Insurance Gone Wild

Liability Gone Wild: Fireworks, Trespassers & Umbrella Policies

Think your homeowners insurance is just about the house? Think again. In this episode of Insurance Gone Wild, Dennis Settlemoir and Stephanie Lencioni blow the dust off liability coverage and show you why it’s the unsung hero of your policy. From backyard fireworks disasters to trespassers who somehow end up suing you, Dennis and Stephanie unpack real-life “you-can’t-make-this-up” scenarios that prove liability insurance is worth way more than its modest price tag.
You’ll hear how liability extends far beyond your front porch—covering rogue golf balls, party mishaps, and even your kid’s science project gone wrong. They’ll also explain why upping your liability limits and grabbing an umbrella policy is like putting a seatbelt on your bank account.
Funny, relatable, and just a little outrageous—this episode will make you see insurance in a whole new light (and maybe rethink inviting Steve from down the street to your 4th of July party).
Chapters:0:00 – The Unsung Hero of Homeowners PoliciesWhy liability coverage is built in—and how it works to protect you from life’s curveballs.
2:28 – Fireworks & Trespassers: A Legal Dumpster FireThe explosive true story of a holiday gone wrong, and why even uninvited guests can cost you big.
8:09 – Real-Life Scenarios That Make You Glad You’re CoveredFrom backyard mishaps to off-property accidents, the surprisingly wide reach of liability coverage.
15:53 – Hailstorms, Roofers & Red FlagsWhy hiring the wrong contractor after a storm can land you in hot water.
18:35 – Umbrella Policies: Cheap Insurance RoyaltyHow to buy yourself peace of mind for pocket change.
Email: Contact@IGWpodcast.comFacebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!Panatela Group: https://panatelagroup.com/Call: 817-753-0093

Homeowner's Insurance: What Page Two of Your Policy Really Means

This week, Dennis and Stephanie pull back the curtain on what your homeowner’s insurance really covers—and more importantly, what it doesn’t. 🏠💥
From misleading premiums to missing ordinance and water backup coverage, they break down real-life examples of claims gone wrong. If you’ve never looked at “Page Two” of your policy, this episode might just save your financial future.
Whether it's hail, theft, water leaks, or fire damage—this is what every homeowner needs to know before disaster strikes. Don't let a cheap premium cost you everything.
🔑 Key Takeaways:
Cheap premiums = skimpy coverage. Don’t fall for it.
Sublimits and exclusions matter more than you think.
High-value items like jewelry, guns, and art require extra protection.
Some carriers are in the business of paying claims—others aren’t.
Know how to file and manage claims the right way.
📌 Notable Quotes:
“If you find a really cheap premium on a homeowner's policy right now, it's probably not going to pay for a lot of the things that you think it's going to pay for.”“You have no water backup coverage because it says ‘not taken.’ You have no ordinance or law coverage. Not taken.”“People think they’re getting a full payout for partial damage… they’re not.”
⏱️ Chapters:00:06 – Misconceptions about homeowner’s coverage09:12 – Insurance payouts: partial vs. full loss13:44 – Cheap premiums and costly surprises21:36 – Jewelry coverage breakdown25:09 – Firearms and valuables in Texas33:56 – Water damage & sneaky exclusions38:46 – Liability coverage and client mistakes42:21 – Auto vs. home insurance47:31 – Closing thoughts & listener shoutouts
📞 Contact & More Info:Need help reviewing your coverage or picking the right carrier? Call us!📲 817-753-0093
👍 Like, Comment, and Subscribe for more no-nonsense insurance truth bombs every week.
#HomeownersInsurance #InsuranceGoneWild #InsurancePodcast #ClaimsTips #TexasInsurance #PropertyInsurance #FireDamage #WaterBackup #OrdinanceCoverage #JewelryInsurance #InsuranceAdvice
Email: Contact@IGWpodcast.comFacebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!Panatela Group: https://panatelagroup.com/Call: 817-753-0093

Surviving the Unexpected: What Would You Do in a Flash Flood?

