From the category archives: Insurance Protection Blog

Flood Insurance

Water Water Everywhere

post image In the last week, the weather has been delightful. 60 degree temperatures and sunshine over the holiday weekend have resulted in the snow melting and the ground becoming muddy and saturated.  Soon spring rains will come and add more water to the mix. The only unfortunate aspect of the spring thaw is that it is also Flood Season. The months of March, April and May are usually the months that the insurance industry receives the most claim filings for flooding. And per the National Flood Insurance Program, 25% of claims are filed by people who live outside of high risk areas. Between 2010 and 2015 the average flood claim in the United States was over $51,000. A few inches of water in your basement, garage, first level of your home can lead to thousands of dollars’ worth of damage and repair.   Below are the special risks that present themselves in spring.  Thaw -  April showers bring May flowers … But those showers can sometimes be heavy rain. There is at least ...
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Now that Hurricane Hermine has blown out to sea …

post image Storm paths are unpredictable.  Insurance client’s reactions to storms are very predictable.  The good thing about a hurricane or other weather phenomenon approaching is that it causes people to re-examine and reconsider their current insurance policies and their possible needs.  Do I have the right insurance? Do I have enough insurance? What happens if I need to use my insurance? It’s good for people to be shaken up a bit, because it causes them to reevaluate. So I thought it would be an excellent time for a quick update on floods, hurricanes, and wind, (oh my!) Does Homeowners Insurance cover damage from a hurricane? There is no singular insurance policy that can cover all the possible scenarios of damage that a hurricane can cause to your property, your house and your belongings. Most damage that happens during a hurricane is related to wind damage or flood. Your individual Homeowners Insurance should cover lost shingles, trees that toppled onto buildings, total destruction, ...
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The difference between dry possessions and a soaked home is simply a couple of inches.

post image June 1st is less than 20 days away …. a little over two weeks. To many people, June is a month filled with flowers, weddings and graduations. Open the pool, spark up the grill, count the days until vacation, these are all good things.The downside of June is that it is also the beginning of the Atlantic Hurricane Season, which extends from June 1st through November 30th. It has been a few years since Sandy and Irene; and more than a decade since Hurricane Katrina. Over time, people tend to quickly forget and move on from these events. Life becomes business as usual and the memory of the catastrophe seems to soften. So I am imploring you to consider talking to your insurance agency about the importance of Flood Insurance; now, this minute, immediately. I have personally witnessed the devastation that can occur to families that have had to deal with flash floods, clogged municipal sewer systems, and 14 days of driving endless rain. The horror of watching the water creeping slowly towards the house and t ...
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Spring is coming, so is the flooding

post image I know you are probably sitting in your home right now, reading my blog while curled up by the fire, or enjoying a cup of piping hot coffee, bracing yourself to head out into the late winter temperatures. President’s Day weekend we had record low temperatures in the New York Tri-State Area. Two Sundays ago  the outdoor reading on the thermometer was -7 (with a real feel temperature of -27) …. But although it does not seem like it sometimes, Winter will be winding down shortly, and the warmth of spring and the strong rays of the sun will make everyone feel a lot better. The only unfortunate aspect of the spring thaw is that it is also Flood Season. The months of March, April and May are usually the months that the insurance industry receives the most claim filings for flooding. And according to the National Flood Insurance Program, 25% of claims are filed by people who live outside of high risk areas. Between 2008 and 2012 the average flood claim in the United States was over $41,000. A ...
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Flood Insurance, are you prepared?

Assisting you, our clients, before, during and after a catastrophe is one of the most valuable services we, as an insurance agency, can offer you.  September is national preparedness month.  Our team at Warwick Resource Group Insurance wants to make sure you and your family are prepared... Therefore, we have developed a Disaster Emergency Center on our Digital Insurance Office website.  You can visit our Disaster Center by clicking here, and sign up to receive alerts and other important information related to natural disasters, winter storms, etc. As we well know, NY and NJ are not immune to flooding. Heading into the heart of hurricane season, Warwick Resource Group wants to make sure you have the protection you need to weather the storm season. Did you know that flood protection is not covered in your homeowners and/or commercial property insurance policy? A lot of consumers are not aware that their policy covering their property, does not cover for flood. According to Wikipedia, on ...
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