Come To Find Out

Decoding Florida’s Insurance Market: Expert Tips for Comprehensive Home Coverage and Real Estate Insights

• Sarah Thress • Season 2 • Episode 31

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What if securing affordable, comprehensive home insurance in Florida wasn't as impossible as it seems? Join us this week on "Come to Find Out" as we uncover the intricacies of the Florida insurance market with Brian and Kevin from Top Quote Insurance, and Chris from Search 2 Close Title Company. Experience firsthand insights into how Top Quote Insurance provides an extensive range of options for all property types, whether it's a mobile home or a luxury waterfront estate. Brian and Kevin passionately discuss their commitment to educating clients about proper coverage, moving beyond the misconception that the cheapest policy is always the best choice.

Curious about the future of Florida's insurance landscape? Kevin enlightens us with current market trends, shedding light on how companies like Heritage Insurance are resuming policy writing and Citizens Insurance is reducing its policy count. We navigate through the vital requirements for Florida homeowners, such as wind mitigation and flood insurance, and even speculate on how anticipated rate reductions could stabilize the market. This chapter is packed with valuable information, dispelling fears and providing a clear picture of how the market is evolving post-hurricanes and amidst ongoing fluctuations.

Finally, we shift our focus to the Florida housing market. Chris and our guests discuss how insurance requirements impact real estate trends, especially in regions like Cape Coral and Tampa Bay. From the necessity of wind mitigation and four-point inspections to the benefits of upgrading roofing components, we offer practical insights for homeowners looking to save on insurance costs. As we compare the differing market conditions between Florida and Ohio, we also express our heartfelt gratitude to our listeners. Don't forget to leave your reviews and share this episode to help us spread knowledge and support a well-informed community. Join us for this enlightening journey on "Come to Find Out"!

Top Quote Insurance:
https://www.instagram.com/topquote_insurance/
https://www.topquoteins.com/about-us

Search2Close
https://www.instagram.com/search2close/
https://www.search2close.com

Sarah Thress
614-893-5885

First Time Home Buyer course: https://sarahthress.graphy.com/
Instagram https://www.instagram.com/sarah_thress_realtor/
Facebook https://www.facebook.com/SarahThressRealtor/
https://www.youtube.com/@LIFEINCOLUMBUS

Speaker 1:

Hi and welcome to this week's episode of Come to Find Out.

Speaker 1:

This week we are joined by Brian and Kevin, who are with Top Quote Insurance, and then we also have a returning guest, which is Chris from Search to Close Title Company.

Speaker 1:

But I'm super excited to get them on here because, as you all know, I am licensed in Ohio but also Florida. We have not really covered a ton of Florida stuff on here, so I definitely wanted to do that. But also in talking with Chris, you know, I always kind of pick his brain about what's going on in Florida, because search to close is in Ohio and in Florida and obviously, if you've listened to anything on the news, it sounds like the sky is falling and all of that with insurance and no one can get any insurance in Florida and all of that. So that is why, when I talked to Chris about this, he recommended talking with Brian and Kevin, because they are with Top Quote and can give you legit information instead of the sky is falling information. So thank you guys so much for taking time out and joining us and, brian, I'd love for you to just kind of kick off this you know segment and let us know about Top Quote.

Speaker 1:

You know how did it come about. How long have you been in business? What are things that make you different? You know all of the things, so, brian, take it away.

Speaker 2:

All the things. So, yeah, so we've been in business now for over 14 years. We actually have two companies in Florida. One is Florida Best Quote Insurance, which we kind of focus a little more on the Gulf side of Florida and we write everywhere else as well too with that. But we just created Top Quote Insurance to kind of be more of the concierge direct concierge to lender and realtor partners, while we still obviously show love to people that are not realtors and lenders with TopQuote. It was formed in that way just so we can kind of focus in on home and not real estate transactions, which we've always been a part of for all these years.

Speaker 2:

There's a lot of agencies out there. There's a ton of insurance agencies out there. A lot of them run a lot of ads. Some people know people from families, but what makes us different and there's only a small number of agencies like us out there what makes us very different is the fact that we have every carrier contract in the state that we can write with. What that basically translates into is options. So when another insurance agency is telling you that they only can place you with a certain carrier maybe citizens, for example I'm sure everybody knows about citizens. It is a possibility that there are others out there that will take that risk. That might be a little bit more either beneficial monetarily or beneficial, you know, with a better policy. Um, that's kind of what makes us different. We we can do just about anything and also, too, we are full service. We write commercial, life, health, every type of insurance that you can think of, and I always kind of say jokingly, if it's not on fire, we can insure it. You know, we'll take for for our lender and realtor partners out there that find it very hard to get to the closing table with certain risks. We can take anything from an old mobile home all the way up to a $10 million house in the water. We've got products for that, we've got carrier contracts for that. So we are also.

