Articles by Patrick Wraight

Patrick Wraight, CIC, CRM, AU, is director of Insurance Journal's Academy of Insurance. He can be reached at pwraight@ijacademy.com.

Finding the Missing Pieces in the Condo Insurance Coverage Puzzle

Have you ever watched someone try to finish a jigsaw puzzle with pieces missing? There are still a few hundred pieces to place, but there is one open space in the middle of a grove of trees that beckons to …

You Bought Insurance For What?

Have you ever gotten an email with the subject line “You Need Search and Rescue Insurance”? Yeah. I hadn’t either; until last week. Seems we have an adventurer in our office and he has what he calls search and rescue …

How About a Real NFIP Renewal for Once

I wanted to write something this week about some piece of policy minutia. I had about 500 words written when I realized that it wasn’t going to happen. So, I set that aside and gave in to what was really …

A Reason We Speak Insurance – It’s What We Read

I think I get it now. Everything is starting to make more sense than ever before. Sorry, maybe I should catch you up on my thoughts. I’ve been wondering why it is so hard to read insurance policies. And why …

The Condo Coverage Puzzle

Have you ever watched someone try to finish a jigsaw puzzle with pieces missing? There are still a few hundred pieces to place, but there is one open space in the middle of a grove of trees that beckons to …

Should you care about deductibles?

The deductible is such a familiar part of insurance that everyone thinks that they know everything about them. Yet, our customers have a different perspective on them. Our customers think that the deductible is just a way for us to …

I’m moving. What about my stuff? Part 2.

Last week, we talked about how my move impacts my renters insurance. If you missed that one, you can read it here. We still need to talk about what happens while it’s on the move. Now that I’m thinking about …

I’m moving. What happens if my stuff gets damaged?

It’s moving week. That’s right. We are taking on the monumental task of moving our home. This isn’t new to my family. My wife and I have been married over 25 years and haven’t lived in one house for longer …

Please Stop Speaking Insurance

There are a lot of reasons that consumers don’t like insurance. Sorry, but you know that it’s the truth. If you think about it from before your insurance days, you already know why people don’t like to buy insurance. They …

Holiday Policy Language – Freedom Edition

Today is July 4th and as the old riddle says, yes, every country has the Fourth of July, but only the US celebrates it as Independence Day. If you’re reading this on Wednesday, get back to the grill, kids, picnic, …