Water damage is when your home, building and/or its contents is impaired by water coming through a leaking roof, from a broken pipe, or from a backup of a drain or sewer line. Most “special risk” homeowners and building policies cover this type of water damage.
It’s likely your Thanksgiving traditions are well underway as you finalize your travel plans, begin tackling your shopping list, pull out decorations, and extend the guest list last minute. Unfortunately, not everyone’s festivities will go without disaster, but there are ways you can prepare for what could go wrong. Here are three incidents you’ll want to avoid:
We spend so much time perfecting our costumes and piling up the candy bowl in preparation for Halloween that we often overlook the hazards that come with it. With 41 million kids estimated to go trick-or-treating this year, it’s going to be a busy night. Here are three common occurrences you’ll want to make sure you’re protected from ahead of time:
I’m writing this article in response to the terrible damage that Hurricane Florence left behind. It’s hard to have perspective when buying flood insurance because most of the country isn’t located within a flood zone. When a hurricane is bearing down on you, it’s easy to say you want the coverage, but the real time to decide is now. This is why:
Do you remember that time you were walking to the store, finishing up your errands? The clouds began to circle you, as you realized that you forgot to bring your fancy umbrella. Suddenly, it begins to pour. Perhaps a little rain never hurt anyone, but an insurance claim that surpasses your primary coverage may.
It’s likely you’ve told yourself you need life insurance every time you see it advertised. Then you begin to research it, and the act of actually getting it seems like a pain (plus, who wants to think about death). Or, maybe you have a small amount of life insurance through your work benefits. You suspect it’s not a great deal nor enough coverage, but haven’t taken the time to look into it. I’m here to tell you: Stop putting it off!
There are a lot of aspects of insurance that New Yorkers, and those in the entire Tri-State area, commonly overlook when it comes to protecting their homes and businesses. It’s worth taking a deeper look into your policy to confirm you’re covered for specific risks if you fall into any of these categories:
When purchasing insurance, or any service for that matter, it’s important to understand who you’re dealing with and where their primary responsibilities reside. The same applies when establishing a (hopefully) long-term relationship with an insurance professional you’re entrusting to help protect you and your family against life’s risks. So, who can you trust?