Speaker 2:

One last quick little tidbit is we are also huge on education. We're not going to sell you something that is based on just the premium. Obviously, the premium and what inflation rate is and the way that people are with their pocketbooks these days, we understand premium has to be that first frame of mind. But at the same time, when we're going over your options, we're going to be teaching you, and that's what Kevin does. We're going to be teaching you about what your options are rather than going well, here's a cheaper route and here's a more expensive route. No, because it doesn't work that way.

Speaker 2:

You need to know that if your house burns down tomorrow, were you covered properly? Did my agent do the right thing? And that is kind of the way my agents think. They think God. Every single time I claim this file, they think God. Did I insure that properly or did I just care about the premium? Because it's not about that at the end of the day. So that is who we are. That is what we feel. We feel it deep in our bones that we want to just take care of people, especially our lenders and our realtors and anybody else that works in the real estate field. We're all about you guys. We're all about just making sure that everybody in Florida is well taken care of as far as insurance is concerned.

Speaker 1:

Yeah, I love that and I love that before we started recording, you know, you kind of, you made a point to say which made me you know well, top quote even more. But you said that you know your employees have to be all about the people and once their mindset shifts if for some reason, their mindset shifts to only focusing on the dollar and how much money they're going to make or whatever that they're no longer employees of yours because that yeah, they just don't belong. Yeah, they don't belong. Yeah, and that, to me, is huge. I love that somebody is that concerned about customer service because, you know, anyone that has worked with me knows that I'm going to give you five-star customer service and if I'm not, then I want to know, because I'm going to make it right and anyone I send you to has to do that as well, otherwise, like, I'm not going to send them. So Right.

Speaker 2:

I mean, it's just, it's common sense, right. I mean we all know, just like every other industry, like the used cars industry and all that stuff, everybody works for commissions, right, and we get it. Commissions is what. You know, how they live and eat and breathe, and you know. It's understandable, right? But we're not here to just sell somebody a used car. This is not just a. You know, you don't really have to have it, but it's kind of nice kind of thing.

Speaker 2:

No, this is insurance. This is your life we're talking about, and with all the different products that we sell and all the different ways that they can go wrong and right, it's important to have the mindset that you can't just be in it for the money, because when you put that in there, then you're giving people these bloated policies with a higher premium so that you can make more money. It doesn't make sense. Or you're selling them on a crappier policy, worse coverage, but maybe that carrier gives you a higher percentage in commissions. You can't have that in your mind. It doesn't work. It doesn't work in our field and we don't believe in it as an agency, and I know that all of our agents don't believe in that either.

Speaker 1:

Yeah, I love that Because I think that if you're taking care of your people and you're doing what you're supposed to and you're a service-minded, you know like a servant hearted leader, then the money follows Like that's just, that's just how it works, naturally. Yeah, yeah, absolutely. I love it. I love it. So let walk me through this. Um, so, if someone was to contact you and this can go to either you, brian or Kevin, um, but if someone contacts you and they're like hey, I need to. You know, I'm purchasing a house, I need to get homeowner's insurance. Um, you know how does that look Like? Do you look at like, oh well, who do you have for car insurance? And could we, you know, bundle that for you? Or do you, you know what? What? Walk me through the steps of what happens whenever someone contacts you.

Speaker 2:

I'll let Kevin take this one, Cause he he deals with this on a daily.

Speaker 3:

All right, thanks for having us. So, for example, I had somebody call me today and they're closing on a house tomorrow and she's like she's an existing client that we have, so it's a you know, it's a rental property for her. Well, I need your address and I'm guessing that if you're closing tomorrow, you know. So we basically, you know, go through that type of stuff. Ask them do you have your four-point inspection? Do you have your wind mitigation? That way we know what credits we can give for the wind mitigation and stuff like that. That way, when we arc, what is the best possible rate that we can find, not just guessing as far as the wind windmills and saying, well, I hope this is it. And then when they get the windmills, a thousand more, you know. So we try to start with here's the best, it could only get better. Or windmill well, here's the worst, kind of and it can only get better from there that type of approach.

