Épisodes

  • Water. Water. Everywhere: Flood vs Water Damage

    Water. Water. Everywhere: Flood vs Water Damage
    Feb 9 2026
    Is flood damage covered by homeowners’ insurance, or do you need a separate flood policy? The answer isn’t always clear. In this episode of The Risk Rundown, Julie and Tyler tackle one of the most frequently asked insurance questions: flood vs. water damage. They explain how insurance policies define each type of loss, why nearly 40% of flood claims occur outside high-risk flood zones, and how events like hurricanes, wildfires, and heavy rainfall can lead to unexpected flooding — even far from the coast. You’ll learn: • The difference between flood damage and water damage • Why being outside a flood zone doesn’t mean you’re risk-free • Common causes of water losses inside the home • How private flood insurance differs from NFIP coverage • Practical steps homeowners can take to reduce water-related losses
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    16 min
  • Why Your Luxury Home May Be Underinsured: Understanding True Replacement Cost

    Why Your Luxury Home May Be Underinsured: Understanding True Replacement Cost
    Jan 12 2026
    What does it really cost to rebuild a luxury home after a total loss? Willy Hammond joins Julie and Tyler to break down one of the most misunderstood areas of high-net-worth insurance—replacement costs. This episode covers: • The difference between market value and replacement cost • How renovations, custom features, and technology upgrades increase rebuild costs • How often high-net-worth homeowners should reassess property values • The importance of content documentation, appraisals, and inventories • Common loss scenarios—including water damage—that result in the most expensive claims • Risk mitigation tools insurers increasingly require, such as automatic water shutoff systems From rising construction material costs and labor shortages to understanding why many homeowners are unknowingly underinsured, this episode explains how to ensure your properties are adequately insured to value before a loss occurs.
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    14 min
  • 'Tis the Season for Risk: Holiday Hazards You May be Overlooking

    'Tis the Season for Risk: Holiday Hazards You May be Overlooking
    Dec 8 2025
    The holiday season brings a unique blend of celebration and risk. In this short episode, Julie and Tyler discuss some of the most common overlooked holiday hazards and some practical tips to protect your homes, valuables, and families during the holidays.
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    12 min
  • Life Insurance Myths, Triggers, and Truths

    Life Insurance Myths, Triggers, and Truths
    Nov 10 2025
    Life insurance is never one-size-fits-all. And for high-net-worth clients, it is much more nuanced than obtaining a standard employer policy. In this episode, Alliant Private Client’s Life Insurance Practice Leader, Steven Glick, speaks with Julie and Tyler about how understanding which real-life events — from starting a family to selling a business — can shape coverage and support high-net-worth family, business, and legacy goals.
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    13 min
  • Insurance Horror Stories: When risk turns scary

    Insurance Horror Stories: When risk turns scary
    Oct 28 2025
    What happens when real risk goes unprotected? Julie and Tyler tell some real insurance horror stories and share the eerie but true tales and situations that can turn into nightmares for HNW clients.
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    12 min
  • Growing Pains

    Growing Pains
    Oct 6 2025
    As children step into independence through each stage of life—particularly during their teens and college years—parents face new insurance risks that can still impact the whole family. Julie Rison and new co-host, Tyler Banks, discuss common exposures tied to growing children including: driving, renting, social gatherings, and even digital behavior. Listen in as they share tips on when young adults should get their own coverage, how parents can stay protected, and why proactive conversations are key to managing risk during this transition.
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    16 min
  • The Hidden Risks in Today’s Luxury Insurance Market

    The Hidden Risks in Today’s Luxury Insurance Market
    Sep 8 2025
    High-net-worth households face rising risks from luxury homes in disaster zones to valuable assets like vintage cars and private staff. With insurance non-renewals on the rise, resilience is critical. Kama Moseley joins Julie Rison to discuss how today’s affluent families can protect their luxury assets in an unpredictable world.
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    12 min
  • Generational Perspectives on Risk

    Generational Perspectives on Risk
    Aug 11 2025
    Today’s high-net-worth individuals face new exposures, from luxury collectibles to online visibility. Emily Zobian and Alex Goldfarb join Julie Rison to discuss how modern wealth demands a smarter approach to risk management and asset protection.
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    10 min