HORSE CRAZY

08/26/2024

Underwriting Restrictions
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Montana - Sharrott Creek Fire (2489)
Effective date and time: 8/26/2024 9:00am | Last modified: 8/26/2024 7:57:38 AM | Posted: 8/26/2024 8:57:38 AM

Status:

Restricted

Products affected:

Property: All Products
Casualty: Antique Auto, Modified Auto, Marine, Motorcycle, Motorhome, ORV, Travel Trailer

All currently restricted ZIP codes or counties:
59833
59870
59875
Description:
The Montana Sharrott Creek Fire is burning four miles west of Stevensville, Montana. Structures are threatened and evacuations are in effect.

08/23/2024

August 28, 1808 The first corn was ground at Beck’s Mill in Washington County. Settlers from nearby Pigeon’s Roost were some of the first to come to the mill.

08/23/2024

Underwriting Restrictions
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Wyoming - Constitution Fire (2486)
Effective date and time: 8/23/2024 10:10am | Last modified: 8/23/2024 9:09:55 AM | Posted: 8/23/2024 10:09:55 AM

Status:

Restricted

Products affected:

Property: All Products
Casualty: Antique Auto, Modified Auto, Marine, Motorcycle, Motorhome, ORV, Travel Trailer

All currently restricted ZIP codes or counties:
82716
82717
82727
82731
Description:
The Wyoming Constitution fire is burning 17 miles north of Gillette, Wyoming. Structures are threatened and evacuations are in effect.

08/22/2024

Dani Tippmann is a Miami Native American, descended from Takumwah, and Chief Richardville and is a citizen of the Miami Tribe of Oklahoma.

Her knowledge of plants has been collected over the years from tribal members and elders, including her mother, aunts and elder tradition bearers. She speaks about traditional Native plants used in storytelling, food, medicine and technology and about traditional Myaamia lifeways, culture and history. Dani completed a Bachelor of General Studies at Indiana University in 2002 as an adult returning student.

Dani has been recognized by Arts United of Greater Fort Wayne and Traditional Arts Indiana as an Allen County Folklife Scholar for cultural leadership in 2022. She was honored as an Eiteljorg Museum of Native and Western Art – Artist in Residence in 2012, 2014, 2015 and 2023. She was honored with the Indiana Heritage Fellowship Award from Traditional Arts Indiana.

She serves the Miami Tribe of Oklahoma as the Kiihkayonki Community Food Program Director in the Fort Wayne, Indiana area.

What does being a Taproot Fellow mean to you in your practice and community?
Modern Americans think of time as a river passing by. Myaamia people tend to think of time as a pond with rocks dropping in as events. Small pebbles create small ripples and effects, while large events create large ripples which affect us greatly throughout time. Forced removal from our homelands was a huge boulder, creating horrible ripples in our lives that are felt even today. Receiving a Taproot Fellowship will create big positive ripples for me and the Myaamia people into the future.

Being a Taproot Fellow is a prestigious honor for me because it honors the people who came before me, who honored our shared heritage of plant knowledge. It gives an opportunity to future Myaamiaki/Miami people to learn our shared culture for a bright future.

08/21/2024

Washington - Stayman Fire (2479)
Effective date and time: 8/21/2024 7:45am | Last modified: 8/21/2024 6:48:37 AM | Posted: 8/21/2024 7:48:37 AM

Status:

Restricted

Products affected:

Property: All Products
Casualty: Antique Auto, Modified Auto, Marine, Motorcycle, Motorhome, ORV, Travel Trailer

All currently restricted ZIP codes or counties:
98816
98817
98831
98843
98858

Description:
The Washington Stayman Fire is burning north of Stayman, Washington in Chelan county. Structures are threatened and evacuations are in effect.

08/16/2024

August 18, 1920 The 19th Amendment was ratified by the United States Congress, giving women the right to vote.