Speaker 3:

As far as, like you said, like bundling, we don't have any current carriers that'll do the bundling option. State Farm is really the only one that'll do that in the state, so we don't write with them themselves. So yeah, so that's kind of where we started on the you know question.

Speaker 2:

Yeah, and I just want to add one quick thing to that, because this kind of just goes back to the customer service side of things. Right, it's like if somebody calls in and they say to you, hey, I'm closing on a home tomorrow. Well, sometimes it's tomorrow, but I'm closing on a home and I need insurance. The first question out of our mouths is not well, do you have a car too? Can we get it all at once? I mean it's let's take care of the need, let's car too. Can we get it all at once? I mean it's let's take care of the need. You know, let's get you across the finish line for what you want first.

Speaker 2:

Right Cause, I know, when you call these 1-800 numbers, they start, they give you this giant survey and they start asking you all these questions about all the other things and you're like, well, wait, I don't need that right now. I mean so we, we try to win them over and give them some love through quoting them for what they need first. And then, obviously, later on, we're like hey, if you left us enough for your home, did you know we also do the other things. So you know we're, we're not going to be a pushy, we're not a pushy sales people agency Like that's not what people are going to get when they call us.

Speaker 1:

Yeah, I love that, I love that. And Kevin, your um, your wifi was a little bit um, it was a little choppy. So I just want to make sure that everybody, you know I don't know if it's just my connection or not, but regardless, I just want to make sure that you know I fully understood. So, if someone calls in, I know you had someone that called in that they're closing today on a house and they needed, you know they called you yesterday, they're closing today, needed insurance, and so you know, your first question was like okay, have they had the wind mitigation report and things like that, which I know are things that are very important in Florida, those are not things that we deal with here in Ohio. So I love that you guys are there, you know, you know all of those items.

Speaker 1:

But then I guess my next question is you know, on the news, you know everyone is talking about insurance and you know, on the news, you know everyone is talking about insurance and you know all the top stories are like no one, everybody's leaving Florida because nobody can get insurance there and insurance companies are dropping people left and right. And so you know, I'd love to kind of hear from you because you're there and you're in the insurance industry. Could you help kind of set the record straight? Like you know, is there still insurance being written in Florida?

Speaker 3:

Yeah, I mean definitely. I mean we're definitely in Florida. I mean, like Brian said, sometimes, yes, our only option is I see that coming less and less, we are having more options. I see that coming less and less, we are having more options. Just the other day that Heritage Insurance Company is actually going to start writing again and they haven't written a policy in two years. So the markets are definitely changing. So I definitely see that. You know it's getting better. They got new, they're doing the depopulation with citizens where they're taking citizens policies away from less policies to citizens, which that's what we all want. So, yeah, it's, sometimes citizens is the only option, like we said, but options out there now than there were before.

Speaker 1:

Yeah, well, that's good to know, because you know a lot of clients that I have that want to purchase something down there, whether it's they're relocating or they want, like, a vacation home or they want to, you know, an Airbnb or whatever. Like they're, you know, scared to death. Because all they're hearing is, oh, you can't get insurance there and you know, because of the hurricane, like it affected this and that and you know, so now nobody's getting insurance and I, you know, and it always just blows my mind that I'm like do you really think that that many people stayed in Florida with no insurance on their house? Like I mean, maybe they did?

Speaker 2:

I don't know, requirement belongs, so obviously you're going to have to add it. Yeah, we hear that. We hear that too From people moving down here. They're like, oh, I didn't want to move down here because I knew that the insurance was going to be so difficult to get and so expensive. And then we send them a quote and they're like, oh, all right, cool, you know, that's how that goes.

Speaker 1:

Well, and I mean, obviously the insurance down there is a little bit different than here, because you have to have, you know, like the hurricane, insurance if you're close to water or like the flood, you know, depending on what flood zone you're in and things like that. You know, obviously there are different things that pertain to people in Florida that wouldn't pertain here, but you know, I'm glad to hear that they are still getting insurance in Florida. Yeah, yes, I love it. So when I am talking with you know, with lenders or with anyone, I always like to say you know, none of us have crystal balls at all, so none of us can truly, truly predict the future. But I'd love to hear from you all about.

Speaker 1:

You know, when I spoke with Brendan Bland of Neighborhood Loans a couple weeks ago, you know I asked him the same thing Like what? You know, what are your predictions for? You know, after hearing all the things that we hear in the news, what are your predictions? And you know he predicted that in September. You know, just like everybody's hearing, that you know interest rates will go down and that's going to open up the market a little bit, and then you know, more than likely, we're going to have another, you know another rate decrease in December, you know, and then likely next year. So you know again, no one can hold him to that. You know that information. That's just his prediction.

Speaker 1:

So I'd love to hear kind of what you guys think, because you obviously have your finger, you know, on the pulse of the insurance industry. I'm sure you hear a lot about, you know the, you know inflation and how that's affecting everything and all of that stuff. So I'd love to hear, like, your predictions of what you think is going to happen with the insurance industry there in Florida, like, is it going to get stronger, is it going to get worse? Is it going to get to the point that no one has insurance in Florida?

Speaker 3:

I mean I'll start off, but Brian can pick up. Definitely see that it's going to get stronger. I know there's more reinsurance for lowering their rate, which is good. That means the actual carriers can get a cheaper rate, so it in turn gives them a better rate to offer it off to their clients. With the Office of Insurance Investments regulations. They like 12 or file for a reduction in premium this year and then, like I said, we're not going to increase, we're going to keep it at zero. So yeah, it's definitely going to be. It's not going to be like every single, you know, every single customer is not, I think, by locations. If you're on the beach and you're one of the prone areas of getting hit by hurricanes, yeah, you're rich, probably going to stay high and they might increase the next year. If you're more in Orlando in this, yeah, you'll probably go lower and stuff like that or stay the same.

Speaker 1:

But 15, that's going to probably take a long time before the whole state sees the decrease and stuff like that yeah, which makes sense, and so, um, just to make sure that I fully understood um, so you're saying that the reinsurance market, uh, is getting, they're lowering their rates, which means they're feeling more stable about things. So, in, in turn, insurance companies are going to be, you know, aligning with that, so, like, the rates may come down, unless you are on the beach, which I would hope that anyone knows that if you're going to live on the beach, you are going to pay a premium.

Speaker 3:

You can pay for it if you want the beach, yeah.

Speaker 2:

Yeah, you pay for it, you know, and so something that the media has done a great job of this year and I say that kind of almost facetiously is they reported about, I'd say about five to six carriers. They basically sent out a couple of, you know, articles saying we got new carriers coming to Florida, and so we got a lot of phone calls on that. And you know the thing about those carriers, which is this is a great trend, by the way, when carriers are moving into our state, we always love to see that. However, they're not open yet for taking on new stuff, right. So the carriers that are coming in, I think there's only one right now, orange Insurance Exchange, that's really writing new things underneath the umbrella of a current carrier that we have. But the other ones, what they're doing is they're actually depopulating policies from citizens. First, they are taking some of those policies and they're letting them sit in their books for a year and they're allowing us to service through them and things like that. What that's going to do is just kind of get their feet wet in Florida. They're not going to, you know. So eventually, down the road, yeah, those carriers, if everything goes great, after speaking to those carrier reps, they all seem to be pretty sure that they are going to start opening to new business at some point, so that's a positive step. So there are five to six carriers that have now opened up in Florida, but again there's like only one that's actually writing new business right now that you can do quotes through. Are there others that you know, maybe kind of sneaking in here and there? And they will be. As far as the current carriers, there are a few that have, like Kevin was saying that, have you know, requested to lower their rates by a certain percentage and we're going to start to see that as long as we can keep hurricane, uh, uh, the hurricane season under control around here. You know, knock on wood, so far it's been all right, you know, this year.

Speaker 2:

But, um, there's also legislation and then that's, that's the biggest piece. You know, um, florida legislators sat around for many, many, many years, um, and really didn't do a whole lot like. I think that maybe they did. You know certain things here and there that they thought were important, but it it led to new laws having to be written in the last couple of years because they realized oh my God, people, are you got roofing companies knocking on people's doors telling people that your roof will. You know your roof's old, but no problem, we'll, we'll file a claim anyway, or you know things like that. So it's, it's there's new laws that have come in, there's new, stricter, stricter things that that the legislation is doing to try to curb that stuff, and that's going to eventually relate to the premiums. I mean, it's not an overnight process at all, so any laws that they put in, it has to, like you know, take its time to come into effect. There's still a lot more work to be done here in Florida, but we are going to start turning a corner.

Speaker 2:

The other, the only other problem is, of course, if we can get inflation down, you know in the country, and of course, the building costs. I mean, look how much it costs for wood. Right, I mean we all. If you're building a house now, it's like it's ridiculous, the cost of materials. So you know that has to get uh, in a lot, in a lot of ways, and kevin would agree that has to get put into that dwelling coverage amount.

Speaker 2:

There is that inflation card that some of these carriers put in every single year so that your dwelling amount, that amount, actually grows with the cost of the materials. So it's going to finally get curved at some point. Hopefully, knock on wood, it's not as bad as what some other people around the country think it is. I still think that people should still move to Florida, you know, people should still give us a chance. It's not that bad, I mean, yes, there are, there are things that aren't great, but you just have to find the right people to help you out and that's and that's ultimately shameless plug. That's why we're here, you know.

Speaker 1:

Yeah, yeah, no, that should be a plug, because that is true and that is why I continue to try and network and surround myself with good people that I can refer to others, because I can't be all things to all people. But I like to, you know, be able to say like, oh, I got a guy for that, I got a guy for that. You know, you need a contractor, I got that. You need an insurance guy, I got that. You know, I got your title all taken care of, like, don't even worry about it, you know. So I love that.

Speaker 1:

And I love that you even touched on inflation, because in a previous episode, a few weeks ago, again with Brendan, we were talking about inflation and one of the things that I found very interesting was that one of the key indicators to the Fed was the fact that McDonald's had reported losses for two quarters in a row and they were like, well, crap, if people can't afford McDonald's, then everything is too expensive and it's like, yeah, no, kidding, I could have told you that, with my four teenagers going to the grocery store, I could have told you that all day long that inflation is very high, but you know. So it's interesting to me, obviously that you know inflation is connected to the Fed and you know the interest rate. It's interesting that it's also attached to you know insurance.

Speaker 2:

Right, exactly, I mean every. I I mean look, every. Everything's tied to inflation these days, you know. I mean it's the cost of everything. Is is kind of symbiotic, I guess in a way. You know insurance is no different and but we do, we can, you know, we do what we can to help each other out. People are still buying homes. I mean the Fed's about to drop, you know hopefully. You know the rates coming soon and I know, crossing fingers we'll see what happens with that and hopefully that gets more people an incentive to buy, you know, new homes and stuff. And what are those people going to need Insurance? So we'll still be here for it, you know.

Speaker 1:

Yeah absolutely Well and it's my understanding and obviously correct me if I'm wrong, but if you live in Florida and you have a loan on your property, you have to have homeowners insurance. If you own it outright you don't have to, but it's always recommended Is that correct?

Speaker 2:

That's correct. Yeah, if you're going through a loan, the lenders require that.

Speaker 1:

Okay, perfect, going through a loan. They require, the lenders require that. Okay, perfect. And that's where, like the wind mitigation and the hurricane protection and the flood zone, that's where your expertise comes in, because you can help. People know like, yes, you absolutely need that, or, goodness, no, you don't need that. Someone is totally, just, you know, selling you a line of crap.

Speaker 2:

Yeah, and, and, quite honestly, one of the things you touched on, the wind mitigation, and then Kevin probably sees this all the time too you don't always have to have a wind mitigation inspection and a four-point inspection on your homes, depending on the age of the home. Those are now old houses. We're not going to make somebody that's got a home that's only five years old go get those inspections. That's the thing you got to, that's a hundred and something, something right. And in the grand scheme of things, if you're buying a house, it's like chump change, right, but every dollar counts. So we're not going to make you go get things that you don't need. I mean, that's just common sense, because on those homes it's just how the rules work out, you know, and the carriers don't require them. So if they don't, why should they? You know, well, I should be, you know.

Speaker 2:

But but yeah, that's when we can look at some of those policies, and especially when somebody is putting on a new roof. You know if they already own the home they put on a new roof, you know, our agents are very keen on letting them know hey, you should be doing certain things in that roof. You know, it's a little bit of an upgrade with the roofing company, but it's going to save you a ton of money on insurance, you know. So putting on how the roof is tied down, for example, you know upgrading that factor you know we're going to. Again, it's all about education. We're going to let people know this is what you need to do, and Kevin does a great job of that every day with his clients, and so does all of our other agents, and you know that's just how they're trained.

Speaker 1:

Yeah, I love that and I love that. It makes sense to me too, only again with my basic knowledge of housing in Florida, but it makes sense that if it was the you know, if it was only five years old, then it's already built to the hurricane standards, that you know like, it's got the correct tie down and you know all of that stuff versus a house that was maybe built, you know, 10, 15 years ago. There were different standards back then and so you know, like you wouldn't now, you just have to make sure that it's been brought up to speed, if I understand correctly, right right, which is, you know, good and bad, but and I think that a lot of people have been scared, but I feel like we may have one more slow busy season and then I think it's going to get back there. That's my prediction, but I'd love to hear, like your prediction, cause you are down there You're dealing with, you know, many more realtors and deals than I am on a daily basis.

