Subscribe on iTunes! Subscribe on Google Play Podcast RSS Feed   We always enjoy chatting with Ann Anderson. A wealth of wisdom, Ann generously shares with us all of the Insurance matters that we never knew we needed to know — and thank goodness for it! In this episode, Ann tells us how to be prepared for things like 2021’s outrageous ICEMAGEDDON! She also offers perspective on purchasing Life Insurance policies for our children, as well as how to adequately insure your family fun vehicles (i.e. RV’s, boats) — and the valuables inside them. Ann’s a friend to all in Frisco and genuinely cares for her clients. Enjoy this episode of The Frisco Podcast. SHOW NOTES: [00:14] Meet Ann. [01:15] The impact of that crazy winter storm in February 2021 [06:12] What kind of coverage should we have to be prepared for a winter storm? [07:45] Why we should consider Life Insurance policies for our children [12:12] Summer fun: how to adequately insure boats, RVs, swimming pools, and more. [17:23] How often you should touch base with your Insurance agent, and why [20:46] How to reach Ann LINKS & RESOURCES: Anderson Insurance Agency on Lifestyle Frisco | Website | Facebook | Instagram | Twitter | LinkedIn |Yelp Connect with Lifestyle Frisco on:  YouTube Facebook Instagram Twitter LinkedIn Transcript Machine-generated. Welcome to the Frisco Podcast. I’m your host, Nicole Barron. Today, I get to chat with the lovely Ann Anderson, who is one of our longest standing clients and friends. We always enjoy catching up with Ann because not only is she a good friend, but she educates us about a lot of things we never thought of and really need to know. So, Ann, welcome. Thank you. Good to be here. Glad to have you back. Ann is always on alert for us. She’s an advocate to many members of our community. She’s studies listens, learns what’s happening in the insurance arena so that we can be prepared for anything. And she’s walked alongside a lot of clients who had unforeseen circumstances, crazy things go on, and I’m sure she’s learned a lot so that she can then carry that knowledge onto the next client. So, Ann’s just a wealth of information. She’s also, um, a parent and a wife and living the small-business-owner life. So she’s just got all kinds of angles from which to fill us with knowledge. So, Ann, thank you. Thank you again. You know what I think we should start with? The big freeze. Yes, exactly. There were a lot of fun names that went around for the, uh, craziness that was February, 2021. And, um, you know, everything from of course, floods to repairs to, um, just having to hire contractors. There’s so much there to unpack probably in terms of, um, what do we need to know to be prepared for something like that, that we just think, “nah, that’ll never happen.” So I know that’s a whole lot there, but just what are your top tips about that kind of thing? What do we need to know? You’re so right. There’s so much. And we never thought, right? I don’t think, you know, we have friends in the North and they’re like, “how do you not have electricity?” Or “why are the pipes breaking?” You know? And I’m like, “because we don’t dig below the freeze line” and things like that, that are conversations we don’t have in Texas. However, they never water their foundations either. So it goes both ways. But yeah, that freeze who- I mean, it was a hard freeze, right? We talk about it, but it was multiple days under freezing temperatures, very low temperatures. So that puts stress on your home, your plans. How many people are replacing bushes around their homes now because the, um, their Indian Hawthorn is all dead or whatever? But the biggest thing, of course, in the end, the worst thing you want is when you have a pipe break. So we, um, we’ve seen, um, a lot of those tankless water heaters, their holding tank have failed many, many of those that happened. So that’s, you know, I will say we’re, um, that’s one of the biggest things. And of course, the first thing you want to do is try and stop the, stop, the water from flowing and remediate as much as you can so that you can, um, stop the loss from being greater than it has to be. However, you know, I will be honest. We have multiple clients with more than $150,000 claims going right now because they have so much damage. And, um, so that’s the big thing where people say “that’ll never happen to me.” Water is so invasive. And we’ve learned that the hard way through the freeze and it gets everywhere. There’s places where they’re like, “but the water was on the other side of the house. Why is my kitchen wet?” That’s the way it is. Water just goes everywhere. So that’s, that’s a big thing is we think it won’t happen. How do we prevent that from happening? Well, one way is, you know, whole-house leak detections, which we’ve never thought of in the past. And a lot of people don’t consider it, but there are devices out there that will actually shut off when they, when they noticed that the hot water tanks are failing, it’ll shut off your water. So those are devices to prevent losses, right? Because we really want to protect yourselves and not have the big claim. The other part that you mentioned- or before we move to that is the other thing is everything’s wet. How do we get it dry? It’s freezing outside. We’re blowing fans, we’re doing everything we can, we want to prevent the growth of mold. Things are damaged, everything you can do. Um, we, you know, in this event, we, even our water mitigation companies that are local, we’re just overwhelmed, right? …