08/15/2024

Washington – Williams Mine Fire (2478)
Effective date and time: 8/15/2024 10:15am | Last modified: 8/15/2024 9:18:17 AM | Posted: 8/15/2024 10:18:17 AM

Status:

Restricted

Products affected:

Property: All Products
Casualty: Antique Auto, Modified Auto, Marine, Motorcycle, Motorhome, ORV, Travel Trailer

08/12/2024

ok, starting up Marion County Horse and Pony again, starting in October. Still in planning phase. If you are interested, or if you have any questions, or if you were involved in the past, please, reach out to me. We need all the help we can get. But I am excited. The horseless program with judging and hippology will probably be larger than the horse program and that is okay. The kids need this. Please, share

08/09/2024

August 11, 1810 William Henry Harrison met with Shawnee Chief Tecumseh at the governor’s home in Vincennes. Tecumseh expressed his disapproval of a recent treaty, which gave the U.S. a large tract of Native American land in Central Indiana.

08/05/2024

August 4, 1823 Oliver Hazard Perry Throck Morton, first Indiana born man to hold the office of Indiana Governor, born in Salisbur

08/05/2024

Hosting an open house is a great way to increase exposure for a home you have on the market. But it’s important to avoid mistakes that can cost unnecessary time and money. Here’s what you should know:

Here are must-know tips to host a successful open house event. Learn the benefits of open houses along with essential tips to keep you safe.

07/29/2024

Underwriting Restrictions
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Oregon - Limepoint Fire (2450)
Effective date and time: 7/29/2024 10:30am | Last modified: 7/29/2024 9:31:59 AM | Posted: 7/29/2024 10:31:59 AM

Status:

Restricted

Products affected:

Property: All Products
Casualty: Antique Auto, Modified Auto, Marine, Motorcycle, Motorhome, ORV, Travel Trailer

All currently restricted ZIP codes or counties:
97834
97840
97842
97846

Description:
The Limepoint fire is burning near Cuprum ID. Structures are threatened and evacuations are in effect.

Reminder: Company initiated restrictions on binding authority do not relieve the agent of the responsibility to comply with the underwriting guidelines, which includes the suspension of binding authority during a period of impending disaster whether specifically mandated by the company or when based on the agent's own awareness of an area of impending disaster. Audits may be conducted on randomly-selected files to ensure compliance.

All restrictions are put in place by Staff Underwriting at Foremost Insurance Company

Please refer to your underwriting rules for information regarding new business and endorsement activity. A message will be posted to this site when binding authority is restored in the areas mentioned above.

07/27/2024

Symphony on the Prairie

07/27/2024

Spreading Risk in Dangerous Waters
In the late 1600s, shipping was just beginning between the New World and the Old, as colonies were being established and exotic goods were ferried back. The practice of underwriting emerged in the same London coffeehouses that operated as the unofficial stock exchange for the British Empire. A coffeehouse owned by Edward Lloyd, later of Lloyd's of London, was the primary meeting place for merchants, ship owners, and others seeking insurance.
2

A basic system for funding voyages to the New World was established. In the first stage, merchants and companies would seek funding from the venture capitalists of the day. They, in turn, would help find people who wanted to be colonists, usually those from the more desperate areas of London, and would purchase provisions for the voyage.

In exchange, the venture capitalists were guaranteed some of the returns from the goods the colonists would produce or find in the Americas. It was widely believed you couldn't take two left turns in America without finding a deposit of gold or other precious metals. When it turned out this wasn't exactly true, venture capitalists still funded voyages for a share of the new bumper crop: to***co.

After a voyage was secured by venture capitalists, the merchants and ship owners went to Lloyd's to hand over a copy of the ship's cargo manifest so the investors and underwriters who gathered there could read it.

Those who were interested in taking on the risk signed at the bottom of the manifest beneath the figure indicating the share of the cargo for which they were taking responsibility (hence, underwriting). In this way, a single voyage would have multiple underwriters, who tried to spread their own risk by taking shares in several different voyages.

By 1654, Blaise Pascal, the Frenchman who gave us the first calculator, and his countryman Pierre de Fermat, discovered a way to express probabilities and better understand levels of risk. That breakthrough began to formalize the practice of underwriting and made insurance more affordable.

