Category: Natural Disasters

Is Flood Damage Covered By My Homeowners Insurance?

From extreme flash floods to powerful winds, storms have recently torn through many states. Whether you live somewhere that only gets a few inches of rain or somewhere that receives rain in torrents, you might be wondering if your Homeowners

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Homeowners Insurance: Do You Need Ordinance or Law Coverage?

Many people wrongly assume that when a Homeowners Insurance claim is paid out that it will cover everything. If you purchased a million-dollar home, then had to rebuild it after a catastrophic loss, you may think your coverage will deliver that same

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Get Ready for the Great California ShakeOut

It’s the 10th anniversary of the Great California ShakeOut, which takes place this year on October 18th at 10:18 A.M! Everyone is encouraged to participate in this earthquake drill, whether you’re at home, work or school. The main goal of

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Hurricane Florence: What Virginia and Carolina Residents Need to Know

Carolinians should be aware that Hurricane Florence is approaching with wind speeds of 130 mph that will likely exceed 157 mph by Thursday. Florence is expected to strengthen from a Category 4 to a Category 5 storm by the end

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After a Hurricane: Safety Precautions and Tips for Rebuilding Your Life

Rebuilding your home after a destructive hurricane is not only expensive, but it’s emotionally draining. The best hope for victims of a hurricane is that they are covered with the appropriate Homeowners Insurance policy. A standard Homeowners Insurance policy does not cover

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Flash Floods and How to Avoid Car Damage

It’s peak flash flood season which means you need to drive extra carefully. August and September typically see the most flash floods, which can happen anywhere and at any time. It’s important that you’re aware of the dangers of flash floods, especially

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How Do I File a Business Insurance Claim and What Should I Expect?

If you’re a business owner in California, you’ve heard about the increased number of people having to file insurance claims for their home or business. Many residents and business owners in Santa Barbara and Ventura County are now having to

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What to Do to Protect Yourself Before an Earthquake Strikes

Some people who live in earthquake-prone areas just push away the thought of the next big one destroying their home. While it does little good to live anxiously expecting the worst to happen, it is a wise idea to look

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Catastrophic Insurance: What Is and Is Not Included in Your Homeowner’s Policy

Many people don’t really understand that certain kinds of disasters are not included in their standard Homeowners Insurance until it’s too late. Either their insurance agents didn’t explain very well or the homeowner was only thinking short-term and bought the

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The Coverage Cycle: All the Insurance You Need in a Lifetime

You may wonder why it’s better to go through an insurance agency rather than going directly to a carrier. Well, one of the main reasons is because everyone needs different types of insurance at different stages in their lives. A

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