🎧 If You Fail to Plan… You Might Just Flood the Living Room | Insurance Gone Wild
What happens when disaster strikes and you realize your “emergency plan” is just yelling “Grab the dog!” and running for the door? In this episode of Insurance Gone Wild, co-hosts Dennis and Stephanie  dig deep into the uncomfortable (and critical) truth: you probably aren’t as prepared as you think.
From flash floods in Keerville to house fires and heart-stopping kid chaos, Dennis and Stephanie bring the hard facts—sprinkled with humor, real-life experiences, and just enough tough love to get you thinking. 🚨
Whether it’s memorizing emergency contacts (because your phone might be toast), planning fire escape routes, or knowing how to stay actually calm when everything’s on fire (literally or figuratively), this episode is a must-listen for homeowners, parents, and anyone who thinks “I’ll figure it out in the moment” is a plan.
🔥 Bonus: If you’ve never used a fire extinguisher or discussed an emergency meetup spot with your kids, this is your wake-up call.
📍 CHAPTERS
0:00 – Why You Need a Disaster Plan Before the Disaster5:07 – Ditch Your Phone (Kinda): Why Memorizing Numbers Matters11:22 – What to Save First: Prioritizing People Over Possessions16:10 – Flashlights, Keys & Women’s Safety Essentials18:54 – How to Talk to Your Kids About Emergency Plans23:19 – Flash Floods Don’t Knock: Real Stories from Keerville27:20 – Parental Panic and Protecting Your Little People29:04 – Fire Escape Plans: Do You Have One?38:48 – Insurance as a Safety Net (Not a Magic Wand)40:54 – How to Reach Us & Why We Want to Hear From You
📞 Resources & Contacts
🔸 Got questions or need help? Call us at 817-753-0093📧 Or email: contact@igwpodcast.com
🔗 Learn more about the Kerrville floods: https://www.ksat.com/news/local/2024/06/04/2-dead-after-vehicles-swept-away-by-water-in-kerr-county-sheriff-says/
🚨 Final thought: “If you fail to plan, you're planning to fail.” Don’t let a flood, fire, or freak accident catch you unprepared. Listen, laugh, and learn how to make your home safer today.
#InsuranceGoneWild #EmergencyPreparedness #FloodSafety #HomeownersInsurance #ParentingTips #DisasterPlanning #FireEscapePlan #FlashFlood #Podcast #StephanieLencioni #DennisSettelmeyer #KerrvilleFloods
Email: Contact@IGWpodcast.comFacebook: https://www.facebook.com/InsuranceGoneWild

Exploring Health Sharing: A Cost-Effective Insurance Alternative

🎧 Insurance Gone Wild | Health Sharing Programs: Too Good to Be True?Hosts: Dennis Settlemoir  & Stephanie Lencioni🎙️ Episode Title: “Health Insurance Alternatives That’ll Make You Rethink Everything”📍Contact: 817-753-0093 | ✉️ contact@igwpodcast.com
What if we told you there’s a way to ditch your high premiums and still get covered without jumping through hoops of a traditional insurance plan? Well, buckle up — because in this episode of Insurance Gone Wild, Dennis and Stephanie dive headfirst into the world of health sharing programs — the not-quite-insurance, budget-friendly alternative you’ve probably never fully understood.
Stephanie L3nchoni, our in-house health insurance whisperer, breaks down how health sharing works, who it’s for, and whether it’s actually too good to be true. We’re talking no networks, lower costs, and yes — real savings stories (one client saved over $27K a year 👀). But it's not all sunshine and co-pays — Stephanie keeps it real about the limitations, including coverage for pre-existing conditions and meds.
If you're a small business owner, freelancer, or just someone tired of the insurance maze, this episode is your golden ticket.
📌 CHAPTERS & TIMESTAMPS00:00 – What the heck is health sharing?05:12 – Health sharing vs. traditional insurance (let’s compare the chaos)14:00 – Coverage costs: Can you really save money?23:36 – Billing simplified: No more mystery charges?34:14 – Employer options: Smart moves for your team37:15 – Final thoughts: Is health sharing worth it?
🧠 Key Takeaways:
Health sharing isn’t insurance… but it acts like it.
No networks = more freedom.
Cheaper premiums, but be mindful of the fine print (like that 3-year wait on pre-existing conditions).
Small businesses: this might just be your new favorite benefit.
Real clients. Real savings. Real talk.
💬 Notable Quotes:🗣️ “Health sharing is not insurance, but it acts as a major medical plan.”🗣️ “We save them over $27,000 a year in premium.”🗣️ “There are no networks, but that can actually be a positive, allowing freedom of care.”🗣️ “This plan could act as a traditional health insurance because of the benefits that they're offering.”🗣️ “I can't sell something I don't believe in. This is something I truly stand behind.”
📞 Resources & Contact Info:For personalized info or to see if health sharing fits your needs:📱 Call: 817-753-0093📧 Email: contact@igwpodcast.com
🔥 Don’t forget to like, subscribe, and drop a comment if this episode gave you an “Aha!” moment — we want to hear your insurance horror stories and health sharing wins!
#InsuranceGoneWild #HealthSharing #HealthInsuranceAlternatives #PPOvsHMO #HealthcareSavings #SmallBusinessInsurance #MedicalBilling #InsurancePodcast #FreelancerTips #IGWpodcast
Email: Contact@IGWpodcast.comFacebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!Panatela Group: https://panatelagroup.com/Call: 817-753-0093

