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The Importance Of Flood Insurance

The Importance of Flood Insurance

On Friday September 14, 2018 the east coast of the US was once again hit with a catastrophic hurricane which caused massive amounts of property damage to thousands of homeowners. While some of the damage sustained by Hurricane Florence was due to wind, the majority of the damage was due to catastrophic flooding caused by…

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Flood Insurance & Water Damage – What You Need To Know

Are you aware that a homeowner’s insurance policy does not cover a flood loss? And did you know that water damage to your home is not always covered by flood insurance? Before deciding whether or not to purchase flood insurance, there are a few things you should know.

What’s the difference between flooding and water damage?

Generally speaking, a flood occurs when water covers ground that is normally dry, and subsequently finds its way into your home. Water damage, on the other hand, occurs when water enters your home as a result of damage to the home.

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Should I Purchase Insurance Directly, Or Should I Buy Insurance Through an Independent Agent/Broker?

 Some claim, and direct writers like Geico and Progressive would surely like you to believe, that it is better and less expensive to purchase “Personal Lines” of insurance (homeowners, automobile, umbrella liability, motorcycle, etc.) through them directly instead of through an independent agent/broker.

After over 45 years in the business, we’ve seen why purchasing insurance through a direct writer is a mistake for most people.

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