Dennis Lam Insurance

09/01/2026

This is the season for severe thunderstorms that can include large numbers of lightning strikes, and this has been the case for a multiple areas of the country this summer.
Lightning is one of the most common natural disasters that can cause damage to homes. It’s important to know what your homeowners insurance policy covers, doesn't cover, and what you need to do if your home is struck.
https://www.dennislaminsurancega.com/blog/lightning-strikes-and-homeowners-coverage-navigating-insurance-for-lightning-damage

08/25/2026

Do your outdoor recreational hobbies include ownership of non-auto motorized vehicles like golf carts, boats, motorcycles, ATVs, or RVs?

Insuring these can be very different from protecting conventional autos. Here are 4 points you should be aware of if you own a recreational vehicle like these:
https://www.dennislaminsurancega.com/blog/beyond-auto-smart-insurance-tips-for-recreational-vehicles

08/18/2026

As insurers are tightening their criteria of their client portfolio due to the industry's hard market, the occurrences of cancellations and non-renewals are on the rise.
It's especially important in this climate that you understand the difference between these two actions, reasons insurers take them, and how to avoid being the recipient of either of them.
https://www.dennislaminsurancega.com/blog/insurance-cancellation-vs-non-renewal-what-every-homeowner-needs-to-know-in-todays-insurance-market

08/11/2026

You're not by yourself if you feel overwhelmed when making decisions about your insurance coverage. Why is insurance so complicated, and how do you navigate through coverage options to ensure you choose what's best for you? Read on for answers to these two important questions.
https://www.dennislaminsurancega.com/blog/the-hidden-dangers-of-choosing-the-wrong-insurance-coverage9349605

07/28/2026

There is plenty of attention given to steps to take before an anticipated storm to reduce the potential for damage and the need to file an insurance claim.
But less focus is on steps to take AFTER a dangerous storm to reduce personal injury and property damage. A recent study after a tornado in Illinois confirmed that 50% of physical injuries were suffered after the storm when completing post-storm tasks.
Any bad storm can damage power lines, electrical systems and gas lines that put may put you and your property at risk of fire, explosion, or electrocution. Not to forget risks and further potential damage associated with water damage and flooding.
Here are 10 examples of safety steps to take after a bad storm.
https://www.dennislaminsurancega.com/blog/up-to-half-of-storm-injuries-happen-after-the-storm-dont-become-a-statistic

07/21/2026

Have you ever come across the term subrogation while reading about auto insurance and wondered what it actually means?
It's one of those insurance terms that sounds complicated but is actually fairly simple—and understanding it could make a big difference after a car accident.
Let's look at what subrogation is, when it can help you, and when you may want to think twice before using it.
https://www.dennislaminsurancega.com/blog/subrogation-the-auto-insurance-term-that-could-save-you-time-and-money

07/14/2026

Summer has already heated up with “feel-like” temperatures in the triple digits. Here in the South, scorching temperatures and high humidity can linger well into early fall. And while the air temperature may be in the 90s, the pavement beneath your tires can easily exceed 140°F.

Extreme heat doesn't just make driving uncomfortable—it can create unexpected hazards for both you and your vehicle. Here are seven important tips to help you stay safe on the road this summer:

Summer has already heated up with “feel-like” temperatures in the triple digits. Here in the South, scorching temperatures and high humidity can linger well into early fall. And while the air...

06/30/2026

This 250th Independence Day is shaping up to be one of the busiest travel holidays and most celebrated in American history. And while this means more reunions, barbecues, and celebrations, it also means a higher likelihood of insurance claims.
July 4th is consistently one of the riskiest days of the year for both personal injury and property damage.
Here are 7 practical ways to make sure you're celebrating, not filing a claim:
https://www.dennislaminsurancega.com/blog/stars-stripes-and-safety-protecting-your-fourth-of-july-from-insurance-claims

06/23/2026

Golf carts are becoming an increasingly popular way to get around neighborhoods, parks, and communities. But before you start using one for everyday family transportation, it's important to understand the local rules and insurance requirements that apply where you live.
https://www.dennislaminsurancega.com/blog/before-you-take-your-golf-cart-on-the-road-know-the-rules-and-insurance-requirements

06/16/2026

When shopping for homeowners insurance, most people focus on factors like their roof’s age, the overall condition of their home, and its location. But there’s another important factor many don’t realize: your credit score.

Yes — your credit history can significantly impact your homeowners insurance premium. Here’s how:
https://www.dennislaminsurancega.com/blog/the-hidden-factor-that-could-lower-your-homeowners-insurance-premium-up-to-50