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Why Personal Insurance Reviews Matter

Life moves quickly — and when it does, your insurance coverage needs to keep up. Many people get insurance and never look at it again, assuming their policies will always protect them. But as your life changes, so do your risks. Big moments like buying a home, getting married, or having a child can leave you underinsured if you don’t adjust your coverage.

That’s where a personal insurance review comes in. This simple check-in ensures your protection matches your current life stage, avoiding costly gaps and making sure you’re not overpaying for outdated coverage. Whether it’s your home, car, valuables, or future you’re protecting, regular reviews help keep everything aligned.

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What Is a Personal Insurance Review?

A personal insurance review is a chance to sit down with your insurance agent and go over your current policies. It’s all about making sure your coverage still fits your lifestyle, assets, and risks. During the review, you can update outdated information, make adjustments based on recent changes, and even find opportunities to save money by bundling or removing unnecessary add-ons.

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1. You’ve Recently Moved

A change in address is a clear sign that it’s time to review your insurance. Whether you’re renting or buying, your new location can affect everything from property values to risk factors like crime rates or natural disasters.

• Homeowners or Renters Insurance: Your new place may need different dwelling limits or personal property protection.

• Auto Insurance: Even your daily commute or parking situation can impact your premiums.

• Liability Coverage: Moving into a larger home or a higher-value neighborhood may call for more protection.

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2. Marriage or Separation

Tying the knot — or untying it — changes more than your relationship status. It alters your financial life and your insurance needs.

• If you’re getting married, consider combining auto policies, increasing life insurance, and making sure both of you are protected under health and homeowners coverage.

• In the case of a separation or divorce, you’ll need to update beneficiaries, separate policies, and ensure that each person is still covered appropriately.

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3. Buying or Selling a Home

A new home is one of the biggest investments you’ll ever make. That’s why your insurance should match the true cost to rebuild or replace your property — not just the price you paid for it.

• When buying: Ensure coverage meets current building codes and replacement costs.

• When selling or downsizing: You may be able to adjust or reduce coverage based on your new property.

Either way, this is a must-have reason to meet with your insurance agent.

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4. Welcoming a Child

Becoming a parent brings joy — and added responsibility. With a growing family, your insurance needs grow too.

• Life Insurance: Make sure your family is financially protected if something happens to you.

• Health Insurance: Add your child to your policy as soon as possible.

• Future Planning: Start thinking about long-term needs like education savings and income replacement.

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5. Changes in Income

A promotion, job change, or retirement all affect your financial picture. As your income shifts, your insurance should evolve with it.

• Higher Income: Often means more assets to protect — and a bigger need for liability or umbrella insurance.

• Self-Employment or Business Ownership: You may need new types of coverage you didn’t before, like business liability or equipment protection.

• Retirement: You might shift from income protection to estate planning and health-related coverage.

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6. Purchasing or Selling High-Value Items

Got a new engagement ring, expensive electronics, or fine art? Or maybe you sold that vintage guitar or designer watch? Either way, your insurance should reflect it.

• New Items: Valuable belongings often require additional protection beyond standard coverage.

• Sold Items: Removing items you no longer own can save you money on premiums.

Make a list and keep your insurance up to date.

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7. Buying a Rental or Investment Property

Owning a rental property opens up new income opportunities — and new risks. Your homeowner’s insurance won’t cover rental activity, so you’ll need separate coverage.

• Landlord Insurance: Protects the structure, rental income, and liability associated with tenants.

• Umbrella Policy: Adds extra liability protection in case of lawsuits or major claims.

This is a perfect time for a personal insurance review to get everything squared away.

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8. Major Changes in Your Family or Health

Life is full of unexpected changes. Here are a few more reasons to revisit your coverage:

• Caring for an aging parent

• Kids leaving for college

• Receiving a financial windfall or inheritance

• Major health diagnosis or disability

These moments can shift your responsibilities, your assets, and your need for certain types of insurance.

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9. It’s Been a While Since Your Last Insurance Review

Even if life has been calm lately, it’s smart to review your insurance regularly. Experts recommend checking in every one to three years. It doesn’t take long, and it helps ensure you’re not overpaying or underprotected.

You might discover discounts, remove outdated coverage, or add protection you didn’t realize you needed.

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How to Get Ready for Your Insurance Review

When it’s time to check in with your insurance agent, come prepared:

• Bring copies of your current policies

• Make a list of life changes or purchases

• Think about future plans — like remodeling, travel, or retirement

The more information you bring, the better your agent can tailor your protection.

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FAQs

Q1: How often should I do a personal insurance review?
At least once every 1–3 years or immediately after major life events like marriage, a home purchase, or having a child.

Q2: Will a review increase my insurance costs?
Not necessarily. Some reviews may lead to higher premiums due to increased risk, but you might also find discounts or coverage you no longer need.

Q3: Can I do an insurance review by myself?
You can review your policies and note changes, but working with an experienced agent helps you spot gaps and avoid costly mistakes.

Q4: What do I need to bring to an insurance review?
Bring your current insurance documents, details about recent life events, and any plans that may affect your coverage in the near future.

Q5: What types of insurance should I review?
Homeowners, auto, life, health, umbrella liability, renters, and any special coverage for valuables or business activities.

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Why Choose Huff Insurance?

At Huff Insurance, we’re more than just a provider — we’re your partner in protection. As an independent insurance agency, we work with multiple carriers to find the best coverage for your needs, not just what’s convenient. We take the time to understand your life, offer personalized solutions, and help you make informed choices.

Life keeps changing — and we make sure your insurance changes with it. With Huff Insurance, you get local service, expert advice, and peace of mind, all in one place.

