April 28, 2026

Matt Guzinski w/ Farm Bureau Financial Services

24 minutes

Nick hosts Matt Guzinski from Farm Bureau Financial Services for an in-depth discussion about the insurance landscape and storm damage claims. Matt, a 26-year veteran agent who built his business from scratch, shares valuable insights about navigating today's challenging insurance market and the proper process for handling storm damage claims.

How insurance premiums have doubled in recent years due to increased storm frequency and inflation

The impact of cosmetic damage exclusions and roofing schedules that many homeowners don't understand

Farm Bureau's unique "one deductible per occurrence" policy that can save thousands during multi-property storm damage

Why wood shake roofs are driving premiums sky-high and how replacing them can cut costs by 75%

The step-by-step process homeowners should follow when filing storm damage claims

How to choose reputable local contractors versus storm chasers

Why filing legitimate weather claims won't increase your individual rates

The importance of annual insurance reviews to understand changing coverages

Resources mentioned: Farm Bureau Financial Services, RBC investments, xactimate software, Nebraska Department of Insurance website, Royalty Roofing and Siding

Chapters

(00:00:00) - Crown Your Home
(00:00:32) - Farm Bureau President speaks
(00:01:00) - Farm Bureau Insurance: Commercial and Farm Insurance
(00:03:55) - Nebraska Farm Bureau Insurance Interview
(00:06:47) - Farm Bureau: Do Homeowners Know What Their Insurance Coverage Includes?
(00:08:49) - Farm Bureau Insurance: Wood Shakes Roof
(00:12:39) - Wood Shakes vs. Synthetic Shingle
(00:14:56) - Hail Damage Claims Process
(00:19:44) - How to Get Your Property Back on-Forecast
(00:21:13) - Nick: Ultimately, claims affect us all. So directly or indirectly, it affects rates

...more

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By Nick Prososki & Nick Bermel