Insurance Coverage for Earthquake or Tsunami, Although the U.S. Is At Risk for Both

Mar 29 2011 The tragic earthquake and tsunami that struck Japan on Friday, March 11, have raised questions regarding insurance coverage and provide a stark reminder that the U.S. is also vulnerable to these natural disasters, acc... more ›

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Understanding Policy Liability Exclusions

Mar 2 2011 All liability policies have exclusions to eliminate risks that the underwriting insurance carriers choose not to assume. These exclusions are typically unique to the particular policy and vary depending on the type of... more ›

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Estate Taxes - Congress Passes Temporary Legislation

Feb 11 2011 On December 17, 2010 President Obama signed the “Tax Relief, Unemployment Insurance Reauthorization & Jobs Creation Act of 2010” (hereinafter called “TRA 2010”). This legislation has the result of temporarily exte... more ›

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Risk Management - Crime Insurance

Jan 28 2011 Employee dishonesty is one of the loss exposures that is increasingly difficult to control—for both for-profit and not-for-profit organizations. This is especially true for the small to mid-sized organizations that of... more ›

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Winter Weather Preparation

Jan 9 2011 Ice, snow and wind can have devastating consequences on your home. The time to winterize is when the leaves begin to turn and not when the snow begins to fall. Homeowners should take the following precautions: Maintai... more ›

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