1099 Subcontractor or Employee?

Paying Someone by 1099 Does Not Automatically Make Them a Subcontractor

Many business owners assume that issuing a 1099-NEC automatically makes someone a subcontractor. Unfortunately, that is not how the IRS or insurance companies view worker classification.

A 1099 form is simply a tax reporting tool. It reports how someone was paid, not how they should be classified. What matters is how the working relationship actually functions — including who controls the work, who supplies tools, and whether the worker operates an independent business.

From an insurance standpoint, paying someone by 1099 does not prevent them from being treated as an employee if the facts support that classification. This distinction becomes especially important during insurance audits or after a claim.

The term “subcontractor” gets thrown around a lot in your industry, but it is important to understand that not all workers paid on a 1099 are subcontractors. While Form 1099-NEC is used to report payments made to non-employees, the IRS and insurance companies make a determination based on the actual working relationship, not just the tax form. An individual paid on a 1099 could still be considered an employee if the business retains significant control over how the work is performed.

Important note about 1099 reporting:

Paying someone via a 1099-NEC and issuing a 1099 tax form does not automatically make that person a subcontractor or independent contractor. The IRS requires businesses to issue a Form 1099-NEC to report payments made to non-employees when certain conditions are met, but the tax form itself does not determine whether someone is truly a subcontractor. What matters is how the working relationship is structured — who controls the work, how much independence the worker has, and whether they meet the IRS definition of an independent trade or business.

This means that simply paying a worker as a 1099 contractor doesn’t automatically make them a subcontractor in the eyes of insurers, tax authorities, or labor law regulators.

If you use uninsured 1099 subcontractors, you are facing the probability of the following occurring:

• There may not be any coverage under your business liability insurance policy for the negligence or liability of the subcontractor
• You maybe held responsible for the injuries to the subcontractor and/or their employees if they are injured while working for you at a job site
• Possibly that the subcontractors will be picked up on your audit as employees causing you a large additional premium.

Anytime that you use a 1099 subcontractor the following should be required;

• Subcontractor Agreement signed by parties, stating the scope of the operation, what exactly is to be done and the requirements of the subcontractor.

• Certificates of insurance should be maintained on all subcontractors and should be updated annually at a minimum, but preferably at the beginning of each new job

• Subcontractors should be required to provide their independent contractors business license and it should be kept on file

• Even when you have subcontractors that you are subcontracting to and have certificates many times there will still be a charge on your liability insurance for the subcontractor.   The reason is because if the subcontractor is negligent you will still be sued and if their coverage is not sufficient you would then potentially have excess coverage under your policy.

If you answer yes to any of the following questions, the individual contract laborer in question, is most likely an employee.***

• Is the person paid by piece, hour, day or week?
• Does the person perform work that regular employees of your business perform?
• Is all or a majority of the work that is the general nature of your business, performed by contract labor?
• Do you provide the material for the jobs?
• What does the subcontract specify?
• Do you tell them when to work?

In all cases, if the individual/contractors (without worker’s compensation insurance coverage) in question, hires labor to help perform work, the individual would be consider as an uninsured contractor and the amounts they were paid would rightfully be included with payroll/wagers on your audit, and you maybe held responsible by the workers compensation commission to provide them workers compensation coverage if there would be a claim.

*** This is not an all inclusive list; please consult your accountant and/or attorney in determining if a subcontractor is really an employee or not according to IRS and the workers compensation commission

If you use independent contractors you need to beware of the new laws for Maryland was effective October 1, 2009!

SB 909 amended the Labor and Employment Article.  This bill creates a presumption in the workers compensation law that an individual in the service of an employer is an employee and not an independent contractor. As a result, the burden will now be on the employer to prove that a worker is, in fact, an independent contractor (free of the employer’s control, paid other than hourly, not provided tools or materials, etc).

If your subcontractors do the following:

• Are doing work that would normally be done by employees
• You provide them with their equipment
• You have the right to hire/fire them
• You tell them HOW the work needs to be done
• You provide them with the jobs to do each day

Then they are not subcontractors they are employees and you do need to provide workers compensation coverage for them. 

You need to hold your subcontractors to the same standard that you are being held to by your contracts.   If you are using subcontractors then please call us to discuss.  We can tell you the charge on your liability insurance and workers compensation insurance coverage.  Call Huff Insurance 410-647-1111.

Does the IRS Classification Matter for Insurance?

Issuing a 1099-NEC correctly reports income to the IRS but does not alone determine whether a worker is an independent contractor for insurance or employment law purposes. Insurance companies, the IRS, and state regulators will look at the actual facts — such as control, independence, and financial responsibility — when evaluating whether someone is truly a subcontractor.

Insurance Audits and Uninsured Subcontractors

Insurance audits are one of the most common ways subcontractor issues turn into unexpected costs.

At the end of a policy period, insurance carriers review payroll records, 1099s, and payments made to subcontractors. They also request Certificates of Insurance to confirm that subcontractors carried their own coverage.

If a subcontractor cannot provide proof of insurance, the carrier may treat that worker as your employee for audit purposes — even if they were paid as a 1099. When this happens, the subcontractor’s payments may be added to your payroll, increasing your premium after the policy ends.

From an insurance standpoint, uninsured subcontractors often become your responsibility.

Huff Insurance is a full service Independent Insurance Agent We have been dedicated to Protecting Lifestyles™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance & Health Insurance products. Call us at 410-647-111

Top Ten Reasons Why YOUR Business Needs Employment Practices Liability Insurance (EPLI)!

Employment lawsuits are on the rise—are you covered? Discover 10 essential reasons your business needs Employment Practices Liability Insurance (EPLI) , including coverage for ADA building and website compliance.

