From the category archives: Brooks-Waterburn Corp Insurance Protection Blog


7/20/2015 12:41 PM

Flood Insurance is Good to Have, But Not Great

While Flood Insurance is a good affordable coverage to have, it is not a great policy in terms of coverage.  This blog illustrates some of the shortfalls of a Flood policy.  As an educated consumer you should be aware of the good and bad of Flood Insurance. 


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4/8/2013 4:55 AM

Why You Need an Agent

Many customers feel the only difference between one insurance company or agent and another is price.  While price is important, the experience and knowledge of an agent fighting for your rights can be the difference in getting a major claim paid or not.  Here is a story about one of our clients.  The names have been changed to protect the innocent. One of our clients had a devastating Super Storm Sandy claim.  The insured was a building owner located on the South Shore of Long Island.  In the building was a restaurant that opened for business the day before the storm.  The building suffered major damaged to the roof. In the beginning, we got him a $10,000 advance.  Then the process grinded to a halt.  The insurance company were dragging their feet and basically put up one obstacle after another.  This was an old roof and the insurance company was claiming that there was damage already there prior to the storm.  No amount of engineer reports or co ...


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3/20/2011 11:47 PM

Flood Insurance

Hi Everyone: Did you know.....?? Just a few inches of water from a flood can cause tens of thousands of dollars in damage to your home.  During the past decade, a flood claim with only 5 inches of water has amounted to more than $33,000. Flood insurance is the best way to protect yourself from this devastating financial loss. As a reminder, flood insurance must be purchased before flooding occurs and has a 30-day waiting period from the date of the application (unless purchased in conjunction with a loan closing). FLOOD DAMAGE is NOT covered by homeowners or standard commercial property insurance policies Statistics indicate homeowners are FOUR TIMES MORE LIKELY to suffer a loss from a flood versus a fire or other catastrophic event 70 to 80 percent of all U. S. natural disasters involve flooding Flood is the  most common natural disaster in the US Remember, you don't have to live in a near the water to be at risk for a flood claim.  In fact, most floods in this area ...


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11/5/2010 2:38 AM

Who Needs Flood Insurance?

As an insurance agent for over 21 years, I have offered flood insurance to almost all my clients with whom we have Homeowners Insurance.  Unless they live near the water or the bank requires it, the response is almost always the same.  It goes something like;  "I don't live anywhere near the water, what do I need Flood Insurance for?" In most cases, I respond that most flood damage come from areas that are no where near the water.  Just this past summer in Levittown, NY (about 6 miles from any water), there were major thunderstorms that caused flash flooding in some streets.  Many of the houses were flooded and nobody had the right protection.  I recently came across a really neat web page put out by the National Flood Plan.  You input how much flood damage is done to your house, eg 6 inches.  The website will estimate how much, in dollars, the damage will cause.  What it shows is astonishing.  A mere 6 inches in flood damage to a 2,000 square foot home ...


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