Month: September 2020

Have you thought about all the “service lines” running under and around your house lately? Those things that give you access to water, electricity, gas, internet connection and more.  If you are like me, you usually only think about them when Netflix stops working. It is about that time when we all think about who to call to get all these things back up and working, but did you know that homeowners are the ones responsible for the maintenance, repair, and replacement of service lines connected to your house?

Energy companies and other service providers are only responsible for the infrastructure up to where it connects to your property. That means that if one of your pipes freezes or your sewer line backs up into your house, you have to pay to fix it.

Think about this: You have a beautiful old oak tree in front of your house. All its rustic elegance has disguised the fact that its roots are growing closer and closer to penetrating your main water line. What began as a small, unnoticed crack eventually expands and causes your pipe to rupture. To fix it, you’ll have to dig up your yard and replace the pipe. That could be a big mess — and an even bigger bill. This type of job can easily run to $5,000 or more.

Good news, if you have service line coverage, it could pay for the excavation, the new pipe, labor, and even the costs of any outdoor property damaged because of the leak. Certainly, better than paying the full cost out of pocket!

The typical types of lines covered include:

• Water
• Waste disposal
• Electrical power
• Drainage
• Compressed air
• Communications
• Heating

Many of our home insurance carriers now offer an endorsement to provide coverage for residential service lines for just a few dollars a month. Call your W&A agent today to learn more!

Kelly McCormack
The Kristal Carpenter Agency 
Jackson, Tennessee

Ingredients

2 cups almond flour
1/3 cup + 1 tbsp. polenta (fine cornmeal)
1 ¼ cup of Swerve sweetener
3/4 tsp. baking powder
1/4 tsp. fine sea salt
4 large free range eggs
1/2 cup and 2 tbsp. liquid coconut oil
2 tsp. almond extract
Zest of 1 lemon
16 ounces fresh pitted cherries (halved)
1/2 cup flaked almonds

Instructions

Place almond flour, polenta, sweetener, baking powder and salt in a large mixing bowl. Combine all ingredients. In a separate bowl, mix together the eggs, coconut oil, almond extract and lemon zest until smooth. Pour the wet ingredients into the center of the bowl of dry ingredients and stir until well combined. Do not use an electric mixer. The batter will be thick.

Fold 2/3 of the pitted cherry halves into the batter. Pour the batter into a prepared 9” cake pan lined with parchment paper. Make sure that the cherries are distributed as evenly as possible throughout the batter. Place the remaining cherry halves over the top and scatter flaked almonds over that. Bake in a preheated 350 degree oven for about 50 minutes or until a tooth pick inserted in the center of the cake comes out clean.

Cool for about 30 minutes before trying to remove the cake from the pan.
The cake is great served hot or cold.

DYERSBURG, TENNESSEE, September 21, 2020  – White & Associates Insurance (www.whiteandassociates.net) today announced that two agents, Shelia Gurien and Tommie Hudson, have been recognized for their hard work and expertise in helping consumers enroll in and manage qualified health coverage through the Health Insurance Marketplace.

This achievement from the Centers for Medicare & Medicaid Services (CMS) as a member of the 2020 Marketplace Circle of Champions highlights both Gurien and Hudson’s success in each actively enrolling over 100 consumers during the 2020 Medicare Open Enrollment Season. The Marketplace Circle of Champions program recognizes the hard work, expertise, and service of Marketplace-registered agents and brokers. Agents and brokers who assist 100 or more consumers qualify for the Elite Status of the Marketplace Circle of Champions.

“Agents and brokers play a vital role in helping consumers access qualified health coverage and navigate their new health insurance plans throughout the year,” said Randy Pate, Director of the Center for Consumer Information & Insurance Oversight within CMS, which oversees the Marketplace. “We thank both Shelia and Tommie for their dedication to providing exceptional service in helping Americans get coverage.”

“White & Associates Insurance is proud to help Tennesseans with their Medicare and health insurance questions,” said Larry White, chief executive officer of White & Associates Insurance. “We are especially thankful for the care and dedication Tommie and Shelia provide to each individual they encounter. The two have a combined 54 years of knowledge in the health insurance field and, more importantly, a special passion for serving others.”

Eligible consumers can enroll in Marketplace coverage during this year’s Medicare annual Open Enrollment Period, which runs October 15 – December 7, 2020 for coverage effective in 2021. Consumers with questions about their coverage or who would like help enrolling, can reach Shelia Gurien or Tommie Hudson at 731-288-3540.