Why EPLI Is No Longer Optional

Running a business comes with its fair share of risks. But one area many business owners overlook is how expensive and damaging employment-related lawsuits can be—even if you’re in the right. Employment Practices Liability Insurance (EPLI) is designed to protect your business from these kinds of legal nightmares. And today, having EPLI isn’t just smart—it’s essential.

Let’s break down exactly why.

1. Employment Lawsuits Are Increasing

Workplace lawsuits have become more common and more expensive. Claims related to discrimination, harassment, and wrongful termination continue to climb, putting businesses of every size at risk. Even a single accusation can trigger legal costs that most small businesses can’t absorb. EPLI helps manage those risks.

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2. Legal Fees Alone Can Break the Bank

Even if a lawsuit doesn’t end with a settlement or judgment against you, just defending your business can cost tens—or even hundreds—of thousands of dollars. Attorney fees, court costs, and administrative expenses add up fast. EPLI helps cover those expenses so your business isn’t drained trying to stay afloat during a legal battle.

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3. Jury Awards and Settlements Are Higher Than Ever

When cases do lead to payouts, the amounts can be staggering. Whether settled in court or behind closed doors, compensation for claims like emotional distress or lost wages can cripple a business financially. EPLI provides a financial safety net, helping protect your cash flow and your company’s future.

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4. It Covers More Than Just Current Employees

Think it’s only your current staff you need to worry about? Think again. EPLI covers claims brought by former employees, job applicants, and even seasonal workers. If someone claims they were passed over unfairly, treated poorly, or wrongfully let go, this insurance can step in and help with legal defense and potential settlements.

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5. You Could Be Sued by a Customer or Vendor Too

Here’s where third-party EPLI comes in. If a client or vendor accuses one of your employees of discrimination or harassment, you could face a lawsuit—yes, even if the claim seems far-fetched. Without third-party EPLI coverage, your business would be on the hook for legal fees and damages. With it, you’re covered.

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6. ADA Compliance Lawsuits Are Growing

This is a big one—and relatively new. Third-party EPLI can also help with Americans with Disabilities Act (ADA) claims. If your building isn’t accessible, or your website isn’t user-friendly for people with disabilities, someone could file a lawsuit. These cases are becoming more common, especially as website accessibility guidelines become stricter. Adding third-party coverage to your EPLI can help protect your business from these evolving risks.

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7. Small Businesses Are Especially at Risk

Large corporations often have legal departments and HR teams to help prevent or manage claims. Smaller businesses? Not so much. If you’re a business owner juggling hiring, firing, and managing staff without much HR support, you’re more likely to face an employment-related issue—and less likely to have the resources to fight it.

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8. EPLI Policies Often Include Legal Defense

One of the biggest benefits of EPLI is that it often includes legal defense costs, even if the claim is groundless. Whether you’re facing a government investigation or a private lawsuit, having your legal expenses covered can mean the difference between weathering the storm and shutting your doors.

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9. Policies Are “Claims-Made”—Timing Is Everything

Most EPLI policies are written on a “claims-made” basis. That means the policy must be active when the claim is made—not just when the incident happened. If your policy lapses, and a former employee files a claim afterward, you could be left uncovered. Working with an experienced agent like Huff Insurance ensures your policy stays up to date and includes the right retroactive or tail coverage if needed.

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10. It Shows You Care About Doing Things Right

Carrying EPLI isn’t just about protecting your wallet—it also shows your team and customers that you take workplace issues seriously. Businesses that prioritize fair treatment and compliance tend to attract better talent, maintain stronger reputations, and reduce turnover. Plus, many EPLI providers offer HR tools and resources to help prevent problems before they start.

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Quick Recap: Why EPLI Makes Sense in 2025

• Lawsuits are rising – You need protection from financial devastation.
• Defense costs are high – EPLI helps pay legal fees even if you win.
• Settlements can be massive – Insurance cushions you from large payouts.
• ADA lawsuits are growing – Third-party EPLI adds vital coverage.
• Small businesses lack buffers – EPLI fills the HR and legal resource gap.

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FAQs: EPLI in Plain English

Q: What exactly does EPLI cover?
A: EPLI covers claims related to wrongful termination, discrimination, harassment, and other employment issues. It can also cover third-party claims, like ADA-related lawsuits filed by people who aren’t employees.

Q: Does EPLI include ADA website or building complaints?
A: With third-party coverage, yes. If someone claims your website or physical location isn’t accessible and takes legal action, third-party EPLI can help cover legal defense and settlement costs.

Q: I only have a few employees—do I still need EPLI?
A: Absolutely. Small businesses are often more vulnerable because they may not have formal HR processes in place. Even one claim can be financially devastating without this coverage.

Q: Is EPLI the same as general liability insurance?
A: Nope. General liability covers physical injuries and property damage. EPLI specifically handles employment-related claims and certain third-party issues like ADA lawsuits.

Q: What should I look for in an EPLI policy?
A: Look for broad coverage, third-party inclusions, clear definitions, and legal defense benefits. A good agent can guide you through the fine print.

Q: My employees are all family—do I still need EPLI?
A: Yes, you still need it. Even if everyone on your team shares a last name, disputes can still happen—and yes, family members do sue each other.  Plus, having only family employees won’t protect you from third-party claims, like a customer or vendor alleging harassment or discrimination. EPLI provides critical coverage no matter who’s on your payroll.

Why Choose Huff Insurance?

When it comes to EPLI, not all policies—or agents—are created equal. That’s where Huff Insurance comes in.

As an independent insurance agency, we work for you, not a single insurance company. That means we compare multiple carriers to find the right EPLI policy for your business’s unique risks—including ADA compliance and third-party coverage. Plus, we take the time to explain every part of your coverage, so you’re never left guessing when it matters most.

