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	<title>Griffin-Owens and Associates</title>
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	<link>http://griffinowens.com</link>
	<description>Your Resource For All Your Insurance Needs</description>
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		<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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		<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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		<title>The &#8220;Price Gun&#8221; and other Deceptive Sales Practices</title>
		<link>http://griffinowens.com/2010/02/03/the-price-gun-and-other-deceptive-sales-practices/</link>
		<comments>http://griffinowens.com/2010/02/03/the-price-gun-and-other-deceptive-sales-practices/#comments</comments>
		<pubDate>Thu, 04 Feb 2010 00:07:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=793</guid>
		<description><![CDATA[&#8220;You get way you pay for&#8221;.  That&#8217;s it.  These famous words have lived as a part of our vocabulary for as long as anyone can remember.  Another one is &#8220;If it sounds too good to be true, it probably is&#8221;.  Recently, a major insurance company has been selling the idea that it&#8217;s customers can name [...]]]></description>
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		<title>Resolve to Get More for Less in 2010!</title>
		<link>http://griffinowens.com/2010/01/04/resolve-to-get-more-for-less-in-2010/</link>
		<comments>http://griffinowens.com/2010/01/04/resolve-to-get-more-for-less-in-2010/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 21:32:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=724</guid>
		<description><![CDATA[Normally, I reserve this space to write about insurance issues that effect the general public.  I like to think of it as a public service and try not to promote our agency or our companies too blatantly.  But, today I must make an exception.  The reason is that we are in a unique position to offer [...]]]></description>
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		<title>Holiday Hours and Services</title>
		<link>http://griffinowens.com/2009/12/19/holiday-hours-and-services/</link>
		<comments>http://griffinowens.com/2009/12/19/holiday-hours-and-services/#comments</comments>
		<pubDate>Sat, 19 Dec 2009 16:09:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=717</guid>
		<description><![CDATA[Saturday, December 19:  The office will be closed because of the snow. 
During holiday hours Nationwide policyholders can reach Nationwide by calling our office and selecting prompt 5.  You will be able to make payments and changes to your policy.  You can also access your accounts on line at www.mynationwide.com .  If you have a claim, you [...]]]></description>
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		<title>&#8216;Tis the Season&#8230;</title>
		<link>http://griffinowens.com/2009/12/11/tis-the-season/</link>
		<comments>http://griffinowens.com/2009/12/11/tis-the-season/#comments</comments>
		<pubDate>Fri, 11 Dec 2009 20:42:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=714</guid>
		<description><![CDATA[With the cold weather and the holidays often comes the increased risk of suffering a homeowners loss due to fire or freezing pipes.  Now is the time to turn off the water to those water faucets on the exterior of your home.  During prolonged periods of sub freezing weather the water trapped in those pipes [...]]]></description>
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		<title>What Happened to My Car!!!</title>
		<link>http://griffinowens.com/2009/11/03/what-happened-to-my-car/</link>
		<comments>http://griffinowens.com/2009/11/03/what-happened-to-my-car/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 15:29:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=704</guid>
		<description><![CDATA[Have you ever parked your car in a shopping center parking lot only to return to find that your car was damaged while you were shopping?  It can be very frustrating and it is important to know how your car insurance can respond to these kinds of losses.  There are three very different coverages on [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Not All Homeowners Policies Are Created Equally</title>
		<link>http://griffinowens.com/2009/10/20/not-all-homeowners-policies-are-created-equally/</link>
		<comments>http://griffinowens.com/2009/10/20/not-all-homeowners-policies-are-created-equally/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 13:55:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=698</guid>
		<description><![CDATA[There are few topics that are more boring to most people than the contractual differences between one homeowners insurance policy and another.  Unless, you have just suffered a loss and discovered that you don&#8217;t have the right coverage or you don&#8217;t have enough coverage.  Not all homeowners policies are the same.  Different companies will offer [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>So Dumb, Only a Caveman Would Do It</title>
		<link>http://griffinowens.com/2009/09/29/so-dumb-only-a-caveman-would-do-it/</link>
		<comments>http://griffinowens.com/2009/09/29/so-dumb-only-a-caveman-would-do-it/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 21:08:08 +0000</pubDate>
		<dc:creator>jgriffin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[Claims]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[insurance value]]></category>
		<category><![CDATA[Internet based sales]]></category>
		<category><![CDATA[Professional Agents]]></category>
		<category><![CDATA[Service]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=686</guid>
		<description><![CDATA[Technology has given us many opportunities and access to many resources.  However, there are limits to what you want to attempt on the internet.  For example, if you were really sick, you would not seek treatment from a computer based process on the internet.  Even though you might be able to gain some insight to [...]]]></description>
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		<title>Do You Know Who Covers Your Contractor?</title>
		<link>http://griffinowens.com/2009/09/08/do-you-know-who-covers-your-contractor/</link>
		<comments>http://griffinowens.com/2009/09/08/do-you-know-who-covers-your-contractor/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 19:59:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[Contractors]]></category>
		<category><![CDATA[Homeowners Insurance]]></category>
		<category><![CDATA[workers compensation]]></category>

		<guid isPermaLink="false">http://griffinowens.com/?p=626</guid>
		<description><![CDATA[Many homeowners use the warm months of the year to work on home improvement projects. Some projects are just a little too big for the average homeowner so we call upon local professionals to help us out.   Most homeowners don&#8217;t realize that they need to ask their contractors for proof of insurance before allowing work [...]]]></description>
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