Sawyer Donnell, Get EC Insurance

06/03/2026

My idea of operating as a Public Adjuster and an Insurance Agent is simple. Once upon a time, a majority of people trusted their insurance company to do the right thing when the most important aspect of insurance began, the claim. I want to bring some of that old time business back to the table.

Most people trusted Statefarm to cover damages when justified, and they trusted them for 20 years or more! Same can be said for so many other carriers. USAA has become increasingly difficult, following in Statefarms footsteps. Allstate is absolutely terrible. And so on.

In my Public Adjusting business, where I fight them regularly to pay even the simplest of claims, I am constantly educating the agents on what the policy does or does not pay for. I can't count how many clients I've had say, "my agent says that's not covered" or, "my agent says the insurance company won't talk to you if you hire a Public Adjuster."

All these silly things which result from a lack of training, and conspiracy theory says that lack of training is done on purpose. To avoid paying reasonable claims, or, minimizing those claims to under deductible.

Anyway, I can rant about this for hours
And sometimes we do! I do a ton of training with a team of lawyers, other agents, adjusters, contractors, and even carrier side lawyers and adjusters multiple times a year. We all rant about it.

Thanks for coming to my Insurance rant.
Check out the original post and read the news from State farm about the Agents commission. A good commission is what made a great agent. They would always take care of you because they got paid to do so....that might change.

Many State Farm agents said they feel angry and betrayed by the Bloomington-based company.

05/12/2026

From my Public Adjusting world, we see these seemingly minor issues show up in very big ways when it comes to claim time.

Insurance may not be the largest expenses you will have per year. But it is supposed to protect nearly everything you own. From your smallest mementos to your big toys and your largest expense, your house.

You don't want to skimp on this. I can't count how many claims I've had to turn down because the policy was so cheap and didn't cover hardly anything.

It's one thing to save money now, but it may cost you when you actually need to use the policy.

As a broker, I have a lot of flexibility to build good insurance plans. Maybe we increase your deductible to $50,000 or more on your home or business location to save you some money on that premium. At the same time, we can setup a deductible reimbursement policy to bring that back down to $5000, a much more manageable number. Ensuring you have the coverage when it's needed even though the primary policy might say, "your claim is approved, but it is under the deductible."

Now, with that deductible reimbursement policy kicking in, you've got enough to get the roof done. And to top that off, maybe you upgrade to a class 4 shingle or a metal roof through a reputable contractor, and save another 25-50% on your primary policy.

Planning for the long term like the examples above, can work in your favor and dramatically lower your overall expenses, of done thought fully. It pays to have experience in your pocket.

Why Doesn’t My Dwelling Limit Match My Home’s Market Value?

A lot of homeowners assume the amount listed for dwelling coverage should match what their home could sell for on the market. In reality, those two numbers are often trying to measure two very different things.

Market value is influenced by factors like the neighborhood, school district, lot value, and local real estate demand. Dwelling coverage, on the other hand, is generally meant to reflect what it could cost to repair or rebuild the home itself if there were a covered loss. That means the insurance number is usually focused more on construction costs than resale value.

This is why two homes with similar market values can have very different dwelling limits, and why a home in a hot real estate market may still have a dwelling limit that looks lower than its sale price. The reverse can also happen. Sometimes the cost to rebuild can be higher than what the home might sell for, especially when labor, materials, debris removal, and construction costs are high.

The bigger takeaway is that homeowners should not judge their coverage by real estate value alone. A house is sold in one market, but it is rebuilt in another.

04/03/2026

Quick quotes, quickly apply. No need to chat with a sales rep unless you want to. And I'll be happy to help.

04/03/2026

I'm not here to sell you. But to educate you of the possibilities. With one requirement: You must have a long term mindset to appreciate these types of plans.

Most people think of life insurance as a "one and done" policy. But if you’re a homeowner, a parent, or a business owner, your needs aren't static—they change as your life grows.

As you can see in the video below, In less than 2 minutes, you can quote yourself across dozens of top-rated carriers like Mutual of Omaha, Prudential, and MassMutual, and even apply the moment you find the right fit.

Quote yourself on your own time here: 🔗 https://getecinsurance.com/ #/

Here is how we use these tools to build a "no-holes" defense for our clients:

1. The Mortgage Protection (30-Year Term)
In the video, I ran a simple 30-year term. For roughly $30–$40 a month ($400–$500/year), you can ensure that even if you aren't around to help with the bills, your family stays in their home. It is the most cost-effective way to lock in peace of mind for the duration of your mortgage.

Maybe you don't need 30 or 40 years? We have options from 40 years all the way down to 10. With only a few years left of your mortgage, just get a very cost effective 10 year and feel free to cancel it once your mortgage is fully paid.


