Wheeler Insurance and Financial Services, Inc.

10/09/2026

A fun local event...
Spooky Springs-October 24th (Blue Springs)

Get ready for a spook-tacular good time! Spooky Springs is back on October 24. Break out your best costume and get ready for games, pumpkin decorating, trick or treating, food trucks and the legendary spooky trail! This is a family-friendly event. Please note the trail becomes “scary” after 7 p.m.

Location: Wilbur Young Park
Ages: All ages
Date: Saturday, October 24
Time: 6-8 p.m.
Fee: Free; pumpkin decorating is $5 (pre-register online or pay cash day-of)

Register for Spooky Springs
https://secure.rec1.com/MO/blue-springs-parks-recreation-mo/catalog?filter=c2VhcmNoPTQ0MjI4Nzk=

10/07/2026

9 Signs Your Small Business Is About to Get Hacked
Managing Risks from The Hartford

1. You have higher than average employee turnover.

2. Your staff is remote and/or mobile.

3. You have no IT support.

4. You do not buy security software.

5. Your employees do not get trained.

6. You have no procedures for securing data.

7. Your computers and operating systems are old.

8. You have no BYOD policy.
Are your employees allowed to bring their own devices (a BYOD policy) and use them for work? That’s what most companies do. Unfortunately, this can create security issues if they are not monitored.

9. Password changes are not enforced.

10/06/2026

Important tip of the day...items that are typically excluded from a homeowners policy.

Flood
Water back up
Earthquakes
Sinkholes
Landslides
Termites
Rodents
Certain dog breeds
Home businesses
Mold

Why are they excluded and what do you do if you'd like coverage?

Flood-is an additional policy. It can most definitely be purchased and depending on your flood zone rating it can be mandatory by your lender or if not mandatory something you can purchase on your own.

Water back up is an endorsement so an add on to your policy. It's a great option when you have a basement as well.

Earthquake coverage is an endorsement as well. We can explain how it works. Just note the deductibles are high, so coverage doesn't "kick in" for a broken window it does take a bigger event.

Sinkholes, landslides, termites, rodents...these kinds of losses are not something that's typically covered and nor can you add coverage for them. Preventive pest control hopefully can help with the last two.

Certain dog breeds can cause issues when they're aggressive breeds or if you've had issues priors with a dog bite. It's important to be really transparent when it comes to your pets. Exotic animals can also be excluded.

Home businesses need to be disclosed as well. There are endorsements we can add on for coverage. Insurance companies just want to know this information, so you're properly covered and they understand the risk they are taking on such as an in home daycare. That does pose more of a threat then someone with 0 customers coming to their home and maybe there on a computer all day long.

Last but not least mold is typically not covered but there are scenarios where coverage can be present. It's just important to ensure someone is checking in on your home if you're away for an extended period of time. If a pipe bursts and water sits for days or even a week that can most definitely causes additional damage and mold. Insurance companies need to know that you have some safeguards in place to protect your property.

When unsure, please ask us questions. We're always so happy to help and always want to be proactive and not reactive to situations.

10/03/2026

Just a reminder today and always, to be nice to yourself.
Be your own best friend, say the nice words, give yourself the advice you'd give your dear friend.

Happy Saturday and thank you for being you!

10/01/2026

Anyone who owns a business most definitely feels this way often, if not daily. :) Self-care is needed.

Happy October 1st!

09/22/2026

Welcome Fall
for those of us that our summer lovers...we'll miss you, come back soon and winter be kind to us.

09/10/2026

It's nearly fall...here's a great pumpkin patch guide. We hope it helps.

Looking for the best pumpkin patches in Kansas City? Our 2026 Kansas City Pumpkin Patch Guide rounds up the top family-friendly pumpkin patches, fall festivals and farms across the metro. […]

09/08/2026

Grain Valley Fair details....as of last week. We hope everyone gets to go enjoy the fun.

09/04/2026

Wishing you a safe & Happy Labor Day with hopes you enjoy a long holiday weekend.

Our office will close at 3pm on Friday, September 4th and will be closed in observance of Labor Day, Monday, September 7th, 2026.

If you experience an emergency, please call your insurance company directly or you may call or text the afterhours emergency cell phone at 816-463-1950.

09/03/2026

https://kcparent.com/event/lees-summit-fall-open-house/

This weekend is filled with so many fun things to do:
De Soto Days in Kansas is totally worth the drive. https://www.desotodays.com/

There's Lee's Summit Fall Open House, Worlds of Fun has Oktoberfest, it's nearly pumpkin patch time so look for some great coupons on the KCparent website. That's always the place we check out first or Groupon can be a great resource.

It's a long weekend so whatever you do, please enjoy yourself and stay safe.