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Top Ten Insurance Tips for Hurricane Season

2020 is predicted to be an active hurricane season. Don’t be caught unprepared! These steps will help you minimize hurricane damage and get back on your feet if you are struck. Just as hurricanes come in many shapes...

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Flood damage: is my home covered? Part 2

Would flood insurance cover seepage of water into my basement? It would in certain circumstances. An NFIP policy covers the “unusual and rapid accumulation or runoff of surface waters....” So, if there is no surface...

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Flood damage: is my home covered?

Is my home insured for damage that may result from flooding caused by a hurricane or other storm? Not necessarily. Generally, coverage provided by a standard homeowners policy does not include damage caused by flooding...

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5 Things Homeowners Need to Know in Preparing for Flood Season

5 Things Homeowners Need to Know to Prepare for 2020’s Flood Season Flood season is upon us. According to the National Oceanic and Atmospheric Administration, this flood season promises to be a wet one, with 23 states...

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Questions that homeowners may have about their property-loss claim following a catastrophic event

Your property insurance covers many events that can cause damage to your property. Unfortunately, not every event is covered. Earthquakes, floods and power blackouts are examples of events typically excluded without...

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It might be time to spring clean your insurance

Spring may be the time of year for cleaning out closets and drawers and organizing attics and cellars, but it also is a great time to clean up your insurance coverages. It is important to look at your insurance...

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Flooding Will Double Worldwide by 2030

A new World Resources Institute report found that 147 million people will be hit by floods from rivers and coasts annually by 2030, compared with 72 million people just 10 years ago. Damages to urban property will...

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Hurricanes and Flood....Oh My!!!

According to H. Jackson Brown Jr., “the best preparation for tomorrow is doing your best today.” At our agency, we strive to do our best to help you prepare for your tomorrow-especially if your tomorrow includes a...

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Above Normal Hurricane Season Projected

An atmospheric scientist at Colorado State University, Dr. Phil Klotzbach, has issued an early forecast of 16 named storms, eight hurricanes and four major hurricanes for the year 2020. He predicts an above average...

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Attention Builders: New Freeboard Requirement Effective January 2021

The objective of the Community Rating System (CRS) is to recognize communities that are doing more than meeting the minimum NFIP requirements to help their citizens prevent or reduce flood losses. The CRS also provides...

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FEMA Extends Grace Period for Payment of National Flood Insurance Policy Renewals due to COVID-19 Pandemic

The Standard Flood Insurance Policy (SFIP) provides that the term of the policy commences on its inception date and ends on its expiration date. To avoid a lapse or reduction in coverage, a National Flood Insurance...

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Are You Covered?

When it comes to protecting the things that matter most to you-your home, your jewelry, your life-it’s important that you consider what types of insurance will cover you best, and you need to know ahead of time the...

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What is the Most Common Natural Disaster in the U.S.?

The answer is flooding. If your home sustained damage due to a flood, would you have coverage? You might be thinking-of course I would have coverage. I have a homeowners policy. You aren’t alone in thinking that, but...

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House Introduces Bipartisan Bill to Address Reptitive Loss Properties

Bipartisan legislation, the Repeated Flooded Communities Preparation Act, was introduced in the House of Representatives last week in an attempt to address repetitive loss properties covered by the National Flood...

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