The 2019 Hurricane Season begins on June 1st, and our agency wants to remind consumers that now is the time to check and see if your homeowners, renters, or business insurance policy is sufficient enough to cover the potential damage this hurricane season could bring.
Residents who live in coastal counties face the most danger when a hazardous storm or hurricane strikes. However, as we have seen the last two years, people living inland could face heavy rain, very strong winds, and even flooding.
It is recommended you contact our agency to check in on your homeowners, business, or flood insurance policy. Remember, flood insurance policies take 30 days to go into effect.
There are several steps to take if you decide to purchase an insurance policy this hurricane season:
When atmospheric conditions are right, tornadoes can strike with little warning and cause grave amounts of damage in a very short time. These tips can help minimize your risk and keep you and your family safe.
What is a tornado?
A tornado—also known as a twister—is a violently rotating column of air that extends from a thunderstorm and comes into contact with the ground. Tornado intensity is measured by the Enhanced Fujita (EF) scale, which rates tornadoes from 0 through 5, based on the amount and type of wind damage.
How common are tornadoes?
An average of about 1,000 tornadoes are reported nationwide each year. Twisters are more common in the central United States, though they can occur almost anywhere in North America, including in large cities.
Tornadoes can happen at any time of year or at any time of the day or night, though they happen most frequently between early spring and July, and between the hours of 4pm and 9pm.
What are the warning signs of a tornado?
Signs that a twister is coming include:
In communities with a history of tornado activity, there may be a tornado warning siren and/or a digital messaging system to alert residents that there is a twister coming and that they should seek proper shelter immediately.
What's the difference between a tornado watch and a tornado warning?
Both tornado watches and tornado warnings are issued by the National Oceanic and Atmospheric Administration (NOAA)/ National Weather Service. However, there are critical differences between the two alerts.
Fighting Auto Insurance Fraud
Fraud always plagues the insurance sector while insurance consumers often view the problem far less seriously. There is a similarity with how individuals view tax fraud. Regardless any justification, many feel that “cheating” on taxes or insurance claims may be acceptable because they consider both as unnecessary and unwelcome financial burdens.
However, insurance fraud victimizes both insurance companies and their customers, saddling both groups with substantial, measurable costs.
You can help reduce the rising cost of insurance by reporting suspected insurance fraud to our agency. We’ll make sure to put you in touch with folks who will investigate the situation for you.
Essentially insurance is offered on a package basis, meaning that there is coverage for physical property as well as protection against the legal and financial consequences of injuring others or damaging property that belongs to others.
Property Coverage - Typically a boatowners policy covers:
Items and situations that aren’t covered include boating property that is used in business activity, losses that involve races or competitions (an exception is made for sailboats) and boats that are used, full-time, as residences.
Liability Coverage - Besides protecting boating property, a boatowners policy also responds to claims or lawsuits caused when another person is injured, and /or when another person’s property is damaged or destroyed. An example would be a collision where the owner of a large speedboat collides with a person on a jet ski, seriously injuring the rider and demolishing the jet ski. The policy would handle both portions of such a loss. The liability portion would also provide a legal defense against lawsuits.
Another important coverage under the liability section is medical payments. This provides reimbursement for, typically, emergency or immediate medical treatment expense. Consider a person who slips on a boat deck and needs transportation to an emergency for treatment of a broken bone or concussion. Such costs would qualify under medical payments.
As is the case with property coverage, there are liability situations that are NOT covered by a boatowners policy, including losses that involve business activity, transmission of communicable disease, unauthorized operation of boating property, intentional acts, and criminal activity.
Boating property is a substantial investment and boatowners coverage is an efficient, affordable way to guard against accidental losses.
Did You Know?
Flooding is the most common natural disaster in the United States, affecting every state. Flooding can be caused by storms, dams or levees breaking, new development changing how water flows above and below ground, snow-melt and much more.
Do You Need Flood Insurance?
Here are some important facts to keep in mind:
Our agency can help you understand more about this important coverage. Stop by or call … we’re here for you!
If you have just married or will soon, you are likely facing some complex insurance decisions. Getting smart about the insurance implications of combining lives and households can help you secure "happily ever after," and perhaps even save money. To get smart about insurance together without tearing each other apart, you need resources.
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