Core Insurance Group - Brady Carpenter

06/02/2026

Two letters on your homeowners policy decide whether you get a $20,000 check or a $4,000 one.

Pull your policy and find RCV or ACV on the roof.

RCV is replacement cost. Tree hits your roof, the insurer pays what a new roof costs today. ACV is actual cash value. Same tree, same roof, but they pay what your old roof was worth after depreciation. On a 15 year old roof that is a four figure check instead of a five figure one.

Most folks assume they have replacement cost. A surprising number do not, especially on roofs. Newer policies have been quietly shifting to ACV on roofs to keep the premium low, and you probably never got a phone call about it.

If you own a home in PA, NJ, or DE, this is worth ten minutes this week.

Comment HOME or DM me and I will send my free 7 gotchas checklist for PA area homeowners.

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06/01/2026

Most ABA practices I look at are overpaying on workers comp, and it has nothing to do with payroll.

It is the class code. A lot of agents lump BCBAs and RBTs under one code, usually a physician office code or worse, a clerical one. Then the auditor shows up, reclassifies the payroll, and the owner gets a bill nobody warned them about.

BCBAs and RBTs do not do the same job. They should not be coded the same. Splitting the payroll correctly can cut a premium by 20 to 30 percent. I caught one last month where the owner had been overpaying about $7,200 a year for three years straight.

If you own an ABA practice in PA, NJ, or DE and nobody has reviewed your codes in the last year, get a second set of eyes on it.

Comment CHECK or message the page and I will send you my free 5 minute ABA class code check.

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05/30/2026

If you pay subcontractors and you do not collect their certificates, your workers comp audit is going to hurt.

When you hire a 1099 sub who cannot prove they carry their own workers comp, your insurance company treats that sub as your employee at audit time. They add what you paid that sub to your payroll and charge you premium on it. I watched a roofing contractor get a $14,000 audit bill in one shot because four of his subs could not produce a certificate.

The fix is boring and it works. Collect a current certificate of insurance from every sub before they start, keep it on file, and make sure it shows their own workers comp. No certificate, no payment. That one habit can save you five figures at audit time.

Most of the contractors I work with in PA, NJ, and DE had at least one uninsured sub on the books and had no idea what it was about to cost them.

Comment TRADES or message the page and I will send you the contractor COI and workers comp checklist GCs actually verify.

05/13/2026

Storm season reminder that I post every year because it matters.

Three things to do right now before anything happens:

Take a video walkthrough of your house. Open every closet, every drawer, get your electronics, your furniture, everything on camera. Upload it to the cloud. If you ever have to file a claim, this is worth its weight in gold. Insurance companies cannot argue with video evidence of what you owned.

Check if you have water backup coverage on your homeowner policy. A lot of people do not and it is usually only about $30-50 a year to add. Sewer backup and sump pump failure are not covered under standard policies and those claims run $10-20K easy.

Know your deductible. Not your regular deductible, your wind/hail deductible specifically. In a lot of states that is now a percentage (1% or 2% of your dwelling value) instead of a flat dollar amount. Big difference when you are standing in front of a damaged roof.

If any of that made you go wait I need to check mine, that is exactly the point. DM me and I will tell you where you stand in about five minutes.

Brady Carpenter
Core Insurance Group

03/31/2026

What’s the difference between an agent and a broker?

A lot of people do not realize there is a difference.

An insurance agent usually works with one insurance company, or just a small number of companies. That means they can only show you the options they have access to.

An insurance broker works for you. A broker can shop your insurance with many different companies to help find the best fit for coverage, price, and overall value.

I am a broker for both personal and business insurance (Work Comp, Auto, Liability & Umbrella) with access to over 40 carriers.

So if your insurance is currently through an agent, there is a good chance you have not seen the rest of the market. That goes for home, auto, business, and other insurance as well.

It is always worth doing your due diligence and making sure you are in the best position possible.

I offer a free insurance review to help make sure you are getting the right coverage at the best value.

If you want me to take a look, feel free to reach out anytime.

Phone: 610-908-9771
Email: [email protected]

12/04/2025

Philadelphia Contractors — Quick Heads Up 👇

If you haven’t reviewed your business insurance in a while, now’s the perfect time. We’re seeing huge savings for local contractors across Philly, Bucks, Delco, Montco, and Jersey—especially when we package your General Liability + Workers Comp + Commercial Autos together.

Our agency works with 40+ carriers and some of the strongest contractor programs on the market. Whether you’re doing masonry, HVAC, plumbing, carpentry, paving, or any trade in between — it’s worth seeing if you qualify for lower rates and better coverage.

If you want a quick comparison or just want to see what’s out there, shoot me a message.
No pressure — just good options.

Here to help if you need anything 👇
Brady Carpenter | Core Insurance Group
📞 610-908-9771

11/12/2025

🔍 Did you know? The average full-coverage car insurance premium in the U.S. jumped to $2,638/year in 2025 — about a 12% increase from last year.

And when it comes to homeowners, the average U.S. home insurance cost is now about $2,802/year, with premiums rising faster than inflation.

If you haven’t compared your home and auto policies lately, now could be a great time.
📩 Message or text me and I’ll pull your quotes, check your coverages, and make sure you’re getting the best value and protection for what you’re paying.

– Brady Carpenter | Core Insurance Group
610-908-9771

11/11/2025

🇺🇸 Happy Veterans Day 🇺🇸

Today we just want to take a minute to thank all the men and women who’ve served our country. Your dedication and sacrifice don’t go unnoticed — we truly appreciate everything you’ve done to protect our freedom.

From everyone here at Core Insurance Group, thank you for your service.

Send a message to learn more

11/07/2025

🚀 Big shoutout to Todd and the team at Corporate Link Furniture Specialists.

We just got them into a new insurance program that’s stronger, cheaper, and far more competitive for their Workers’ Compensation and General Liability coverage. Nothing better than helping great local businesses level up their protection while cutting costs. 💪

Welcome to the Core Insurance family, Todd — excited to have you on board!

If you ever need office furniture installation or workspace setup, definitely hit up Todd and his crew:

Experts in all systems furniture, we offer comprehensive design services that include furniture installations, partition assembly, and furniture cleaning. Our team also specializes in furniture liquidation and sales, ensuring you get the best solutions for your needs. Additionally, we provide wareho...