The Independent Agent Advantage

• Tailored Advice: We get to know your business before recommending coverage.
• Multiple Carriers: More options = better fit for your budget and needs.
• Advocacy & Support: When a claim arises, we’re in your corner from start to finish.
• Local Expertise: We understand Maryland businesses and the risks they face.

Conclusion:

EPLI might not be the flashiest insurance policy you’ll ever buy—but n today’s world, it just might be the one that saves your business. Let Huff Insurance help you protect what you’ve built and plan for a safer, smarter future.

We have been dedicated to Protecting Lifestyles™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance products. Call us at 410-647-111

 

 

Back to School Shopping Safety Tips: Keep Your Family Safe While You Shop

Back to school season is here, and for many families, that means crowded stores, packed parking lots, and long shopping lists. While it’s fun to pick out new clothes, supplies, and gadgets, it’s also a time to be extra careful. Thieves and scammers know this season is busy, and they often take advantage of distracted shoppers. The good news? You can still enjoy your shopping trips without worry—if you take a few simple precautions. These back to school shopping safety tips will help you protect yourself, your purchases, and your peace of mind.

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Plan Ahead for Safer Shopping

A little preparation can make your entire trip less stressful and much safer. Choose a time of day when stores are less crowded—weekday mornings are ideal. If you can, do most of your shopping in daylight hours. Better lighting means better visibility, which can deter criminal activity.

Make a list before leaving the house so you can get in and out of stores quickly. The less time you spend wandering, the less opportunity there is for someone to target you.

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Be Mindful in Parking Lots

Parking lots are one of the most common places where theft occurs. They’re full of hiding spots for criminals, and shoppers often let their guard down as they load items into their vehicles.

When choosing a parking spot, aim for a well-lit area close to the entrance. If you’re shopping after dark, park near other vehicles and under a light pole whenever possible. Before getting out of your car, look around and make sure nothing feels suspicious.

When you return to your car, keep your head up and your phone away so you can stay aware of your surroundings. If something feels off, walk back into the store and ask for an escort to your vehicle.

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Keep Valuables Out of Sight

Nothing tempts a thief faster than visible bags, electronics, or wallets inside a car. If you’re making multiple stops, store your purchases in the trunk before you head to your next location. If your car doesn’t have a trunk, use a blanket or other cover to hide your items.

Purses, backpacks, and wallets should stay close to your body at all times. If you carry a bag, keep it zipped and over your shoulder so it’s harder for someone to grab. For extra security, cross the strap over your chest rather than letting it hang loosely.

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Stay Aware of Distractions

One of the most common theft tactics is distraction. Sometimes a person may bump into you, ask an unusual questi

on, or drop something in front of you—all to divert your attention while an accomplice targets your belongings.

If someone tries to distract you in a way that feels off, politely excuse yourself and move to a more public area. Trust your instincts; if something doesn’t seem right, it probably isn’t.

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Limit What You Carry

The more you carry, the easier it is to lose track of things. Only bring what you need for your trip. Instead of carrying large amounts of cash, use a debit or credit card. Keep identification and payment cards in a small, secure wallet rather than in an open pocket.

If you’re shopping with children, make sure you can keep one hand free at all times. This allows you to hold onto your belongings and keep better awareness of your surroundings.

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Protect Your Digital Purchases Too

If you’re shopping online for back-to-school items, remember that safety matters in the digital world as w

ell. Use only secure websites, avoid shopping on public Wi-Fi, and regularly check your bank account for suspicious activity. Cyber thieves can be just as dangerous as those in the store.

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What to Do If Theft Happens

Even the most careful shoppers can become victims of theft. If you return to your car and find a window broken or items missing, contact the police immediately to file a report. Then, call your insurance agent.

Many people don’t realize that homeowners and renters insurance often cover stolen personal property—even if the theft occurs outside the home. This can include items taken from your car. Your insurance agent can guide you through the claims process and help you replace what was lost.

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Keep Kids Safe While Shopping

Back-to-school shopping often means bringing kids along, which can add extra challenges. Young children can easily wander off in crowded stores, so keep them close. For older kids, set clear rules about where they can go and how to find you if you get separated.

Teach children not to share personal information, even if approached by someone who seems friendly. Remind them to alert you right away if anyone makes them uncomfortable.

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Safety Makes Shopping Stress-Free

With so many items to check off your list, it’s tempting to rush through your shopping trips. But a few moments of extra caution can prevent a lot of headaches later. By planning ahead, staying alert, and protecting your belongings, you’ll make back-to-school shopping a much smoother—and safer—experience.

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Frequently Asked Questions About Back to School Shopping Safety

1. Can my insurance cover items stolen from my car?
Yes. Many homeowners and renters insurance policies cover stolen personal property, even if it’s taken from your vehicle. The coverage details depend on your specific policy.

2. Is shopping during the day really safer?
Generally, yes. Daylight improves visibility and reduces hiding spots for criminals, making it harder for them to act unnoticed.

3. How can I keep my kids safe while shopping?
Keep them close, set clear rules, and teach them how to respond if they feel uncomfortable or get separated from you.

4. What should I do if I suspect someone is following me in a store or parking lot?
Go to a public area immediately. In a store, head to the customer service desk. In a parking lot, return to the store and ask for help.

5. How can I protect myself from online shopping scams?
Shop on secure, reputable websites, use strong passwords, and avoid entering personal information while on public Wi-Fi.

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Why Choose Huff Insurance for Your Family’s Protection?

At Huff Insurance, we understand that protecting your family’s belongings goes beyond the walls of your home. As an independent insurance agency, we offer personalized solutions that fit your lifestyle—not cookie-cutter policies.

