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	<title>Griffin-Owens and Associates &#187; Personal</title>
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	<description>Your Resource For All Your Insurance Needs</description>
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		<title>Hurricane Season is Heating Up!</title>
		<link>http://griffinowens.com/2010/08/27/hurricane-season-is-heating-up/</link>
		<comments>http://griffinowens.com/2010/08/27/hurricane-season-is-heating-up/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 20:07:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>
		<category><![CDATA[Homeowners Insurance]]></category>
		<category><![CDATA[Hurricane damage]]></category>
		<category><![CDATA[Hurricane Insurance]]></category>
		<category><![CDATA[Insurance for storms]]></category>
		<category><![CDATA[Insurance review]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=1037</guid>
		<description><![CDATA[There are three storms in the Atlantic as of today.  (Take a look for your self: http://www.stormpulse.com) The first one, Danielle, looks as if it will turn North before it hits the Eastern seaboard.  However, there are more coming.  Now may be a good time to review your homeowners insurance.  Most people get a contract [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>A Flood of Questions about Flood Insurance</title>
		<link>http://griffinowens.com/2010/08/17/is-flood-insurance-worth-the-money/</link>
		<comments>http://griffinowens.com/2010/08/17/is-flood-insurance-worth-the-money/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 21:01:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>
		<category><![CDATA[FEMA]]></category>
		<category><![CDATA[flood insurance]]></category>
		<category><![CDATA[Flood zones]]></category>
		<category><![CDATA[Maps]]></category>
		<category><![CDATA[value]]></category>

		<guid isPermaLink="false">http://www.griffinowens.com/blog/?p=384</guid>
		<description><![CDATA[FEMA has redrawn the maps and there are many significant changes to the flood zones.  If you think you need it, it would be smart to buy it before someone tells you that you need it.  Often, existing flood insurance policyholders are "grandfathered in" with their original policy ratings based on the original flood zone determination.  The difference in rating could save you thousands of dollars.  To see Fairfax County's flood map click HERE.]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Storms Slam the Area; Home Fire in Herndon</title>
		<link>http://griffinowens.com/2010/08/06/storms-slam-the-area-home-fire-in-herndon/</link>
		<comments>http://griffinowens.com/2010/08/06/storms-slam-the-area-home-fire-in-herndon/#comments</comments>
		<pubDate>Fri, 06 Aug 2010 16:09:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>
		<category><![CDATA[Herndon fire]]></category>
		<category><![CDATA[Homeowners Insurance]]></category>
		<category><![CDATA[insurance claims]]></category>
		<category><![CDATA[Storms]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=980</guid>
		<description><![CDATA[Yesterday our area was rocked with 70mph winds, 1 and a half inches of rain and lightning, all within about 2 hours in the afternoon.  A house in my neighborhood was struck by lightning and the entire roof and much of the top floor were severely damaged.  Fortunately, no one was injured.  Because the homeowner was [...]]]></description>
		<wfw:commentRss>http://griffinowens.com/2010/08/06/storms-slam-the-area-home-fire-in-herndon/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>The Earth Is Moving! Are You Covered??</title>
		<link>http://griffinowens.com/2010/07/16/the-earth-is-moving-are-you-covered/</link>
		<comments>http://griffinowens.com/2010/07/16/the-earth-is-moving-are-you-covered/#comments</comments>
		<pubDate>Fri, 16 Jul 2010 14:00:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>
		<category><![CDATA[earthquake insurance]]></category>
		<category><![CDATA[Homeowners Insurance]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=901</guid>
		<description><![CDATA[I posted this article earlier this year.  With the recent earthquake in our area, I felt it would be worth re-publishing.  The core message is that earthquakes happen and when they do they damage property.  Most people who own homes do not carry earthquake coverage.  It can be added to your homeowners insurance for 10%-20% [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>“Gap’s” in Coverage</title>
		<link>http://griffinowens.com/2010/07/14/gaps-in-coverage/</link>
		<comments>http://griffinowens.com/2010/07/14/gaps-in-coverage/#comments</comments>
		<pubDate>Wed, 14 Jul 2010 19:14:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[claims settlement]]></category>