2. The College Layer (Convertible Term)
While College is the primary example used by most agents(for a good reason, it's expensive!)
We often layer a $250,000 Convertible Term policy (10–20 years) on top of mortgage protection. This ensures the college fund is there no matter what. Or, money is available for whatever the family or kids see fit at the time.

Once the kids are off to college, you have a unique power. You can transfer that temporary coverage into Permanent Coverage with cash value savings features.
No Underwriting: You do this without a new medical exam. Remember, your health in 20 years is a wildcard; this feature locks in your "younger self" insurability for the length of the policy. So now you are 55 or 60 and ready to convert the policy into a potential supplemental income stream for retirement. You don't have to worry about medical exams because we all know how things change near that retirement age.

3. The Business Growth Layer ($1M+ Term)
If you are an entrepreneur taking on a $500k or $1M loan to scale your business, you cannot leave that debt to your family or partners. High-limit term policies can act as a safety net for your business debt, ensuring your family or partners are not burdened not only with your loss, but not a huge financial loss.

As an independent broker, I don't work for one carrier. I shop a massive network of providers—including Nationwide, New York Life, Transamerica, and Pacific Life—to find the best coverage for the best dollar. I’m not a commission chaser; I’m a risk architect.

Don't sail a ship with holes in the hull. Plan today so your family and business can thrive for decades to come.

👇 Run your own 2-minute quote and see how affordable protection can be:
🔗 https://getecinsurance.com/ #/

If you want to discuss building a long term plan to make sure insurance covers all your endeavors, book a meeting and we can dive into much more detail:
https://calendly.com/sawyer-getecinsurance/30min?month=2026-04

04/03/2026

Licensing Bonds, Court Bonds, Construction Bonds, and more available here: 🔗 https://getecinsurance.com/ #/bond

For the more complicated Court Bonds, here is a brief educational bit about how they work. They are built to protect both sides. And these often come up in Estate handling procedures if the courts have to get involved.

In the legal world, a promise isn't always enough—the court often requires a financial guarantee. Whether you are appealing a judgment or stepping into a role as a protector of an estate, a Court Surety Bond is the mechanism that ensures you fulfill your responsibilities as ordered by the law.

1. The Appeal Bond
If you are pursuing an appeal after a lower court verdict, the court wants to know the funds are ready if the judgment is enforced. An Appeal Bond guarantees that the Principal will pay the amount of the judgment, plus costs and interest, if the verdict stands.

The Exoneration: If the verdict is overturned and vacated, the bond is exonerated.

The Risk: If the judgment is upheld, the bond ensures the capital is there to satisfy the original verdict immediately.

2. Probate – Guardianship
When an individual is appointed by the court to administer the affairs of a minor or a person unable to care for themselves, the court requires a guarantee of "faithful performance." This bond protects the vulnerable party from mismanagement, ensuring that the appointed guardian acts with total integrity.

3. Probate – Fiduciary or Executor
Administering the finances of an estate as outlined in a will or trust is a massive responsibility. If a person dies without a named executor, the court appoints one.

The Fiduciary Duty: This bond guarantees that the executor handles the assets exactly as directed.

The Beneficiaries: While the court is the named Obligee, these bonds exist to benefit anyone with an interest in the estate’s assets.

Don't let a bonding requirement stall your legal progress or estate administration.

Secure your court bond or find the bond structure that fits your specific legal requirements at the most competitive rate.

🔗 https://getecinsurance.com/ #/bond

Personalized coverage for your home, auto, business, and life. Experience the difference of a dedicated agent vs. a call center.

02/20/2026

🍽️ Is Your Restaurant Protected for Every Course? Read more if you are shopping insurance for your food & beverage biz.

Running a restaurant is a labor of love, but one kitchen fire, guest injury, or equipment breakdown can put your hard work at risk. You focus on the menu; let us focus on the "what-ifs."

We offer comprehensive, all-in-one coverage designed specifically for restaurants, bars, and taverns. From your first hire to your grand opening and beyond, we provide straightforward protection that grows with your business. Policies are flexible, and customizable. No need to be drastically over insured if you are not expecting to expand this year or next.

And you absolutely do not want to be underinsured.

So, What’s on the Menu?

General Liability: Coverage for guest injuries, foodborne illnesses, or unexpected allergic reactions.

Property & Equipment: Protection for your building, kitchen equipment, and business personal property.

Liquor Liability: Essential protection for establishments serving alcohol.

Workers’ Compensation: Keeping your people safe on the job.

Loss of Income: Helping you keep your money where it belongs if operations are interrupted.

Why Work With a Broker?

Tailored Fits: Mix and match coverages to meet your specific needs, whether you're a pop-up or fine dining.

Simplified Billing: One policy, one bill, and one point of contact.

Fast Quotes: Get a bindable quote in minutes so you can get back to the kitchen.

