Vermost Insurance Agency - April 2021

Vermost Insurance Agency - April 2021

Protection Team News SUPER BOWL CHAMPIONS!

VOL 13, ISSUE 3

Yes, it is true that the Buccaneers won the Super Bowl at home and that they broke many records. Tom Brady was even named MVP again. What an amazing year for Tampa Bay professional sports! Too bad the fans were unable to enjoy those amazing times in person — thanks to COVID-19. It is safe to say that Tom Brady was well worth the investment that the Glazers made in bringing him to the Tampa area. He literally has changed the entire culture and way of thinking for

I can’t forget to mention the Lightning and a great start to their season. So far so good, but the team needs to stay healthy for another run at the Stanley Cup. Hopefully, fans will be watching them live very soon. Speaking of watching, I am watching the weather and some possible changes to hurricane season. There is a proposal to change the starting date of

Super Bowl Champions! Page 1 4 MLB Teams Poised for a Great Season Page 2 An Umbrella of Coverage Page 2 Did You Know ... Page 2 A Tail That Inspired Thousands Page 3 Check Out Our Referral Program! Page 4 Wacky April Holidays Page 5

hurricane season from June 1 to mid-May, since so many storms have been developing earlier. Great … just what we need is a longer season to watch. It is now up for a vote by the members of the organization to decide whether to make this change. Another upcoming change will affect flood insurance rates. It is now looking like we will see about a 25% rate increase this year for Federal Flood Insurance. Buckle up; it’s going to be a bumpy ride. For those of us in Florida,

the entire team. Who says one person can’t

change a team? The Super Bowl

champs took a page from the Lightning and had a crazy boat parade that even featured the pass seen all over the world.

Noelle enjoying the snow up North!

Who can ever forget Tom Brady throwing the Lombardi Trophy from his boat to Gronk’s boat! Yes, it was caught, but there were some gasps when it happened. That would never have entered his mind in New England since the water would have been frozen, but down here in warm, sunny Florida, it was a perfect moment and catch! Now that the Bucs have won, it’s time again for spring training and for the Rays to try again to reach the World Series, but this time — win it! Some people think that fans will be allowed to attend games to cheer on the home team in the very near future. Speaking of home teams,

Word Search Page 5

Spring Vegetable and Chicken Pasta Bake Page 5 February Referral Rewards and Puzzle

especially in Pinellas County, there are some new flood maps on the horizon that, once approved for use, will cause some properties to now need flood insurance and some that might not have mandatory flood requirements. As soon as we know more, we will let you know about possible impact to your area. Don’t wait to get your flood policy — get it now! Until next month, –Darren

Winner! Page 6

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Toll free (800) 828-2226 Fax (727) 577-4991

www.vermost.com [email protected]

THIS SPRING, BRING THE UMBRELLA How Much Does Corporate 'Umbrella' Coverage Cover? You know what they say about April showers. But sometimes, things fall from the sky on us, and there are no May flowers to look forward to. At Vermost Insurance, we help our clients stay protected from the “showers” of misfortune that can occasionally target any business. And just like any spring storm, you never know when something that demands umbrella coverage will break right overhead. Umbrella coverage is exactly what it sounds like — sort of. It provides shelter from a broad range of costs and could easily be used to cover malpractice, general liability, or property damage. But like any good fail-safe, umbrella coverage isn’t a first resort, and it doesn’t work alone. Instead of being one policy that can apply to any number of outcomes, umbrella coverage is more like a “slush fund” that can be distributed when other insurance policies get maxed out. That’s a very crude description, of course, but in practical terms, that is how umbrella coverage works. Say you get sued for malpractice — and worse, damages are awarded for $750,000. That’s a lot of money, and when that gavel comes down, you realize that your specific malpractice policy only goes up to

