Flash flooding can occur anywhere, regardless of whether your property is located within a defined "Flood Zone" area. A standard homeowner’s or business owner's policy does not cover flood damage. You must purchase a separate policy to have coverage for damage caused by "rising surface waters". Pipes bursting, leaking, or other water damage from internal water sources are generally considered to be covered causes of loss and are not considered "floods".
It’s a good idea to contact our agency to start the application process early - most flood insurance policies have a mandatory 30-day waiting period before they take effect.
For more specific information regarding flood insurance, please see the following:
Is the chill of winter creeping in and around your house? The best defense is making sure your home’s heating system is maintained properly. Follow these tips for extra efficiency and warmth:
Have a professional inspect your heating system once per year, before winter hits.
Replace air filters often, per the manufacturer’s recommendation (the professional who inspects your heating system can tell you what’s best).
Seal up air leaks and add insulation around the house.
Clean registers and make sure they’re not blocked by furniture, carpets or drapes.
Are you going to buy a new car this year? Whether you’re looking for a family minivan, a sporty coupe or a fuel-efficient mini-car, here are six tips to factor into your research: