The Nick & Nick Podcast

Matt Guzinski w/ Farm Bureau Financial Services

24 min · 28. apr. 2026
episode Matt Guzinski w/ Farm Bureau Financial Services cover

Description

Nick hosts Matt Guzinski from Farm Bureau Financial Services for an in-depth discussion about the insurance landscape and storm damage claims. Matt, a 26-year veteran agent who built his business from scratch, shares valuable insights about navigating today's challenging insurance market and the proper process for handling storm damage claims. * How insurance premiums have doubled in recent years due to increased storm frequency and inflation * The impact of cosmetic damage exclusions and roofing schedules that many homeowners don't understand * Farm Bureau's unique "one deductible per occurrence" policy that can save thousands during multi-property storm damage * Why wood shake roofs are driving premiums sky-high and how replacing them can cut costs by 75% * The step-by-step process homeowners should follow when filing storm damage claims * How to choose reputable local contractors versus storm chasers * Why filing legitimate weather claims won't increase your individual rates * The importance of annual insurance reviews to understand changing coverages Resources mentioned: Farm Bureau Financial Services, RBC investments, xactimate software, Nebraska Department of Insurance website, Royalty Roofing and Siding CHAPTERS * (00:00:00) - Crown Your Home * (00:00:32) - Farm Bureau President speaks * (00:01:00) - Farm Bureau Insurance: Commercial and Farm Insurance * (00:03:55) - Nebraska Farm Bureau Insurance Interview * (00:06:47) - Farm Bureau: Do Homeowners Know What Their Insurance Coverage Includes? * (00:08:49) - Farm Bureau Insurance: Wood Shakes Roof * (00:12:39) - Wood Shakes vs. Synthetic Shingle * (00:14:56) - Hail Damage Claims Process * (00:19:44) - How to Get Your Property Back on-Forecast * (00:21:13) - Nick: Ultimately, claims affect us all. So directly or indirectly, it affects rates

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episode Matt Guzinski w/ Farm Bureau Financial Services artwork

Matt Guzinski w/ Farm Bureau Financial Services

Nick hosts Matt Guzinski from Farm Bureau Financial Services for an in-depth discussion about the insurance landscape and storm damage claims. Matt, a 26-year veteran agent who built his business from scratch, shares valuable insights about navigating today's challenging insurance market and the proper process for handling storm damage claims. * How insurance premiums have doubled in recent years due to increased storm frequency and inflation * The impact of cosmetic damage exclusions and roofing schedules that many homeowners don't understand * Farm Bureau's unique "one deductible per occurrence" policy that can save thousands during multi-property storm damage * Why wood shake roofs are driving premiums sky-high and how replacing them can cut costs by 75% * The step-by-step process homeowners should follow when filing storm damage claims * How to choose reputable local contractors versus storm chasers * Why filing legitimate weather claims won't increase your individual rates * The importance of annual insurance reviews to understand changing coverages Resources mentioned: Farm Bureau Financial Services, RBC investments, xactimate software, Nebraska Department of Insurance website, Royalty Roofing and Siding CHAPTERS * (00:00:00) - Crown Your Home * (00:00:32) - Farm Bureau President speaks * (00:01:00) - Farm Bureau Insurance: Commercial and Farm Insurance * (00:03:55) - Nebraska Farm Bureau Insurance Interview * (00:06:47) - Farm Bureau: Do Homeowners Know What Their Insurance Coverage Includes? * (00:08:49) - Farm Bureau Insurance: Wood Shakes Roof * (00:12:39) - Wood Shakes vs. Synthetic Shingle * (00:14:56) - Hail Damage Claims Process * (00:19:44) - How to Get Your Property Back on-Forecast * (00:21:13) - Nick: Ultimately, claims affect us all. So directly or indirectly, it affects rates

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