Gaps, Gems, & Getting Real About Coverage | Insurance Gone Wild

🎙️ Think your insurance policy has you covered? Think again. In this episode of Insurance Gone Wild, co-hosts Dennis Settlemoir and Stephanie Lencioni pull back the curtain on the surprising (and often hilarious) ways insurance can go sideways — especially when you don’t read the fine print.
From jewelry riders that vanish faster than a diamond in a drain to health insurance options you didn’t know you had, Dennis and Stephanie break it all down with straight talk, real stories, and a little tough love. Whether you're a business owner, landlord, or just trying to figure out if your wedding ring is actually insured — this episode is packed with "wait... what?!" moments that could save your wallet (and sanity) down the line.
👂 Perfect for insurance rookies and seasoned policy pros alike, this conversation is a wake-up call for anyone who assumes their coverage is complete — spoiler alert: it’s probably not.
💥 Episode Highlights & Chapters:0:06 – Jewelry Insurance and Wild Misunderstandings4:39 – Health Insurance: The Good, the Bad & the AlternativesLost your health coverage?7:49 – Commercial Coverage Confusion: What You Don’t Know Can Cost You16:25 – Rental Properties + LLCs = Insurance Headaches22:21 – The Power of Proactive Service & Smart CoverageIt’s not just about price tags. Why working with responsive agents who actually ask the right questions can mean everything when disaster strikes.
Subscribe and leave a review if you've ever asked, “Wait… am I even covered for this?” Because on Insurance Gone Wild, we don’t just sell policies — we expose the madness behind them. 🧨
#InsuranceGoneWild #JewelryInsurance #HealthCoverage #CommercialInsurance #InsurancePodcast #LLCRentalInsurance #InsuranceTips #InsuranceAdvice #PodcastForBusinessOwners #RiskManagement #YouTubePodcast #SpotifyPodcast
Email: Contact@IGWpodcast.comFacebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!Panatela Group: https://panatelagroup.com/Call: 817-753-0093

Navigating Contractor Insurance: Essential Tips for Subcontractors | Insurance Gone Wild

