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11CountyLineFebruary2012Formostpeoplebuyinginsuranceisanafter-thought.Itx19snotuntiltheclaimoccursthatpeo-plelearnwhetherthecoveragetheypurchasedissufcientornot.x1cWetrytochangethispatternofthinkingx1dexplainsRussAkinownerofJohnsCreekInsurance.x1cWeprefertoexplaintheimportanceofpropercoverageupfrontandprovideourclientswithchoicesandoptionstoensuretheymakethemostinformeddecisions.x1dEnsuringhisclientshaveproperprotectionwhenbuyinganinsurancepolicyishistoppriority.Wefeelproperinsuranceprotectionisanimportantpieceofonex19soverallnancialpicture.Withthiscoun-tybeingoneofthewealthiestintheUSmanyofitscitizenshaveassetsworthprotecting.Whennewcli-entscometousandwecomparewhattheyhavever-suswhatisavailablemanyaresurprisedathowlittlecoveragetheyactuallyhadandhowmuchtheywerepayingforit.Manythinkallpoliciesarethesameuntilweshowthemthecomparisons.Insurancecanbeacomplexandfrustratingbusiness.Atthesametimeitx19sanimportantpieceinprotectingyourassets.x1cWhenyoubuyaninsurancepolicyyouaretransferringriskx1dexplainsRuss.Thepolicyoutlineswhatisandwhatisnotcovered.Toooftenpeopleforgetthisfactandtakethex1ccheapestpricewinsx1dapproach.Thisstrategycanbedangerousasonelosscanhavecatastrophicnancialconsequences.x1cWithanunprecedentedamountofweather-relateddisasterspeopleandbusinessesshouldpaymoreattentiontotheirinsurancepoliciesx1dexplainsRuss.LastyearinsurancecompaniesinGeorgiapaidanindustry-highforweather-relatedclaimsalone.JohnsCreekInsurancehadseveralclientsthatwereim-pacted.x1cSomeofourpolicyholdershadsignicantdamagefromthestormslastyear.Wehadonefamilywhosehomewascompletelydestroyedbyatornado.Wewereabletohelpourclientsnavigatethroughtheclaimsprocessduringaverytraumatictimex1dsaysRuss.x1cFortunatelyourclientshadthepropercover-agebeforethedisasterstruckandwereabletore-coveranynanciallosstheyincurred.x1dItpaystocompare.Afteralldifferentcompanieshavedifferentphilosophiesontheimportanceofinsuranceprotectionandtheirpoliciesandsalesprocessshowit.Somecompaniesaremoreconcernedwithvolumeandcoverageismoreofanafterthought.Otherscon-centrateonofferingqualityproductsdesignedtopro-tectassets.Wex19veallseenthecommercialsadvertis-ingcheappriceswithnomentionofcoverage.SincewhendidcheapequatetohighqualityBelowareafewtipstofollowwhenbuyinginsurance.QComparepriceandcoverage.Notallpoliciesarethesame.QUnderstandtheexclusionsinthepolicyinadditiontothecoverage.QShopamongvariouscarriersaspriceandcoveragecanvarygreatly.QWorkwithaprofessionalthatknowswhattheyaredoing.Doingitalonecanbecostlyifyouchoosethewrongcoverage.JohnsCreekInsuranceisanindependentinsuranceagency.Theyrepresentmultipleinsurancecompaniesforpersonalcommerciallifeandhealthinsurance.ThisdiversityallowsJohnsCreekInsurancetocom-parepriceandcoverageamongmanyinsurancecom-paniesfortheirclients.RussgraduatedwithadegreeinRiskManagementInsurancefromtheUniversityofGeorgiaandobtainedhisCertiedInsuranceCounselorCICandAssociateinRiskManagementARMprofessionaldesignations.FormoreinformationortocontactJohnsCreekInsurancecall770-880-7656orvisitwww.johnscreekinsurance.com.AnIndependentInsuranceAgencyScottLottMaureenTuckerandRussAkin