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You probably think you have "full coverage." David Flaig has heard that phrase thousands of times—and it almost never means what people think it means.

For over 23 years, David has been the insurance guy on the Peninsula, helping families and businesses navigate the complicated maze of policies, fine print, and those middle-of-the-night questions like "should I file a claim for this or not?" As the founder of Flag Insurance Services in San Mateo, he's built his practice  ...