		<category><![CDATA[gap insurance]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=928</guid>
		<description><![CDATA[Everyone loves a new car.  The feel of the ride, the smell of the interior and look of the fresh paint.  Unfortunately, according to most auto valuation services, as soon as you drive that new car home it has lost between 10% and 20% of it&#8217;s value.  If, you financed the entire value of your [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Health Insurance and the Freedom to be Unhealthy</title>
		<link>http://griffinowens.com/2010/06/14/health-insurance-and-the-freedom-to-be-unhealthy/</link>
		<comments>http://griffinowens.com/2010/06/14/health-insurance-and-the-freedom-to-be-unhealthy/#comments</comments>
		<pubDate>Mon, 14 Jun 2010 18:25:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Increased Helath insurance premiums]]></category>
		<category><![CDATA[Smoking]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=921</guid>
		<description><![CDATA[As we consider health insurance reform and the increasing costs of health care, we also need to talk about personal responsibility.  In a country that values freedom, we need to decide where one person’s right to live an unhealthy life ends and another persons right to pay reasonable health care premiums begins.   If you are [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Park Here $10</title>
		<link>http://griffinowens.com/2010/06/04/park-here-10/</link>
		<comments>http://griffinowens.com/2010/06/04/park-here-10/#comments</comments>
		<pubDate>Fri, 04 Jun 2010 20:03:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[home business]]></category>
		<category><![CDATA[Homeowners Insurance]]></category>
		<category><![CDATA[parking lot]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=914</guid>
		<description><![CDATA[I was driving through town and noticed that many residents are opening up their yards as parking lots during the Herndon Festival.  On the surface it seems like a great idea for picking up a few extra bucks, but what if someone&#8217;s car is damaged while it is parked on your property?  What if someone [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You Don&#8217;t Have to be a Millionaire to be Sued Like One</title>
		<link>http://griffinowens.com/2010/04/23/you-dont-have-to-be-a-millionaire-to-be-sued-like-one/</link>
		<comments>http://griffinowens.com/2010/04/23/you-dont-have-to-be-a-millionaire-to-be-sued-like-one/#comments</comments>
		<pubDate>Fri, 23 Apr 2010 20:13:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[law suit]]></category>
		<category><![CDATA[Personal Umbrella Insurance]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=903</guid>
		<description><![CDATA[The statistics regarding car accidents are stunning. On the average, there are over 6 million car accidents in the United States every year, resulting in 3 million injuries, 2 million of which are permanent. Finally, car accidents are believed to cause upwards of 40,000 deaths per year. Auto accidents are also the leading cause of [...]]]></description>
		<wfw:commentRss>http://griffinowens.com/2010/04/23/you-dont-have-to-be-a-millionaire-to-be-sued-like-one/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Just Say No To Waivers</title>
		<link>http://griffinowens.com/2010/02/26/just-say-no-to-waivers/</link>
		<comments>http://griffinowens.com/2010/02/26/just-say-no-to-waivers/#comments</comments>
		<pubDate>Fri, 26 Feb 2010 19:39:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=890</guid>
		<description><![CDATA[I often get asked by clients who are involved in a claim settlement if they should sign a waiver for the insurance company who is settling their claim.  A waiver is a legal document that usually states that you, the claimant agrees to waive all future rights to recover from the other party in your claim and [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>No Snow Days!</title>
		<link>http://griffinowens.com/2010/02/13/no-snow-days/</link>
		<comments>http://griffinowens.com/2010/02/13/no-snow-days/#comments</comments>
		<pubDate>Sat, 13 Feb 2010 17:53:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=823</guid>
		<description><![CDATA[Working for Griffin-Owens means that you don&#8217;t get a &#8220;Snow Day&#8221;.  When the weather turns bad and threatens our clients property and safety, that&#8217;s when we get to work.  However, the challenge of having 3 feet of snow on the ground with un-plowed parking lots and side streets presented us with a real problem.  Fortunately, [...]]]></description>
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		<slash:comments>0</slash:comments>
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