Flood Insurance

clock September 10, 2020 comments No Comments flowchart Flood InsuranceHomeowners InsuranceOur Blog tag

Flood insurance may seem like an unnecessary coverage, but nothing could be further from the truth. Let’s debunk the myths and discover why this valuable coverage is an essential tool that protects you from significant financial loss. Myth #1 – Home, Renter, & Business Policies Cover Flooding False – standard policies typically exclude flooding. However,… Read more »

clock September 5, 2019 comments No Comments flowchart Flood InsuranceHomeowners InsuranceOur Blog tag

According to FEMA, “everyone lives in a flood zone–it’s just a question of whether you live in a low, moderate, or high risk area.” According to Floodsmart.gov, more than 20 percent of flood claims come from properties outside high-risk flood zones. So what are flood ones and why do they matter? Flood Zone Definition Flood… Read more »

clock May 28, 2019 comments No Comments flowchart Flood InsuranceHomeowners InsuranceOur Blog tag LiabilitySafetyWeather

If you live in Rhode Island, almost every year at least one or two storms make their way up the Atlantic coast. Many residents felt the impact of Hurricane Sandy in 2012 and scientists also suggest we can expect more intense storms during hurricane season, because of rising ocean temperatures. Consequently, it is more important… Read more »

clock April 25, 2019 comments No Comments flowchart Flood InsuranceOur Blog tag Liability

An umbrella insurance policy, or excess liability policy, kicks in when other policies such as auto insurance, renters insurance, or your homeowners insurance policies reach their limits. You may not think you need this additional coverage, but here are a few reasons why it makes sense. Asset Protection While your existing insurance policies offers some… Read more »

clock April 24, 2018 comments No Comments flowchart Flood InsuranceHomeowners InsuranceOur Blog tag Property MaintenanceWeather

You can’t control the weather, but you can make wise decisions to protect your home from flooding. To better understand your risk, start by looking at the FEMA Flood map, but don’t stop there. Floods occur in all 50 states, and not just in high-risk zones. Talk to longstanding neighbors and ask them if they… Read more »

clock September 14, 2017 comments No Comments flowchart Flood InsuranceHomeowners InsuranceOur Blog tag LiabilityWeather

Flood insurance used to be a type of coverage that most people in low-risk areas thought was simply “nice to have.” However, the chances of flooding are much greater than they once were, making it something that every homeowner should consider. According to a senior scientist at the U.S. National Center for Atmospheric Research, climate… Read more »

clock January 23, 2015 comments No Comments flowchart Flood InsuranceHomeowners InsuranceOur Blog tag Cumberland RILincoln RINewport RIWeather

Rhode Island Flood insurance is not something that everyone thinks is necessary. But when a freak storm shows up out of nowhere and an area is flooded, having flood insurance can be a real financial lifesaver. Here are some things you may not know about flood insurance: Any area where it rains, can flood. There is always… Read more »

clock September 29, 2014 comments No Comments flowchart Flood InsuranceHomeowners InsuranceOur Blog tag Weather

Does My Homeowners Insurance Cover Hurricanes? In case you didn’t know, it’s hurricane season, which officially runs from June 1st through November 30th. The good news about hurricanes is that they tend to come and go rather quickly. The bad news is that the destruction can sometimes be devastating. Because of that, this is the… Read more »