Is Your Contractor Insurance Actually Covering You… or Just Paperwork Pretending to Help? 🧐
In this wild ride of an episode, Insurance Gone Wild hosts Dennis Settlemoir and Stephanie Lencioni break down the often-confusing jungle that is contractors' insurance. Whether you’re swinging a hammer, managing a crew, or just trying to keep your business from burning down financially — this one's for you.
We’re talking real talk on everything from:✅ Subcontractor agreements that actually protect you✅ Why fudging sales numbers could cost you later (don't do it!)✅ The difference between a GC, a paper GC, and a sub (yes, it matters!)✅ What the heck “completed operations” coverage even means✅ Why endorsements like “primary & non-contributory” and “waiver of subrogation” aren’t just fancy legal speak — they’re your financial shield 🛡️
This is your crash course in:🔨 Construction risk management📄 Contract smarts📊 Insurance audits🚫 Avoiding common compliance fails
Timestamps0:00 – Contractor insurance 101: The good, the bad, and the uncovered5:24 – Projecting sales like a pro (and why your premium depends on it)11:34 – Completed vs. ongoing operations: What every subcontractor needs to know13:28 – Contracts: Read 'em or regret 'em17:34 – The alphabet soup of endorsements, decoded20:51 – Why your subcontractor’s insurance could make or break you23:30 – What to know about 1099 contractors and liability27:51 – Business owners: Make smarter insurance decisions (or pay for it later)
Top Takeaways🧠 Classification matters: Sub, GC, or paper GC? Know what you are.📈 Sales estimates = audit survival. Be honest, be accurate, avoid surprises.📃 Endorsements aren't optional. They're your safety net.🤝 If you’re signing a contract without reviewing insurance terms — stop.🛑 Under-insured subcontractors can take your business down with them.
Favorite Quote?
“How do we protect your livelihood? It should be a little more in your favor.” 🙌
🎧 Hit play, hit subscribe, and protect your hustle — because insurance doesn’t have to be boring (and with us, it won’t be).
#ContractorInsurance #ConstructionBusiness #InsuranceGoneWild #SmallBusinessProtection #SubcontractorTips #InsurancePodcast #BusinessLiability #GeneralContractorLife #ConstructionTips #InsuranceExplainedEmail: Contact@IGWpodcast.comFacebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!Panatela Group: https://panatelagroup.com/Call: 817-753-0093

Preparing for Life's Unexpected Turns: A Financial Safety Plan

When Life Throws a Curveball: Are You Actually Prepared? 🧾💼⚡️
Dennis and Stephanie are pulling back the curtain on the “oh no” moments life loves to throw our way — from surprise ER visits to the “where’s the life insurance policy?!” panic. In this episode, they break down the must-know moves to keep your family prepared, not panicked.
They’ll tackle everything from:
Making sense of life insurance (no, it’s not just for old people) 💀
Organizing your financial & insurance info before it’s an emergency 🧠
Why your loved ones need access to everything (digitally, legally, and emotionally) 🔐
Power of attorney, trusts, and other grown-up things you really should already know ⚖️
Think of it as your roadmap to responsible adulting — with less legalese and more laughs. Hit play and learn how to future-proof your family’s peace of mind — because chaos is inevitable, but being unprepared is optional.
#LifeInsurance #EmergencyPrep #PowerOfAttorney #EstatePlanning #FamilyFinance #Adulting101 #Podcast #MoneyMatters #InsuranceTips #PlanAhead #DigitalLegacy
0:00 - Preparing for Life's Uncertainties Beyond Insurance Policies5:01 - Planning Ahead: Organizing Life Insurance and Estate Documents11:10 - Understanding Tax Implications on Life Insurance Proceeds13:00 - Discussing Life's Uncertainties and the Importance of Preparation16:55 - Challenges of Insurance Claims After Auto Accidents20:51 - Essential Steps for Managing Personal and Legal Documents
Email: Contact@IGWpodcast.comFacebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!Panatela Group: https://panatelagroup.com/Call: 817-753-0093

Vacation Risks: Is Your Insurance Ready for Summer Travels?