Benefits of working with Huff Insurance:

• We shop multiple carriers to find the best value for you
• Personalized service from agents who know your needs
• Expert advice on coverage for theft, property, and liability
• Support during the claims process so you’re never
•  alone

The back-to-school season should be about excitement—not worry. With Huff Insurance, you’ll have the coverage and confidence you need to enjoy this time of year, knowing you and your belongings are protected.

Why Replacement Cost Isn’t Enough: The Truth About Ordinance & Law Insurance

Many property owners feel confident when their insurance policy lists “replacement cost” coverage. It sounds like it will rebuild your property exactly as it was before a loss. Unfortunately, that’s not always the case.  When disaster strikes, you may find yourself facing a surprising bill — not for repairs from the damage itself, but for upgrades and changes you’re legally required to make under current building codes. These costs aren’t always covered unless you have a specific type of protection called Ordinance & Law insurance coverage.

Let’s walk through what it is, why it matters, and a real-life example of how not having it can cost tens of thousands of dollars.

A Real Client’s Story: When Replacement Cost Wasn’t Enough

Picture this: a fire damages your building. You know you have replacement cost coverage, so you assume you’re protected. But then the city steps in with an unexpected demand.

That’s exactly what happened to the brother of one of our clients. His building was damaged in a fire, and when the rebuilding process started, the city informed him that a sprinkler system had to be installed throughout the entire structure. The price tag? $100,000.

The bad news — his policy only provided $10,000 toward this kind of code-required upgrade. Why? Because he didn’t have the right Ordinance & Law endorsement.

Now he’s facing nearly $90,000 in out-of-pocket expenses. Meanwhile, our client, who did have the right coverage, could only shake their head and say, “Thank you for taking care of me.”

The lesson here is clear: replacement cost coverage is important, but without Ordinance & Law protection, you may be leaving yourself dangerously underinsured.

What Is Ordinance & Law Coverage?

Ordinance & Law insurance is designed to fill a very specific gap. It covers the extra costs that arise when you have to bring a damaged building up to current codes during repairs or reconstruction.

When laws and codes change, older buildings may no longer meet the required standards. If damage occurs, you might be forced to upgrade the building to comply — and those expenses can be significant.

The Three Key Parts of Ordinance & Law Insurance Coverage

1. Coverage A – Undamaged Portion of the Building
   Sometimes, local law requires an entire structure to be demolished if a certain percentage is damaged. If you only have standard coverage, insurance pays for the damaged portion, but not the rest. Coverage A ensures the undamaged portion is also covered.
2. Coverage B – Demolition Costs
   Even if a section of your building wasn’t harmed by the loss, you could still have to tear it down to comply with regulations. Coverage B pays for demolition and debris removal in those situations.
3. Coverage C – Increased Cost of Construction
   This is the part that covers upgrades. If codes now require fire sprinklers, stronger roofing, energy-efficient windows, or wheelchair accessibility, Coverage C helps pay for those improvements.

Why It’s More Important Than Ever

Building codes aren’t static. They’re updated over time to address safety concerns, environmental requirements, and modern design standards.

For older properties, that means a simple repair can snowball into a major — and expensive — renovation. Even newer buildings can be caught off guard by code changes that happen between the time they’re built and the time damage occurs.

Here’s why the risk is growing:

• Code Updates Happen Frequently – Changes can require expensive updates like new electrical systems, reinforced foundations, or sprinkler systems.
• Partial Damage Can Trigger Full Compliance – A small fire or storm loss can lead to a full rebuild if local laws require it.
• Costs Add Up Fast – Upgrades can easily add 20%, 30%, or more to the cost of reconstruction.

Sprinklers: The Perfect Example

Sprinkler requirements vary widely depending on where your property is located. In some areas, adding them after damage is mandatory if you’re doing significant repairs. For commercial properties or multi-unit residential buildings, these requirements can be strict.

And as our client’s story proves, installing a sprinkler system can cost six figures. Without the right coverage, that’s your responsibility — even if the damage that triggered the upgrade was relatively small.

Other examples include:

• Rewiring the electrical system
• Installing hard wired smoke detectors
• Hurricane-resistant roof or Windows
• Wrapping your hot water pipes
• Installing additional or deeper footers
• Wrapping your hot water heater

How Much Ordinance & Law Insurance Coverage Do You Need?

A standard policy might include a small amount of Ordinance & Law protection, often around 10% of your dwelling limit. For example, a $300,000 building might have $30,000 of coverage. While that’s better than nothing, it’s often not enough for significant upgrades or full compliance work.

Many property owners choose higher limits — 25%, 50%, or even more — depending on the building’s age, condition, and location. The more complex or older the property, the greater the need for higher limits.

Key Takeaways from Our Client’s Experience

The story we shared earlier wasn’t an isolated case. Building codes are constantly evolving, and insurers design standard policies to replace what you had — not to pay for making it better or bringing it up to code.

If you own property that’s even a few years old, there’s a strong chance local requirements have changed since it was built. Without Ordinance & Law coverage, you could find yourself paying tens of thousands — or more — out of pocket after a covered loss.

Frequently Asked Questions About Ordinance and Law Insurance

1. What triggers Ordinance & Law insurance coverage?
   It kicks in when a covered loss leads to code compliance requirements, such as upgrades or demolition of undamaged portions of a building.
2. Does it cover upgrades to just the damaged area?
   Sometimes. It can cover the increased cost to bring the damaged area up to code, but it also applies when you’re required to upgrade the entire building.
3. Is it part of my standard policy?
   Usually not. It’s typically added through an endorsement or optional coverage.
4. Can I choose how much coverage I have?
   Yes. Limits can often be increased to better match your building’s potential compliance costs.
5. Does it apply to both homes and commercial properties?
   Yes. In fact, commercial and multi-family buildings often face stricter requirements, making this coverage even more important.

