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Living in a world where business revolves around technology, cybersecurity has become a more common issue. Studies show the greatest risk for a data breach is employee negligence. “Somewhere between 85 and 95 percent of successful attacks on organizations now stem from phishing,” cybersecurity expert Ross Jordan said. Ross Jordan with High Touch Technologies says phishing is a way for foreign groups or companies to gain private information from a company by targeting the employee usually through email. Scammers have become advanced enough to appear as a person or organization you trust asking for your password or credit card number. “Phishing is something that’s usually sent out by bots. Literally just blasted out to hundreds if not thousands of emails at a time. And they’re hoping for that one na?ve person to follow the link, and when they do, you’re literally opening the doors to the kingdom,” Jordan said. Employees are often tricked because the email contains a reactionary ask telling somebody they need to share personal information right away. “They’re taking advantage of our human nature. And when somebody needs your help, and somebody needs an action from you, you want to respond, you want to do something,” Jordan said. According to Jordan, the best way to prevent these attacks is to train your employees. Commercial General Contractor, Pinkard Construction, is one company leading by example. Technology Manager Eric Schmeer says models that used to be on paper have now become fully digitized using laser scanners, drones and 360 degree cameras. “All of these devices, all this information, it’s all computerized, it’s all digital, it’s all connected to the internet. And so when you’re running these multi-million dollar projects and all that information is digital, it’s really, really important to protect it,” Schmeer said. For that reason, Pinkard Construction takes time to educate its employees on what an attack could look like. “Teach people just the fundamentals about how to analyze an email, and determine whether it looks phishy or not. And what to do when they’re not sure about links and whether they should click them, and how to figure out where they go,” Schmeer said. The company also fosters an environment where employees are encouraged to come forward with questions. “Nobody is ever hesitant to forward an entire technology team here and say ‘Hey is this legitimate? Can I click this link? What’s gonna happen here?’” Knowing you could be just one click away from killing your company, it’s always OK to ask for help. “Just ask. It’s very simple. We’ll be glad to help out,” Jordan said.  2658

Since January of this year, state regulators have approved about 100 rate hike requests involving dozens of property insurers.The insurance regulation office in Florida gave the green light to South Fidelity to raise their rates by about 30%. And regulators okayed a 30% rate hike for Capitol Preferred.Jupiter homeowner Heidi Epstein said her property rates shot up by 50% when her insurer stopped doing business in Florida. Protecting her property will now cost Heidi an additional ,500 a year."In the middle of a pandemic when everyone is not sure what their financials are going to look like, this is not the time to have everything going sky high," she said.The insurance industry blames the 2017-2018 storm season. Hurricanes Irma and Michael caused catastrophic damage and triggered more than billion in claims.Senator Jeff Brandes (R-St. Petersburg) says the storms and rampant lawsuits against insurance carriers are driving the steep hikes in rates."They are filing more and more lawsuits they know some of these insurance companies will settle, and ultimately those costs are passed on to homeowners," he said.Insurance Industry watchdog The Federal Association for Insurance Reform points to thousands of lawsuits filed by contractors. President Paul Handerhan says roofers, plumbers and others solicit homeowners through ads, calls or door knocks and convince them to file an insurance claim. Handerhan described the pitch to homeowners as: "Let us do a free inspection of your roof, let us go inside the property of your home to see if we can find any damages. We will file a claim on your behalf."Brandes says all those claims snowball and lead to premium hikes."You have hundreds if not thousands of people asking for new roofs then all of a sudden rates across the state begin to skyrocket."Pasco County homeowner Linda Cempe got a new roof after contractor Smart Storm Solutions cold-called her about possible storm damage. She said the roofer told her that "other than a minor deductible, the whole cost for the repairs, including the facia and soffits, would be covered."The I-team checked court records and found Smart Storm Solutions filed over 300 lawsuits against insurers, including Linda Cempe's carrier in 2019 alone.Smart Storm Solutions staff attorney Robert MacKinnon says the company will only canvas neighborhoods with known storm damage. He also said the company files cases when insurance companies refuse to pay the full cost of a claim."They are confirmed claims we are arguing over the extent of damages," MacKinnon said.Smart Storm Solutions also sued Larry Kohman's insurance company over his claim after cold calling the homeowner about roof damage.We checked and found court documents showing the Kohmans' insurer settled with Smart Storm Solutions over a year ago. But the contractor never returned to replace the roof."We don't sleep much," Larry said, who explained he and his wife constantly worried about the growing amount of water damage in their home caused by a leaky roof.Smart Storm Solutions' attorney blamed the pandemic for the delay in Kohman's case and apologized, saying the company should have communicated better. After we started asking questions, Smart Storm Solutions replaced the couple's roof.MacKinnon says the lawsuits his company is filing are needed to keep insurers in check and are not part of the rate hike problem.Brandes says insurance rates could double in the next three years over claims and litigation. He says he will propose legislative reform measures that would reduce attorney fees and route some lawsuits into mediation. He's calling on legislative leaders to take action before Florida homeowners face another round of rate hikes that many simply can't afford.Before your next insurance renewal date, shop around for a policy and get multiple quotes. You can also ask to lower your coverage limits and raise your deductible, but it will cost you more if you must make a claim. This article was written by for WFTS. 4028

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Stress and pressure can lead to overeating, but nutritionists say a healthy diet is a better choice for managing what life throws at you. We looked into how nutrition can play a role in helping you rebound from these tough times. “At your physical healthiest that’s going to be the condition that supports your best mental wellness as well,” said University of Arizona Assistant Professor of Nutritional Sciences Ann Skulas-Ray.Skulas-Ray says in times like these, you want to give your yourself what you need. A poor diet is more like giving yourself the flu.“Think about when you are sick, so you have all this inflammation in your body. Have you ever tried to do your best work under those conditions when your whole body is inflamed? It doesn’t work,” Skulas-Ray said.She says the first step is to cut down on the junk. Highly processed foods, refined sugars and corn syrup feel good in the moment, but are not a recipe for long-term happiness.Skulas-Ray says there are a million diets out there, but she says most people can benefit from keeping it simple. Eat more fruits and vegetables, nuts and seeds, and fatty fish.“Omega-3s are a good one, because the brain is actually made out of omega-3s," she said. "They are directly responsible for regulating inflammation in the body.”You also don't have to make drastic life changes overnight. Minor changes over time can go a long way.“Nobody eats a perfect diet, it's just about small changes you make over time,” she said. “And you should feel good about each incremental improvement.” This article was written by Brian Brennan for KGUN. 1616

Its 5:30 p.m. and most of the 20 and 30-year-old students in this class have just come here from a day at work. But now, they’re here to learn the basics of buying auto insurance.It’s part of a unique initiative called the 236