Ready to protect your business today and as it grows? Book a call or text me and we can get you a quote asap: https://calendly.com/sawyer-getecinsurance

I'll provide more details on the numbers in the comments.

02/18/2026

We finally got a upgrade that can change an insurance strategy dramatically: Deductible Reimbursement Coverage up to $1 million with little to no underwriting. Due diligence beyond, up to $100 million in TIV.

Why your 5% wind deductible is a 100% loss for your business.

As a claims specialist, I’ve seen the same heartbreaking scenario play out a hundred times: A property owner suffers a major event, files a claim, and then realizes their "protection" is an illusion. The deductible kicked in at a whopping 10% of the TIV and not just the claimed amount. TIV is your total insured value. Well, the total value might be a $30 million, when the claim it's self is only $2 million. Your deductible just ripped you a new one.

For many, that means the claim is "wiped out" before it even starts. You aren't just sharing the risk; you're bearing the entire burden. This is the "Death by a Thousand Cuts"—where one storm stops your recovery in its tracks because you don't have the liquid capital to bridge the gap.

The strategy now, thanks to the changing market across the globe is The Premium Offset.
Sophisticated owners are now raising their primary deductibles to slash their primary premiums, then using those savings to fund a Deductible Buy-Back. In our scenario above, that $3 million deductible ain't so bad anymore.

Real-World Example: We recently moved a healthcare facility from a $190,000 exposure down to just $10,000 for a fraction of the cost.
~Their wind/hail and hurricane deductible is $190,000. In one hurricane event, they sustained $225,000 worth of damage. That deductible just created a huge hole in their pocket they now have to look for other means to fill without the deductible coverage.

Thanks to the new policy, for $10,200/year, that deductible dropped to $10,000. If we had it back then for the hurricane, that would've been $215,000 to put towards the rebuild instead of the $35,000 from the real life incidient.

🏗️ Why It Matters for Your Portfolio:
It's real simple, Protect Liquidity: Keep your cash for operations, not for insurance "gap" reserves.

Level Your Risk: Standardize your net retention across different geographies, from coastal Florida to inland Texas. With private flood insurance well into the millions, umbrellas, and these flexible deductible reimbursement strategies, you can have a rock solid protection plan.

Don't let a "waiting period" or high deductible turn a minor disruption into a permanent loss. I've seen it many times over handling claims as a Public Adjuster. Multi million dollar operations, washed away.

Don't let a deductible be the reason you can't rebuild. Protect your liquidity. 🛡️

Interested? Book a call here, quotes are quick and very flexible:
https://calendly.com/sawyer-getecinsurance

01/31/2026

STOP RELYING ON A $250,000 CAP TO PROTECT YOUR COASTAL PROPERTY. 🌊🏠

If you have a standard FEMA (NFIP) flood policy, your coverage for your structure is legally capped at $250,000. In today’s market, that isn't a safety net—it’s a massive financial liability.

It’s time to move past the "One Size Fits All" government plan.

We've got options for private flood insurance, to completely cover those assets with beautiful sunset views. Hotels, Condo's, Apartments, or that Rental property portfolio you built up, there is real coverage available for all of it.

✅ LIMITS UP TO $7 MILLION: Don't get stuck with a $250k cap. Get coverage that actually reflects the replacement cost of your asset.

✅ TEMPORARY LIVING EXPENSES: FEMA won’t pay for your hotel or meals while your place is being rebuilt. Our private options do.

✅ NO 30-DAY WAITING PERIOD: We can often get you covered in 10 days or less. FEMA makes you wait a full month.

✅ POOL & BASEMENT COVERAGE: Protect your entire property, including the "luxuries" the government excludes.

I’ve spent 7 years in the claims world seeing exactly how these "coverage voids" destroy families and businesses financially. I don't just sell policies; I make sure your insurance plan has no leaky holes in it.

Reach out if you are interested in learning more about this kind of coverage for your water side assets.
https://calendly.com/sawyer-getecinsurance/30min?month=2026-01

11/25/2025

Health Insurance options - Here is your link giving you direct access to multiple carriers—for both government-subsidized and private Health Insurance Plans. Shop your own way.

Your advantages using this link:

✅ See ALL Your Options: Shop ACA/Marketplace and Private Health plans side-by-side.

✅ Compare & Customize: Find the right network and deductible that fits your budget or provides the most coverage.

✅ Shop on Your Schedule: Quote and apply on your own time, with my professional advice always available.

Why deal with one company when you can compare them all? Sometimes you don't need all the extra amenities. You are healthy, and just need catastrophic coverage. Those options are available for you here. As a plus, you'll have access to me as an agent to clarify any questions you may have, double check your coverages, or walk you through the entire process if you want. Or, let me know your budget, what kind of plan you want( bronze, silver, or gold) and I can shop for you.

Start enrolling faster with HealthSherpa, the largest ACA quoting and enrollment platform for agents and agencies.