Why Choose Huff Insurance and an Independent Agent

At Huff Insurance, our job is to make sure you’re truly covered — not just mostly covered. We take the time to understand your property, your local regulations, and your risk factors before recommending the right coverage.

Because we’re independent, we can shop multiple insurance companies to find the best fit for your needs. We don’t push a one-size-fits-all policy; we tailor protection that makes sense for you.

The peace of mind our clients feel when something happens — knowing they have the coverage they need — is exactly why we do what we do. As one of our clients said after a close call, “Thank you for taking care of me.”

Huff Insurance is a full service Independent Insurance Agent We have been dedicated to Protecting Lifestyles™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance products. Call us at 410-647-111

 

What Is Fake Check Fraud?

Fake check fraud is a dangerous and costly scam that’s been making a comeback. It often begins with what looks like a surprise windfall—a certified check that arrives by mail, sometimes even by Priority Mail to make it seem legitimate.

But here’s the kicker: the check is fake, and the scammer is hoping you’ll deposit it before you realize that. Once you do, they’ll convince you to send part of the money back, only for the check to bounce later—leaving you on the hook for the full amount.

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The Certified Check Scam Making the Rounds

Scammers are getting creative. Recently, people have received what look like certified checks supposedly sent from Huff Insurance—complete with Priority Mail envelopes and branding.  We recently received one of these fake checks that was returned to us by the post office because the fraudsters used an incorrect mailing address for their target.  This is what triggered me to write this blog today.

Here’s how the scam usually works:

1. You receive a Priority Mail envelope with a certified check inside.  Sometimes, the envelope appears to be from us, but the check is from a totally different company.  The scammers are trying to make it look like we are simply forwarding a check to you that we may have received in error.  This is an abvious sign of the scam.

2. There’s a letter or message stating the check was sent in error or that you’re being rewarded for a job or service.  Or, they give you a number to call or text and they reply with the deposit instructions.  The real slick ones simply send the check with hopes that you will call the number on the check to ask why you received it.

3. You’re told to deposit the check immediately via mobile deposit or ATM.  Most banks make the funds from this type of transaction available to you the next business morning.  Also, with remote deposit, there is not a teller involved who may easily spot the signs of the scam and clue you on to it.

4. The scammer then tells you to keep a portion as a “thank you” and return the rest via Zelle, wire transfer, or money order. They may say tell you to keep 10% or 20% and send back the difference pay you back for your inconvenience.

5. A few days later, the check bounces—and your bank reverses the deposit, leaving you liable.

Spoiler alert: Huff Insurance did NOT send or forward that check.

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Why This Scam Works

Scammers rely on the fact that banks often make funds available before checks officially clear. This can take days or even a week. So while the money might look available in your account, that doesn’t mean the check is legitimate.

And once you’ve sent money back to the scammer? It’s gone.

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Warning Signs of Fake Check Fraud

Watch for these red flags:

• You receive a check out of the blue with vague or overly friendly instructions.

• You’re asked to deposit the check quickly and send money back.

• The sender claims to be from a well-known business, like Huff Insurance—but the communication seems off.

• You’re told to keep some cash as a reward for your trouble.

• The check has unusual formatting, misspelled names, mismatched contact info, or feels like it not printed on normal check papaer stock.

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Huff Insurance Scam Alert: What You Need to Know

We want to set the record straight:

Huff Insurance is not sending out or forwarding certified checks in the mail.  If you receive a check from us, it will be our official check and will have  clear explanation as to what it is for.  You can  call us to verify any checks you may receive.

If you’ve received a check from another company that appears to be forarded from us—especially one asking you to send money back—it’s 100% a scam.

We’ve heard reports of this happening and we’re doing everything we can to warn our community. If you’re ever unsure, call us directly at (410) 647-1111 or email info@huffinsurance.com before taking any action.

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How to Protect Yourself From Fake Check Scams

Here’s what you can do:

• Don’t deposit suspicious checks. Contact your bank or the issuing bank first.  Bank representatives are highly trained to spot most of today’s scams and can help you through the situation.

• Verify independently. Look up the real phone number of the company or person—not the one in the letter.  Sometimes the company name that is on the check is also not aware that the scam is being pulled off in their name.

• Never send money back. Legitimate businesses won’t ask you to refund a portion of a payment you didn’t expect.  They would simply ask you to either return the check or they would stop payment on it and ask you to void or destry the check.

• Report the scam. Contact the FTC at reportfraud.ftc.gov.  Also report it to your local postmaster.  We hve done this several times because what they are doing is considered mail fraud.  Te post office can also figure out where the envelope was actually mailed from and possibley track down the fraudsters.

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Contact Huff Insurance

Since 1960, Huff Insurance has proudly served Maryland and beyond as an independent insurance agency. That means we work for you, not for a specific insurance company. We shop multiple carriers to find coverage that fits your needs and budget.

If you have questions about a suspicious mailing, a check you’ve received, or need help with insurance of any kind, don’t hesitate to reach out. We’re here to help—and to protect you from scams like these.

📞 Call us: (410) 647-1111
📧 Email: info@huffinsurance.com

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Frequently Asked Questions (FAQ)

Q1: What should I do if I deposited a fake check?

Contact your bank immediately. They can try to stop the transfer or flag your account. Also report the scam to the FTC.

Q2: How do scammers get my information?

They may buy your data from breached sources or use public information. Sometimes it’s just a numbers game—they mail out thousands of checks hoping someone will fall for it.

Q3: Can I get my money back?

Unfortunately, once you send money to the scammer, it’s very hard to recover. That’s why acting quickly is so important.

Q4: How can I tell if a check is real?

Call the issuing bank directly—using a number from their official website—and ask them to verify the check.  Do not use a phone number that is on the letter mailed or the phone number on the check.  If it is a fake check, they would also include a fake number on it to complete the scam.

