Flood Direct

05/18/2026

🛡️ 3 Simple Insurance Tips 🛡️

Insurance can feel pretty complicated. Even funny commercials can make you feel like you don’t really understand what your policy does.

So here are three simple insurance tips to help you understand your policies just a little bit better:
1️⃣ Update after big life changes. Bought a car? Renovated the kitchen? Let your agent know.
2️⃣ Know your deductibles. This helps you make better decisions and saves you from an unwanted surprise if you have a claim.
3️⃣ Take inventory. If you don’t know what you have, you don’t know what needs to be replaced.

That’s it. These three simple things can help you handle your policies without as much fuss.

As for the rest? Talk to us. We’ll guide you every step of the way.

05/16/2026

A recent study suggests that maintaining a healthy diet may contribute to keeping your brain younger and potentially slowing cognitive aging. 🍎🥦

The research highlights the benefits of nutritious eating habits on brain health, emphasizing the importance of diet in supporting mental wellness and longevity. As we explore ways to promote healthy aging, understanding the role of nutrition in cognitive function becomes increasingly significant.

Incorporating more fruits, vegetables, and whole grains into your diet could be a key factor in preserving brain health as you age.

Source:

A new study that tracked brain changes in more than 1,600 adults over 12 years found that eating may help keep the brain younger.

05/14/2026

💡 "I Thought I Was Covered…" 💸

This is the most expensive phrase in insurance. Thinking your policy does something that it doesn’t leads to gaps that could cost you much more than you think.

But we don’t expect you to be an insurance expert. That’s why we try to make sure your policies match your life at least once a year. We try to avoid things like:

🚫 Sewer backup not included
🏠 Business equipment stored at home
🏚️ Out-of-date replacement cost on your home
🚗 Liability only with a valuable vehicle

If you haven’t had a review in a while, get in touch with us. We can help you find these issues before they become “I thought…” moments. 🛡️

05/12/2026

One of the most iconic roadways in the U.S. is celebrating a major milestone.

Route 66 turns 100 years old this year, continuing to draw travelers from around the world with its unique mix of history, culture, and roadside charm.

Stretching roughly 2,400 miles from Chicago to Santa Monica, the route has long been associated with exploration, connection, and cross-country travel.

Over the decades, it has played many roles—from a pathway for migration during the 1930s to a symbol of postwar travel and adventure.

Today, much of the road remains drivable, with historic landmarks, local businesses, and preserved sites keeping its legacy alive for new generations.

For many, Route 66 remains more than just a highway—it’s an experience shaped by the stories and communities along the way. 🚗


Source:

One of the world's most famous highways marks its centennial this year

05/10/2026

05/07/2026

Homeowners and renters insurance can offer protection for your personal belongings, but this coverage is often limited when it comes to high-value items. Items like jewelry, artwork, coin collections, and other rare or expensive items might require more coverage than a standard policy allows.

Let's discuss the benefits of having your valuable items scheduled - it's inexpensive to do so and can be a heart break if you don't.

Talk to Tempo: 813-699-3098

05/05/2026

Join us in celebrating the vibrant history and culture of Mexico.

05/01/2026

May is Jewish American Heritage Month, a time to recognize the lasting impact of Jewish Americans across generations.

From science and the arts to business, law, and public service, these contributions have helped shape communities, drive innovation, and influence the way we live and work today.

It’s also a reminder that progress is often built quietly—through persistence, creativity, and a commitment to something larger than ourselves.

This month, we take a moment to reflect, learn, and appreciate the many stories that continue to shape our shared history.

Wishing you a meaningful month of reflection and recognition.

04/29/2026

🏠 Your Roof Has an Expiration Date ⏳

Spoiler alert: Your roof isn’t forever. 🏚️

And if it is over 15 years old, your insurance policy may be side-eyeing it. 👀

Old roofs are more likely to suffer damage or have leaks, which keep insurance agents up at night. That increased risk can lead to higher premiums or even cancelled policies. 📈🚫

If your roof is getting up there in age, let’s talk about how it may affect your policy and your home. 🏡💬

04/27/2026

The cost of raising a child in the U.S. continues to rise, reaching a new milestone in recent estimates.

A new analysis puts the total cost at approximately $303,000 through age 18, or about $16,800 per year on average.

These figures include everyday expenses like housing, food, and childcare, but do not account for college costs, which can add significantly more over time.

Costs can also vary widely depending on location. Some states saw notable increases, while others experienced slower growth in certain child-related expenses.

While the overall total has increased, some categories, such as early childcare, have shown signs of stabilizing in recent data.

As costs evolve, these trends offer a broader view of how family-related expenses are changing.


Source:

Raising a child through age 18 is most expensive in Hawaii, where a family would spend an estimated $412,661 in 2026, LendingTree found.

04/23/2026

It’s time to consider a personal umbrella insurance policy to help cover liabilities that exceed your homeowners or auto policy limits. Litigation & settlements are at an all-time high with no end or cap in sight.