Beacon Insurance Group Intern: Tripp Bricketto

Tripp Bricketto.jpg

Tripp is a senior at The Citadel and is interning at Beacon Insurance Group for about a month this Summer. Tripp is majoring in Business Administration and wanted to learn about the insurance business to see whether or not it is a career he would choose upon graduating.

Besides college, Tripp participates in groups and clubs such as Ducks Unlimited, Citadel Rod & Gun, Church, Charleston Propeller Club, Lowcountry Redfish Cup. Tripp says his top three favorite activites (in no particular order) are hunting, fishing/being on the water, and hanging out with friends.

At Beacon, Tripp has been working on marketing campaigns, organizing and entering leads, learning about different aspects of business and personal lines insurance, among many other general office tasks. He is more than willing to help our where he is needed. It is no doubt that Tripp’s eagerness to learn will make him a great asset no matter what career path he decides to take.

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July Events in Bluffton, Hilton Head, and Beaufort

Check out these fun events in Bluffton, Hilton Head, and Beaufort this month!

July 16-17, 2013
5th Carolina’s Super Senior Championship
Call for times
The Carolina’s Golf Association is holding their 5th annual golf championship.  The Super Senior Championship is open to male amateurs with a minimum age of 65 and a maximum handicap of 15.4.  In addition, players must be a legal resident of North Carolina or South Carolina.  More information is available at http://www.carolinasgolf.org/championship/home/supersenior/year/2013
Location: Hilton Head Nation Golf Club, 60 Hilton Head National Drive, Bluffton, SC 29910
Contact: Thomas Schultz at hhnteetimes@unitedco.net or call 843-842-5900

July 18, 2013
Water Fun Day by Island Recreation Center
4:00 pm-7:00 pm
The $5 admission includes all water rides and games.  Parents are free of charge.  The food will be sold separately and all proceeds benefit that Hilton Head Island Recreation Association Children’s Scholarship Fund.
Location: Shelter Cove Park, 39 Shelter Cove Lane, Hilton Head Island, SC
Contact:  843-681-7273 or visit www.islandreccenter.org

July 19, 2013
Bluffton Sunset Party Series- May River Shrimp Festival
5:00 pm-9:00 pm
Fresh local shrimp featuring “Lowcountry Boil Bluegrass Band”, shrimp boat tours, shrimp cleaning contest and more.  There will also be a food court.  Tickets will be available at the door for $5 and children under 12 get in for free.  Lawn chairs and pets are permitted, but no outside food or drinks will be allowed.
Location: Oyster Factory Park on the May River
Contact: Bear Foot Sports at 843-757-8520

July 19-28, 2013
58th Annual Beaufort Water Festival
12 noon-12:00 pm
The Beaufort Water Festival is a ten day event which includes music, food, crafts and art, the blessing of the fleet, and many special events.
Location: Beaufort, SC
Contact: 843-524-0600 or email info@bftwaterfestival.com

 

Property Reconstruction vs. New Construction – Why to Insure Properly for Property Rebuilds

It is amazing how everyone is an expert on the cost to rebuild a home after a fire or natural disaster.  When making prudent decisions, the larger picture is always clouded by the small snapshot called the insurance premium.

Some examples of why new home construction costs are lower than the cost to reconstruct a home after a major loss:

  • Demolition – Before you can reconstruct you need to tear down.  The cost and time is very labor intensive.
  • Debris Removal – Once you tear down the structure, the debris needs to disposed.  Environmental laws keep increasing  the cost of where and how debris is to be disposed.
  • Building & Ordinance Code Changes – many locals have increased or adopted stricter building codes  driving costs.
  • Natural Disaster Surcharge – Building material costs and labor jump dramatically after a disaster due to increase demand.
  • Contractors Usually Not the Same – Historically, new home builders do not desire to be involved in reconstruction projects.  This is due to the costs of doing business with all issues involved in insurance claims.
  • One off Rebuild – It is more costly to build one home than if the builder is building multiple homes at the same time as he can buy supplies in bulk.

