Flood Insurance What Does it Cover?

Contrary to popular perception A standard homeowners policy does not cover damages from flooding. A separate flood policy is needed to cover losses to your property caused by flooding, which provides coverage for things such as:

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Hurricane Joaquin Emergency Claims Numbers


With the possibility of Hurricane Joaquin hitting the East Coast, it's a good reminder to think about disaster preparedness no matter where you live. Did you know that flooding is the #1 natural disaster in the United States?...

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What Is Coinsurance?


Coinsurance provisions found in property policies require the insured to purchase and maintain a minimum percentage of the structures total insurable value. Policies lacking adequate limits of coverage at the time of a loss are subject to a...

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Why Does Your Business Need Insurance?

It doesn’t make a difference if your company is virtual, out of your home, on the road, or in a leased building. There is going to be a time in your company’s operation when you will face one or more of the following:

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Expecting the Unexpected - Natural Disasters

Are you ready for that isolated event or unexpected natural disaster that could cause a serious disruption in your business?

While all disasters pose a serious threat, sometimes it's the ones we least expect that cause the most damage.


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Spring Severe Weather 101: Storm Safety & Preparedness

As sure as April showers bring May flowers, every spring day brings a greater risk of spring severe weather in the majority of the United States.

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Storm Surge Can It Affect You?

When it comes to hurricanes people think of high winds, heavy rains, flooding, and loss of power. But in addition to these dangers there is the issue of storm surge. A storm surge is a wall of water that is pushed ashore by the winds of a...

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The Top Four Hurricane Tips and Checklists You Need to Weather a Storm

It's Hurricane season and time to be prepared. So we have for you the Top Four Hurricane Tips & Checklists to help you be ready for any storm that comes.

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Flood Insurance Claims Fact vs Fiction - Hurricane Sandy

Governor Christie's administration and other government agencies have asked for answers to questions raised by NJ residents who have Federal Flood Insurance and suffered a loss from Superstorm/Hurricane Sandy. Below is a question and answer...

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FEMA extends Disaster Assistance Registration to January 30, 2013

At the request of the State of New Jersey, FEMA has agreed to extend the registration deadline for those who has suffered damages from Hurricane Sandy and need to apply for disaster assistance. The deadline to file is now January 30, 2013.

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