Additional coverages keep you afloat after a flood

aerial-view-of-flood

Ongoing patterns of severe weather mean homeowners and business owners have experienced everything from record snowfalls and tornadoes to recurring storms with wind, hail and record amounts of rainfall – all leading to a record number of flooded homes and businesses.

Water claims under personal or business insurance contracts can be confusing and easily misunderstood, and standard insurance does not cover everything.


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After the storm: What do I do next?

homes-damaged-by-tornado

The storm has passed and your family is safe. You took all the necessary precautions such as having an adequate supply of drinking water and a flashlight. You may have even purchased a generator to ensure uninterrupted electricity in the event of a power outage. The steps you take next are equally important in keeping your family safe and presenting a claim in the event there is damage to your home, auto or personal property. Your first priority should always be addressing safety concerns: Pay attention to the possibility of[…..]


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Stay alert for vehicles damaged by Hurricane Sandy

flooded-car

The counts vary, but it has been estimated 225,000 to 300,000 vehicles sustained flood damage as a result of Hurricane Sandy. What happened to those vehicles? In some case, unscrupulous opportunists bought them for pennies on the dollar. The vehicles were dried out, shined up and offered for resale for hundreds — sometimes thousands — less than the fair market value. Good deal? Maybe, if you don’t mind the vehicle’s mechanical, electrical or safety systems potentially (more like probably) failing at any time.


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Post-flood boiler recovery can present hazards

Focus on safety when recovering equipment after a loss.

The recent flooding in Colorado demonstrates the importance of being prepared. If your business includes boilers or electrical equipment, there are things you can do to minimize a loss from flood damage. First, consult with an insurance professional to discuss the needs of your particular business before any loss occurs, concentrating on the “best practice” steps necessary to help you recover safely.


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