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Hal McFarland, CIC, ARM


Business insurance issues - Property/Liability/Commercial Auto/Workers' Compensation/Group Major Medical.

Experience in the area

27 years advising commercial clients.


Certified Insurance Counselor (CIC), Associate in Risk Management (ARM).

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Prashant S Akerkar06/12/13101010Dear Hal Thank you. Thanks & Regards .....
Dennis01/24/1310I appreciate the expedicious response however, it .....
Molly09/26/11101010Although as you stated this may be .....
Mari 06/20/11101010 

Recent Answers from Hal McFarland, CIC, ARM

2013-06-12 General Insurance coverage in event of a Earthquake.:

Good morning Prashant,    The answer is that it depends on a given policy issued by a given insurance carrier.  Some carriers will offer earthquake coverage and some will not.  Some will offer earthquake

2013-01-23 Auto Insurance:

Good morning Dennis,    Let me start off by stating that I am not a licensed agent in Florida, so your final decision regarding coverage needs to be discussed with an agent who is familiar with FL law

2012-07-11 water damage:

Dick,    The insurance company must show proof of mailing if an endorsement was added to change coverage.  You should ask for a copy of all endorsements issued since the inception of the policy 11 years

2012-07-10 water damage:

Dick,    So sorry to hear of your unfortunate experience.    The only way to really answer your question is to simply ask that you read the policy.  The insurance company should have cited the policy language

2012-03-16 insurance:

Lisa,    Are you near any of the lakes or the Trinity River?    Have you witnessed flooding in your area?    Have you asked your neighbors if they have ever experienced flooding in the neighborhood?  


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