The statistics show after years of claims data that it normally costs 30-40% more to reconstruct an existing home versus building a brand new home.  If you are underinsured due to all the above types of costs, could you afford to be out of pockets tens to hundreds of thousands of dollars? 

The next time an individual tells you they can rebuild your home for X dollars, sign him up on the spot to an open end contract in case you have a loss.  Gambling on another’s word vs. adequate homeowners insurance South Carolina? The choice is yours.

Tips for a Safe and Happy 4th of July

 

It’s that time of year again-July 4th!  This is the holiday that is best known for barbeques, parties and fireworks.  These are all things that are fun things to do with your family, but the safety of everyone around needs to be a priority.  This is the holiday with the most fires.
It is important to keep any paper party decorations away from the grill and any fireworks that are being set off. 

Make sure that if you are having a party where alcohol is involved, that everyone has a designated driver or a safe way to get home. 

There are also thousands of Americans injured while using fireworks.  There are more than 9,000 fireworks related injuries that occur in the U.S. each year and approximately 45 percent of them are children age 15 and under.  

Have fun and be safe on this holiday of remembrance!

Here are a few tips to keep yourself and everyone around you safe this 4th of July.

  1. Have a fire extinguisher readily available
  2. Keep alcohol away from children and animals
  3. Make sure fireworks are set off a safe distance away from decorations
  4. Never handle fireworks without protective eyewear
  5. Do not take your pets to fireworks displays

Happy July 4th from Beacon Insurance Group

On this day in 1776, the Declaration of Independence was approved by the Continental Congress.  This settled the 13 colonies on the road to freedom as a sovereign nation.  July 4th has been a federal holiday in the United States since 1941.  From 1776 until the present day, July 4th has been celebrated as the birth place of American independence, with typical festivities being fireworks, parades, concerts, family gatherings and barbecues.  You can show your patriotism by flying a flag at your house or office, sending letters and care packages to the troops overseas, and making donations to veterans. 

Below are some interesting related facts that you may not know:

  1. 56 – The number of signers to the Declaration of Independence.
  2. Charles Sherman, who represented Maryland, was the last surviving member of the signers of the Declaration.  He died in 1832 at the age of 95.
  3. Thomas Jefferson and John Adams both died on the July 4, 1826.
  4. $218.2 million- The value of fireworks imported from China in 2012, representing the bulk of all U.S. fireworks imported.
  5. $3.8 million- In 2012, the dollar value of U.S. imports of American flags.
  6. 59 places contain the word “liberty” in the name.
  7. Only one place in the whole country had the word patriot in its name: Patriot, Indiana.

Things to do in Hilton Head on the 4th of July

The July 4th holiday is known for family gatherings and fun events. There are plenty of things you can do with your family including catching a baseball game, going to the lake or beach for the day, and even having a picnic or barbeque in the backyard.  Hilton Head also has events going on for the 4th of July.  Below is a list of local events for this patriotic holiday.        

  • Annual 4th of July Parade – All Day Event (Begins at 8:30 am)
    Show off your red, white and blue spirit by decorating your bicycle, wagon, dog or kids for a fun parade around Harbour Town.  They will be meeting at the parking lot adjacent to the Harbour Town Lighthouse at 8:30 am to register and pick up decorating supplies.  The supplies are available to the first 100 registered families. The parade lineup begins promptly at 9:30 am and entries will be judged on patriotism.  Following the parade there will be carnival games, activities and more.
    Location:  Harbour Town in Sea Pines
    Contact:  The Sea Pines Resort Recreation Department at 843-842-1979
  • Gregg Russell 4th of July Concert 8:00 pm-9:00 pm
    Gregg Russell has become a classic at The Sea Pines Resort.  He will be under the famed Liberty Oak in Harbour Town entertaining adults and children.
    Location:  Harbour Town
    Contact: The Sea Pines Resort Recreation Department at 843-842-1979
  • Fireworks at Harbour Town
    9:00 pm-11:00 pm
    Join the festivities in Harbour Town for a fireworks extravaganza that will light up the sky over the famous Harbour Town Lighthouse and Calibogue Sound.
    Location: Harbour Town
    Contact: The Sea Pines Resort Recreation Department at 843-842-1979