Q5: Why are scammers using Huff Insurance’s name?

They use trusted brands to make their scam look more convincing. Huff Insurance is not involved in these scams in any way.

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Final Thoughts

Fake check fraud is a serious threat—and it’s growing more sophisticated. Don’t let your guard down just because a check looks real or arrives in a fancy envelope. If something feels off, trust your gut and verify before you act.

And remember, Huff Insurance is always here to help guide you through these confusing and sometimes scary situations.

Cyber Alert:  How to Spot and Avoid QR Code Scams: Tips to Keep Your Data Safe

Picture this: a Bluetooth speaker you didn’t order arrives at your door. It’s addressed to you, but no sender information is visible. Inside, you find a QR code, encouraging you to scan it for more information about your “gift.” But as soon as you do, hackers gain access to your device, steal your bank details, drain your account, and sell your personal data on the dark web. This is one of the newest QR code scams.

This increasingly common scam, known as “brushing,” uses the curiosity sparked by an unexpected gift to lead you into a trap. QR code scams are on the rise, so let’s dive into how they work, different scam types, and how to protect yourself and your data.

What Are QR Codes?

QR (Quick Response) codes are digital tools that let you access a website or content by scanning an image with your smartphone, instead of typing in a web address. These codes are popular for everything from restaurant menus to airport boarding passes, making it simple to access information with just a scan.

Similar to traditional barcodes, QR codes contain data, but instead of black bars, they use square pixels on a white background. Your phone’s camera decodes the data, which often includes links, coupons, payment portals, or downloadable content.

Originally developed in the 1990s for inventory tracking, QR codes have surged in popularity due to their convenience and adaptability. Businesses use them to provide customers with quick access to information, promotions, and interactive experiences. Unfortunately, scammers are just as interested because QR codes can be disguised and tampered with to redirect users to phishing websites. This tactic, often called “quishing,” has become a new favorite for cybercriminals.

The Federal Trade Commission (FTC) has warned consumers to be on high alert for QR code scams, which are becoming more prevalent every day. Here’s what you need to know to protect yourself.

How QR Code Scams Work

Many scams involve links that take you to fake websites to steal your information. QR code scams operate similarly, but they’re harder to detect because people don’t always examine where a QR code takes them. Scammers know this and use it to trick people into revealing personal data or downloading malicious software. Here are some of the most common ways QR code scams operate:

1. Phishing with QR Codes
   Phishing is a tactic where scammers impersonate trusted entities, like banks or familiar brands, to obtain personal information. Phishing scams using QR codes are particularly dangerous because the QR code can bypass typical email security filters that might otherwise flag suspicious links. By embedding a harmful URL in a QR code, scammers trick you into scanning, which redirects you to a malicious site disguised as a legitimate one. These fake sites can look identical to the original ones, and hackers use them to steal your credentials, banking information, or other sensitive data.
2. Public QR Code Tampering
   Scammers may also tamper with QR codes that are in public places, such as parking meters, kiosks, or transit ticket machines. By placing a fraudulent QR code sticker over a legitimate one, they trick users into scanning a code that sends them to a dangerous site or requests payment information. Imagine paying for parking and scanning a code that, instead of directing you to the city’s payment site, takes you to a fake page designed to harvest your credit card details.
3. Fake Delivery Notifications
   This scam is also becoming more popular, given the rise of online shopping. Scammers send you a text about a “missed delivery” that includes a QR code to “reschedule” it. Once you scan the code, you’re redirected to a page asking for personal information or payment details, ostensibly to verify your identity. Instead, they’re stealing your data.
4. Suspicious Wi-Fi QR Codes
   Some businesses, like cafes or hotels, offer QR codes for easy Wi-Fi access. Scammers exploit this by creating fake Wi-Fi QR codes in public places. When you connect to these Wi-Fi networks, scammers can monitor your activity, intercept passwords, and even access sensitive data from your device.
5. Account Issue Notifications
   You may receive an email or text message claiming there’s a problem with one of your accounts. The scammer provides a QR code that supposedly takes you to your account page to verify your information. But instead, you’re directed to a fake site where the scammer gathers your login details.

Recognizing Common QR Code Scam Techniques

These QR scams typically rely on urgency, curiosity, or fear to prompt you to act quickly. Scammers hope that if they convince you to act fast, you’ll avoid thinking too deeply about what you’re doing. Here’s how they manipulate these emotions:

• Urgency and Pressure: They’ll tell you that you need to act “now” to avoid penalties or missed deliveries.
• Curiosity: They know people may scan out of interest, especially if they’ve sent an unexpected package.
• Fear: Messages about “suspicious activity” on your account may make you feel pressured to click without verifying the source.

Most legitimate companies won’t request sensitive information, like your social security number or password, directly through a QR code. If something feels suspicious, take a moment to verify.

Practical Tips to Avoid QR Code Scams

Here are some practical steps to help you stay safe from QR code scams:

1. Stick to Verified Sources
   Avoid scanning random QR codes, especially those posted in public places or received from unknown contacts. Stick to QR codes you receive from reliable sources, like the official website of a business.
2. Preview the Link Before Opening
   Many QR scanner apps now offer a feature that allows you to preview the destination link before opening it. Check for suspicious URLs or strange characters. Be especially cautious if the URL contains misspellings or unusual formats.
3. Update Your Device and Apps Regularly
   Software updates often include security patches to protect against new vulnerabilities. Keep your device and any QR scanning apps up to date to stay protected from the latest threats.
4. Use a Secure QR Scanner
   Certain QR scanning apps come with built-in security features that detect malicious links. If your email security misses a scam, the QR scanner might catch it, adding a layer of safety.
5. Verify with the Business Directly
   If you receive a QR code through text or email claiming to be from a business, verify it. Visit their official website or call their customer service to confirm the message’s authenticity.
6. Exercise Caution with Wi-Fi QR Codes
   Only use QR codes for Wi-Fi access from trusted establishments. Scammers may place fake Wi-Fi codes in public places to intercept your personal information once you’re connected.
7. Report Suspicious QR Codes
   If you encounter a suspicious QR code, report it to the Internet Crime Complaint Center or the company that the scammer was pretending to represent. Your report can help prevent future scams.