Join hosts Dennis and Stephanie as they explore insurance challenges for when you go on vacation, covering how auto and health insurance work during travel across states and with rental cars. They delve into essential coverage types, including liability and walk-away insurance, plus the nuances of PPO and HMO health plans. Discover insights on Medicare and international health coverage, ensuring you're informed about potential pitfalls and recommended precautions. Whether you're a road trip enthusiast or planning international travel, Dennis and Stephanie provide valuable advice to help you navigate your insurance needs.
Key Takeaways:*   Understand how your auto insurance policy covers you when traveling, especially when renting a car; sufficient liability coverage is essential.*   Consider increasing your liability limits temporarily when renting a vehicle to avoid hefty out-of-pocket expenses.*   Health insurance coverage can vary significantly between PPO and HMO plans, affecting your care options when traveling out of state.*   Emergencies are usually covered under HMO plans when outside your coverage area, but routine or non-urgent care will likely not be.*   Consult with insurance agents or specialists to ensure your plans suit your travel needs, especially for international trips
Chapters00:06 - Understanding Insurance Coverage While Traveling03:11 - The Joy of Renting a Minivan for Family Road Trips04:08 - Understanding Rental Car Insurance and Liability Coverage Options09:39 - Road Trip Hazards and Vehicle Maintenance Challenges12:30 - Understanding Insurance Coverage Across State Lines14:48 - Understanding Health Insurance Coverage Across State Lines24:13 - Understanding Insurance Coverage for International Travel
Email: Contact@IGWpodcast.comFacebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!Panatela Group: https://panatelagroup.com/Call: 817-753-0093 

Unseen Damage - The Hidden Costs of Insurance Claims

Who Gets Paid in a Claim?
When disaster strikes and you file an insurance claim, who actually gets the check? In this episode, we unpack the often misunderstood process of claim payouts. From homeowners and auto policies, we explain who the money goes to. 
We cover key concepts like lien-holders, service providers, and repair shops, and dive into how insurance companies decide who gets paid and in what order. Whether you’re filing a claim or just want to better understand your policy, this episode clears up the confusion and empowers you to ask the right questions before a claim ever happens.
Timestamp00:00 - Understanding Insurance Claims and the Role of Supplements08:44 - Insurance Claims, Vehicle Ownership, and Repair Decisions13:01 - Challenges in Roof Insurance Claims and Mortgage Endorsements16:02 - Navigating the Complexities of Insurance Claims21:05 - Home Insurance Quotes and Roofing Industry Challenges25:34 - Insurance Claims, Illegal Practices, and Custom Vehicle Coverage
Email: Contact@IGWpodcast.comFacebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!Panatela Group: https://panatelagroup.com/Call: 817-753-0093

North Texas Homeowners Insurance: Why SO high?

Dennis Settlemoir and Stephanie Lencioni delve into the current tumultuous state of the Texas insurance market in this episode of Insurance Gone Wild. They discuss premium spikes, particularly for homeowners, and the intricacies behind varying auto insurance rates. The duo also covers the challenge of navigating policy changes like scheduled roof coverage and the importance of understanding differences between insurance offerings. Listeners will gain insight into why insurance prices fluctuate so dramatically and the factors affecting these shifts, equipping them with knowledge to better manage
Key Takeaways:
*   The Dallas-Fort Worth area faces unique challenges in homeowners insurance due to weather patterns and high population density.*   Various factors, including credit scores, home size, and specific amenities, cause significant differences in insurance premiums among neighbors.*   Scheduled roof replacement and increased deductibles are current trends in the industry aimed at mitigating insurer losses.*   The importance of shopping around for insurance policies is highlighted, with the emphasis on comparing coverage details.*   Transparency and open communication with brokers and agents are vital to understanding policy changes and making informed decisions.
Chapters0:06 - Insurance Market Trends and Client Insights2:30 - Challenges in North Texas Homeowners Insurance Market6:07 - Challenges of Urban Living and Close-Knit Neighborhoods8:55 - Weather Patterns and Insurance Premiums in Dallas Fort Worth11:05 - Factors Influencing Home Insurance Rates and Consumer Frustrations16:41 - Inconsistent Insurance Premiums and Unexplained Rate Differences20:29 - Challenges in Home and Auto Insurance Conversations22:18 - Homeowners Insurance Frustrations and Cost Comparisons25:03 - Understanding Roof Insurance Changes and Their Financial Impact30:35 - Navigating the Challenges of Insurance Shopping
 
Email: Contact@IGWpodcast.comFacebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!Panatela Group: https://panatelagroup.com/Call: 817-753-0093