Speaker 3:

Yeah.

Speaker 4:

So I've got that unique perspective of having been in Ohio this time last month. Compared to now, ohio is definitely a little bit stronger of a market, but Florida I mean Tampa Bay is still number seven in the country right now. So although it's a little slower, houses are still moving. I can personally tell you listings are going through the roof right now. I do know that some properties are taking a little bit longer. Obviously, the condo market. That'd probably be for a whole other podcast, but that'd probably be another good one. I see Kevin shaking his head.

Speaker 4:

Yeah the condo market's a little different right now. That might be something where we all get together again and just talk about condos and bring some value, but I think the market down here is strong. Sellers just got to be prepared for maybe 30, 60, 90 days to get a home sold. I think the rate decrease will definitely help from the lenders and agents that I'm talking to. Hopefully the Fed doesn't overcorrect too much or else we're going to end up in a little bit of a different area. But I think if they drop the rates here in September, we'll really feel a positive impact, probably around January or February. So, like you said, I think we have one more quarter of slowness before we start heading in the right direction.

Speaker 1:

Yeah, I agree, I think it'll be that much further out from that massive hurricane that you know scared the crap out of everyone, the one that hit, like Fort Myers, bonita Springs area. You know, my, my sister-in-law was. Actually I had two sister-in-laws that were affected. One was in Cape Coral and one was on Bonita beach, so literally her house was destroyed by that hurricane. The 18 foot, you know, storm surge, so you know I knew that scared a lot of people, especially in that Fort Myers, naples, bonita area. But I and so it is very slow, you know, especially in the Cape Coral area I think it's still the last time I checked it had like the most houses on the market for one area in all of Florida. So you know, but it's nice to hear that Tampa Bay is seeing something totally different, you know, cause I'm generally just southwest Florida. So I love your perspective on you know, like Tampa and you know some of the other areas and I like that you are thinking along the same lines. We must have the same crystal ball.

Speaker 4:

I mean, at the end of the day there's there's a lot of panic, and you're right. If you go to Yahoo News right now, I'm sure there's something terrible in there about the housing market, nar, insurance, you name it. Right now, when you have that perfect storm coming together, it's going to slow down a little bit. Kids are going back to school. People don't think about that, they just see houses sitting on the market. Well, people's lives just changed two weeks ago. Kids are back in school. They're adjusting. No, it's going to come back. It's going to be all right. The feds are hopefully going to do Remember, it was supposed to be four rate changes. Now we might just get one. So it'll be all right. And I heard in November there's something fairly big in this country. So you know, we'll see what happens then.

Speaker 1:

Yeah, happens then. Yeah, I mean, I've heard that too. Yeah, it's funny because some news say that it's going to affect everything, and you know gas prices are going to go down and you know all this stuff. And then others are saying that the election has literally nothing to do with anything, and I seem to think that it has a lot more power over things than they let on.

Speaker 4:

Yeah, I would definitely agree and I can only imagine Brian and Kevin sitting with us today are probably pretty interested to see how that goes as well. And you know it affects all of us one way or the other and you know that's a whole different conversation. But there's a lot of things working against our industry right now. But, like I said, I think by January, february, we'll start seeing that path forward and that light at the end of the tunnel. It's not a train.

Speaker 1:

Yeah, I totally agree. I agree. Well, thank you guys so much. I know you guys are all very busy, so I appreciate you taking time out hopping on this call Um. I think we've now created uh, you know at least two or three more um podcasts that we can all get together on Um. Maybe next time I'll just I'll just join you guys in Florida. I love it. I love it. As always, everything will be in the show notes, um, do you guys have social media presence? Okay, perfect. So what I'll do is all um in the show notes there will be links to their social media, how to get ahold of them, their website and all of that information. That way, if you have questions that you know, maybe after listening to this you're like oh man, I've got some questions or you know you need a quote. This is definitely what you do. So thank you so much for tuning in again. Thank you guys for joining me. Make sure that you guys leave a review, because that is the best feedback that you can give, and feedback is a gift. Make sure you're sharing this with people, because that is the greatest compliment that you can give all of us is by sharing this information, because that means that you learned something and you're helping to educate others and make sure that you follow this podcast so you never miss another episode. Thanks so much, and we will see you next time on come to find out thank you, bye, guys bye, thank you thanks everybody.

Speaker 4:

Thanks brian and kevin. Thank you.