Additional QR Scams to Watch For

Here are a few more examples of QR code scams to be aware of:

• Fake Charity Appeals
  Scammers create QR codes for fake charities, often using current events or natural disasters to appeal for donations. Before donating, verify the charity’s legitimacy through a reliable site, like Charity Navigator or GuideStar.
• Social Media Contest Scams
  Scammers post fake QR codes on social media, claiming they link to entry forms for contests, giveaways, or prize draws. These links often direct you to sites that ask for sensitive information or prompt you to download malware.
• Investment or Financial Advice Scams
  Scammers may also distribute QR codes linking to fake investment opportunities or “exclusive” financial advice. Often, these scams promise high returns and request personal or financial details. Only engage with financial content from verified, reputable sources.

Staying Safe: QR Codes and Future Trends

QR codes have become a significant part of modern convenience, and their popularity shows no sign of waning. Unfortunately, cybercriminals continue to exploit this trend, so staying informed about the risks is essential. Use caution with any QR code that appears in an unexpected place or arrives via unsolicited messages.

As long as you approach QR codes with a cautious mindset, you’ll reduce your risk of falling victim to these scams. Remember to think before you scan, verify the source, and follow security best practices to keep your personal information secure.

Contact Huff Insurance for Peace of Mind

Protecting your personal data is more important than ever. At Huff Insurance, we understand that security goes beyond QR code scams. As an independent insurance agency, we offer personalized guidance and a wide range of coverage options tailored to your needs. Our experienced team can help you understand your risks and find the right policies to protect what matters most—your assets, your data, and your peace of mind. Contact Huff Insurance today to learn how we can provide you with trusted advice and comprehensive cyber coverage options for a more secure future.

Understanding the Risks of Using a Detached Structure for Business on Your Property with an ISO HO3 Policy

Homeowners insurance is designed to protect your home and personal property.  But when it comes to using a detached structure, like a shed or garage, for business purposes, the rules change. If you own a home with a detached structure and you’re considering using that space for a side hustle, workshop, or home office, it’s crucial to understand what’s covered under your insurance.

Let’s dive into the consequences and exclusions of using your detached structure for business purposes.

Consequences of Using a Detached Structure for Business:

1. Loss of Coverage: One of the biggest consequences of converting your detached structure into a business space is the loss of coverage. The ISO 2022 HO3 policy specifically excludes coverage for structures used for business purposes. If you make the switch without informing your insurer, any damage to that building won’t be covered by your standard policy. That means if your detached garage-turned-workshop is damaged by a fire, you’ll be footing the repair bill on your own.
2. Liability Risks: Using a detached structure for business also opens you up to additional liability risks. If a client or employee gets injured while on your property for business reasons, your standard homeowner’s policy is unlikely to cover the medical bills or lawsuits that follow. You’ll need additional business liability insurance to protect yourself from these risks.

Exclusions and Limitations Under the ISO 2022 HO3 Policy:

When reviewing the ISO HO3 policy form, it’s clear that several key exclusions come into play for homeowners using detached structures for business. Here are the main ones to be aware of:

1. Business Property Limitations: The ISO HO3 policy limits coverage for business property under the homeowner’s personal property limit. If you store business inventory, equipment, or materials in the detached structure, these will have limited coverage by your policy in case of loss, theft, or damage. This is usually $3,000 on premises and $1,500 off premesis.  check your policy for the exact details.
2. Detached Structures Used for Business: The policy explicitly excludes coverage for detached structures used “in whole or in part for business.” Whether it’s just a portion of the structure or the entire building, using it for any business purpose will void the coverage for that structure.
3. Limited Liability for Business Operations: Standard liability coverage under an HO3 policy is designed for personal use, not commercial. If you’re running a business from your detached structure and someone gets injured, your liability protection won’t extend to cover business-related incidents. This could leave you financially vulnerable to lawsuits or medical expenses.
4. Loss of Use Coverage Limits: If your home or detached structure is damaged, the “Loss of Use” coverage under a standard homeowner’s policy helps pay for temporary living expenses while repairs are made. However, if the damage is tied to business operations, your policy may deny Loss of Use claims, leaving you responsible for covering those extra costs out-of-pocket.

How to Protect Yourself

If you’re considering using a detached structure for business purposes, you can still protect your property and finances by taking a few key steps:

• Speak with Your Insurance Agent:  Let your agent know about your business plans so they can help you explore commercial insurance options that fit your needs.
• Consider an Endorsement or Rider:  Some insurers offer endorsements or riders that extend your homeowner’s coverage to small-scale business use.  Though these typically come with limits.
• Purchase a Separate Business Insurance Policy: For full protection, you may want to purchase a separate business insurance policy. This will cover both the structure and your business operations.  Thus, providing peace of mind in case of damage or liability issues.

Conclusion

Using your detached structure for business purposes may seem like a great idea, but it comes with serious insurance consequences. Under an ISO 2022 HO3 policy, you risk losing coverage for the structure and any business-related liability. To ensure you’re protected, speak with your insurance agent about the best way to insure your property and business.

Contact Huff Insurance today at 410-647-1111 and one of our experiences agencts can halep you get the right coverage for your home and business.