DON’T COUNT THEM OUT 4 Teams to Watch This Baseball Season This is no joke: The 2021 Major League Baseball (MLB) season will begin on April 1. While you may wonder whether the Los Angeles Dodgers can repeat as champs or if the Tampa Bay Rays can exact their revenge, don’t count these four teams out just yet. Minnesota Twins You don’t make it to the playoffs with the best record in all of baseball and not make it into some kind of list. The Twins are going to be a fun team to watch because they have a chip on their shoulders. While the team managed to score 269 runs in just 60 games, they also lost their record-breaking 18th straight playoff game in 2020. If they can get consistent pitching, from starters and relievers, they will be in the hunt at the end of September. Detroit Tigers There is a benefit to repeatedly being near the bottom of the league: You get good draft picks. The Tigers are on the cusp of finding that special blend of offense and defense in the coming season thanks to some much- needed depth by up-and-coming pitchers and first- round draft picks — so much so that Jonathan Mayo of MLB.com has them as the top team that missed the playoffs in 2020 who could make a solid run. St. Louis Cardinals The award for best offseason ought to go to the Cardinals, who, all winter long, appear to have outwitted their Milwaukee and Chicago rivals — the Brewers and Cubs were the top two teams in the National League Central last year — by acquiring third baseman Nolan Arenado and re-signing Adam Wainwright and Yadier Molina. The Cardinals are favored to win the Central division if those off-season moves pay off. San Diego Padres After acquiring Manny Machado in a big trade in 2019, the Padres have continued to improve, especially against difficult opponents. The Padres

Vermost Insurance now has a relationship with Chuck Chucri who offers Financial

were a tough team last year, defeating the Cardinals in the wild card round and losing to the eventual World Series champions, the Los Angeles Dodgers. Expect them to be near the top of the standings in September.

Planning & Investment

Did You Know ...

Advisory Services.

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1200 Belcher Rd. S., Suite 1

Largo, FL 33771-3315

Phone: (727) 748-2886

Winter the Dolphin

$500,000. Normally, you’d be in real trouble. But for a low yearly cost — sometimes even as low as a few hundred dollars a year — your umbrella insurance can come to the rescue and cover the remaining quarter-million dollars. Umbrella coverage can be more or less specifically tailored to your unique needs. Although it isn’t good without other insurance policies in place, it will save your bacon if fortune intervenes against you. Wondering if this kind of policy is right for you? Contact Vermost Insurance Agency at (727) 748-2886.

A Tail That Inspired Thousands

Winter the dolphin was only 2 years old when rescuers found her with a crab trap line wrapped so tightly around her tail it was cutting off the circulation to her flukes. Unfortunately, this led to the eventual loss of her tail. In most cases, dolphins can’t survive without their flukes. When Winter first arrived at the Clearwater Marine Aquarium, her caregivers worried about her overall health. The infection that had taken over her tail due to loss of circulation was spreading, and if it reached her spinal cord, they knew she would die. Fortunately, her spinal cord remained untouched. Winter adapted to her situation, but then a new problem arose. Without flukes, Winter began moving her body side-to-side to swim, which caused scoliosis in her spine. Fortunately, an expert created a custom prosthetic tail for her, enabling her to swim normally again without impacting her spine. Since then, Winter has thrived! The story of what Winter went through, her struggle to recover, and how she fought to live has inspired thousands of people. Children and adults who have lost their limbs or were born with disabilities travel from around the world to meet her. She encourages people to keep fighting, and many feel that if Winter could overcome her obstacles, they can, too. There was even a film made about her called “Dolphin Tale.” In fact, many of the scenes from the movie were shot at the Clearwater Marine Aquarium, and Winter starred as herself. The film captures her triumphant story and chronicles how she inspires people around the world. To learn more about Winter, read inspirational stories, or donate to the Clearwater Marine Aquarium, visit CMAquarium.org. And, of course, “Dolphin Tale” is a great film for your next movie night!

CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP® , CLU®, ChFC®, FLMI Financial Planner

Prudential Advisors Prudential.com/advisor/chuck-chucri

Our financial advisors offer investment advice, and some may offer financial planning. Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS). A financial advisor or financial planner offers securities, products, and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. (800) 778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial.

1007626-00003-00

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Toll free (800) 828-2226

Fax (727) 577-4991

www.vermost.com

[email protected]

asd

2021

INSPIRING HAPPINESS!

