Insurance

The time to purchase Flood Insurance is before the Spring rains hit

Most homeowners policies do not cover floods.  The most serious mistake people can make is to think it won't happen to them because they don't live in a flood plain.  Almost everyone lives in either a low, moderate or high-risk flood plain.  Heavy rain or snow melt can create a flood on any type of property.  Depending on federal disaster relief to cover damages from a flood is also unwise.  Federal disasters are declared in fewer than half the cases of flooding.  The Federal Government mostly provides loans that have to be repaid with interest, whereas flood insurance covers most of the damage for a fixed price.

Anyone can buy flood insurance, even if the property has been flooded before, provided you live in a community that participates in the NFIP (National Flood Insurance Program).  There's usually a 30-day waiting period before new and modified policies go into effect, which means you can't buy a policy and have it be in effect the next day.

Flood insurance will pay for flood repairs, removing mud and debris, and replacing personal belongings and business inventories.

Did you know?

  • Floods occur six times more frequently than fires.
  • Ninety percent of flood disasters do not receive federal disaster aid.
  • The average federal disaster payment is only $2,500 and the largest grant is just $12,500.
  • Between 25 and 30 percent of National Flood Insurance Program claims come from outside high-risk flood areas.

If you're interested in more information regarding flood insurance, please call our office.

What to do after a homeowners loss

(from theft, fire, wind damage, flood, etc)

1. Call our office (419-855-9089)  to report the loss and start the claim process.

2. Stay out of your home until it's safe to re-enter, then assess the damages.

  • Fire - don't enter your home until the fire department says its safe.
  • Theft - call the police to file a report.  Change all locks.  Call your credit card companies as soon as possible  to report any cards stolen.
  • Weather related - electric, gas and water utilities should be kept off until all have been inspected.
  • Flood - make sure your home is structurally sound before re-entering.

3. Take pictures of any damage.  Make a list of all damaged or stolen personal property. 

4. Take steps to prevent further damage to your property.  For example, cover a damaged roof or board up broken windows and doors.

5. Keep receipts of everything you purchase to replace lost, damaged or stolen items.

(This list is also permanently listed on our website's "Claims" page for future reference)

What to do after an auto accident

1) Turn on your vehicle's hazard lights.

2) Contact 911 for Emergency Medical Service and Police.  Be prepared to give your detailed location such as highway mile marker or nearest intersection. 

3) Do not apologize even if you think it was your fault.  The police will determine who or what caused the accident.

4) For each driver involved, collect the following:

  • name, address, phone number
  • drivers license number
  • insurance carrier, policy number, and name of insured if different than driver

 5) For each vehicle involved, collect the following:

  • license plate number
  • vehicle description (year, make, model, color), or take pictures

6) If police don't respond to the accident (such as on private property or no injuries) file a police report to protect yourself.

7) Call our office (419-855-9089) or your insurance carrier's claim number listed on our "Claims " tab to report the accident.

(This list is also permanently listed on our website's "Claims" page for future reference)