07/26/2024

Texas - M5.0 Earthquake - 13 Km NNE Of Hermleigh (2447)
Effective date and time: 7/26/2024 11:15am | Last modified: 7/26/2024 10:22:09 AM | Posted: 7/26/2024 11:22:09 AM

Status:

Restricted

Products affected:

Property: All Products
Casualty: Travel Trailer

All currently restricted ZIP codes or counties:
76945
76949
76951
79330
79351
79356
79370
79501
79502
79506
79511
79512
79516
79517
79518
79520
79525
79526
79527
79528
79532
79534
79535
79536
79537
79540
79543
79545
79546
79548
79549
79550
79553
79556
79560
79561
79562
79563
79565
79566
79603
79606
79720
79721
79738

Description:
A magnitude 5.0 earthquake occurred 13 km north-northeast of Hermleigh, Texas. If over the subsequent 72 hours there have been no aftershocks of 5.0 or greater, notification will be sent lifting the restriction.

07/26/2024

uly 30, 1964 Vivica A. Fox, American actress (Kill Bill: Vol. 1), born in South Bend, Indiana.

07/26/2024

July 28,1945 Jim Davis American cartoonist and creator of the comic strips "Garfield" and "U.S. Acres", born in Marion, Indiana.

07/25/2024

Underwriting Restrictions
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California - Park Fire (2441)
Effective date and time: 7/25/2024 8:30am | Last modified: 7/25/2024 7:35:15 AM | Posted: 7/25/2024 8:35:15 AM

Status:

Restricted

Products affected:

Property: All Products
Casualty: Marine, Motorhome, ORV, Travel Trailer

All currently restricted ZIP codes or counties:
95926
95927
95928
95929
95938
95942
95954
95967
95969
95973
95976
96055

Description:
The Park Fire is burning near Chico CA. Structures are threatened and evacuations are in effect.

07/19/2024

July 25, 1948 Carl Erskine of Anderson, began his major league pitching career with the Brooklyn Dodgers. He spent his entire career with the Dodgers and helped the team win five pennants. He set a World Series record with 14 strikeouts in a single game.

07/19/2024

Underwriting Restrictions
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Oregon – Battle Mountain Complex Fire (2425)
Effective date and time: 7/19/2024 9:15am | Last modified: 7/19/2024 8:19:38 AM | Posted: 7/19/2024 9:19:38 AM

Status:

Restricted

Products affected:

Property: All Products
Casualty: Antique Auto, Modified Auto, Marine, Motorcycle, Motorhome, ORV, Travel Trailer

All currently restricted ZIP codes or counties:
97836
97856
97868
97880
Description:
The Battle Mountain Complex fire consists of two fires, the North Fore Owens, and the Snake Fire, near Ukiah, Oregon. Structures are threatened and evacuations are in effect.

07/17/2024

Underwriting Restrictions
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Idaho – Texas Fire (2418)
Effective date and time: 7/17/2024 10:15am | Last modified: 7/17/2024 9:14:11 AM | Posted: 7/17/2024 10:14:11 AM

Status:

Restricted

Products affected:

Property: All Products
Casualty: Antique Auto, Modified Auto, Marine, Motorcycle, Motorhome, ORV, Travel Trailer

All currently restricted ZIP codes or counties:
83535
83537
83541
83823
83871
Description:
The Texas fire is burning two miles east of Kendrick, ID. Structures are threatened and evacuations are in effect.

07/12/2024

July 15, 1921 The legislature created the Indiana Motor Vehicle Police, the first agency to have statewide jurisdiction to enforce state laws. The organization evolved into today's Indiana State Police.

07/10/2024

Underwriting Restrictions
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Oregon - Larch Creek Fire (2401)
Effective date and time: 7/10/2024 8:25am | Last modified: 7/10/2024 7:26:51 AM | Posted: 7/10/2024 8:26:51 AM

Status:

Restricted

Products affected:

Property: All Products
Casualty: Antique Auto, Modified Auto, Marine, Motorcycle, Motorhome, ORV, Travel Trailer

All currently restricted ZIP codes or counties:
97021
97037
97063

Description:
The Oregon Larch Creek wildfire is burning north of Tygh Valley, Oregon. Structures are threatened and evacuations are in effect.

07/08/2024

July 11,1906 Harry Von Zell, radio announcer and actor The George Burns and Gracie Allen Show, born in Indianapolis.

07/08/2024

Binding restrictions
July 08, 2024

Texas

Due to Hurricane Beryl in Texas, writing new business, making endorsements, or changing limits on existing policies may be unavailable in affected areas. In accordance with our Product Guide, Physical Damage Coverage for Personal Auto, Commercial Vehicle, Motorcycle, Motorhome and Recreational Vehicle and all Coverage for Boats may not be written, reinstated, or otherwise bound in any area where there's an active weather watch or warning. This includes a hurricane, fire, flood, or tropical storm watch, warning or occurrence.
Louisiana

Due to Hurricane Beryl in Louisiana, writing new business, making endorsements, or changing limits on existing policies may be unavailable in affected areas. Property coverage for Home, Condo, Dwelling Fire, Renters and BOP may not be written, reinstated, or otherwise bound in any area where there's an active weather watch or warning. This includes a hurricane, fire, flood, or tropical storm watch, warning or occurrence.

06/21/2024

poison oak time, again. Every year for my birthday, lightning bugs and poison oak. Yeah!!!

06/21/2024

June 27, 1859 Heavy rains caused the collapse of a railroad bridge near South Bend. The Night Express train plunged into the water with 150 passengers on board. The death toll was placed at over 40 with many more injured.

06/21/2024

June 24, 1901 Chuck Taylor, American Basketball Hall of Fame promoter (Converse All Star shoes), born in Azalia, Indiana.

06/19/2024

Underwriting Restrictions
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Select a restriction
Texas - Potential Tropical Cyclone One **MODIFICATION 1** (2376)
Effective date and time: 6/19/2024 9:00am | Last modified: 6/19/2024 1:00:00 AM | Posted: 6/17/2024 6:45:16 PM

Status:

Restricted

Products affected:

Property: All Products
Casualty: Antique Auto, Modified Auto, Marine, Motorcycle, Motorhome, ORV, Travel Trailer

All currently restricted ZIP codes or counties:
Aransas
Brazoria
Calhoun
Cameron
Jackson
Kenedy
Kleberg
Matagorda
Nueces
Refugio
San Patricio
Willacy

New restricted ZIP codes or counties:
Brazoria, Jackson, Matagorda

Removed ZIP codes or counties:
None

Description:
Potential Tropical Cyclone has appeared in the Gulf of Mexico and tropical storm warnings are in effect. The center location is currently at 22.7 N, 93.8 W with maximum sustained winds of 40 mph. It is moving WNW at 8 mph. The storm is projected to make landfall sometime Thursday and is not projected to be stronger than a tropical storm.

Revision History
---------------- 6-19-2024 9:00am EDT ----------------

RESTRICTED ZIP CODES OR COUNTIES:
Aransas, Brazoria, Calhoun, Cameron, Jackson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy

ADDED ZIP CODES OR COUNTIES:
Brazoria, Jackson, Matagorda

REMOVED ZIP CODES OR COUNTIES:
None

---------------- 6-17-2024 9:00am EDT ----------------

RESTRICTED ZIP CODES OR COUNTIES:
Aransas, Brazoria, Calhoun, Cameron, Jackson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy

ADDED ZIP CODES OR COUNTIES:
Brazoria, Jackson, Matagorda

REMOVED ZIP CODES OR COUNTIES:

06/18/2024

Unintentional actions are the leading cause of outside fires. Community residents need to keep fire safety in mind when enjoying summer vacations, camping, family reunions, grilling and the Fourth of July.

Help your community to prevent outdoor fires. Share these safety tips to keep residents fire safe while enjoying outside activities.