2020 REFERRAL WINNER!

We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2020. When you refer someone to us, you receive rewards for each referral and are entered into monthly and annual drawings for additional, even bigger prizes. Your referrals mean a lot to us, and we want to reward you for helping us grow our Vermost Insurance family. The annual grand prize winners of our 2020 referral program are Diane and Joseph Goulah. They received a 55-inch 4K TV plus a $250 donation to the Alzheimer’s Association, their charity of choice. If you want a shot at next year’s prize, keep sending referrals our way. Your referrals make us happy, and we hope our referral program makes you happy, too!

Diane and Joseph Goulah are our 2020 referral winners of the 55-inch 4K TV, plus a $250 donation to the Alzheimer’s Association, their charity of choice.

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1200 Belcher Rd. S., Suite 1

Largo, FL 33771-3315

Phone: (727) 748-2886

1200 Belcher Rd. S. Suite 1 ● Largo, FL 33771-3315 ● Phone: (727) 748-2886

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Wacky April Holidays

• National Scrabble Day, April 13 • Tax Day, April 15 • Wear Pajamas to Work Day, April 16 • Earth Day, April 22 • National Pretzel Day, April 26 • National Blueberry Pie Day, April 28

• April Fools’ Day, April 1 • National Peanut Butter and Jelly Day, April 2 • National Deep Dish Pizza Day, April 5 • National Pet Day, April 11 • National Grilled Cheese Day, April 12

SPRING VEGETABLE AND CHICKEN PASTA BAKE

WORD SEARCH

Celebrate spring with this easy, tasty, herb-packed pasta bake.

Ingredients

• 1 cup cooked chicken, diced • 1 14-oz can artichokes, drained and quartered • 1 cup fresh asparagus pieces • 1/2 cup carrots, grated • 1 1/2 cups uncooked penne pasta

• 1 3/4 cups chicken broth • 1/2 cup fresh chives, chopped and divided • 1/4 cup fresh parsley, chopped and divided • 2 tsp minced garlic • 1/4 tsp salt • 1/4 cup grated Parmesan cheese, divided

Directions

1. Preheat oven to 425 F and grease an 8-inch square baking dish with cooking spray. 2. In the prepared dish, stir together cooked chicken, artichokes, asparagus, carrots, uncooked pasta, chicken broth, half the chives, half the parsley, garlic, salt, and 2 tbsp Parmesan. 3. Cover the dish tightly with foil and bake for 35 minutes. 4. Uncover and stir. At this point, check the pasta to make sure it is al dente. If it’s undercooked, cover the dish and return to the oven until pasta is tender. 5. Remove from oven and garnish with remaining Parmesan, chives, and parsley.

ARBOR ARIES

DIAMOND ENVIRONMENT GARDEN KITE

BASEBALL CHERRIES CHOCOLATE DAISY

RAINBOW SHOWERS

Inspired by TheSeasonedMom.com

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Toll free (800) 828-2226

Fax (727) 577-4991

www.vermost.com

[email protected]

PRST STD US POSTAGE PAID BOISE, ID PERMIT 411

1200 Belcher Road South, Suite 1 Largo, FL 33771 www.vermost.com (727) 748-2886

INSIDE THIS ISSUE

You Make Us Happy

We insure more than just cars & homes. Here's a list of some of our lines of protection:

Thank you for recently referring your friends, family, and coworkers to our agency. With your help, our Vermost Insurance family keeps growing! We hope our referral program makes you happy, too! People who referred clients to us in February: Teresa Grein

› Antique vehicles › Annuities › Auto › Boat/RV › Bonds › Builders risk › Commercial auto › Commercial property › Condo › Dental › Disability › Employee benefits

› Flood › General liability › Health › Home › I.D. theft › Life › Mobile home › Motorcycle/Jet Ski › Notary public

Joseph Petrella Kathy Jenkins Ali Tajeddine Bernard Pasqualichio Michael Quire Salvatore Stagnitta Diane Goulah WilliamWroblewski Lee Vogt Omni Parking Richard Gregory Brewster George Phinney

February Puzzle Winner: Susan King

› Umbrella › Workers'

February Referral Winner: Diane Goulah

Compensation

... and more!

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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315

Phone: (727) 748-2886