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WOW 3 Hurricanes in a row!

09.13.17

I believe that we are only half way through this current hurricane season with Irma being number 9 out of 21 named storms. So far in the north east have dodged these devastating storms. However I think it has opened our eyes to what could happen and yes it could happen here.I can’t even imagine…evacuating or being a part of that devastation that took place in the Island’s, Texas and now Florida.

Now is the time for us to rethink just how prepared we are should a storm head our way.

Just so Happens that September is “Emergency Preparedness Month”.

If we prepare now and slowly build our “hurricane or storm kits” we can beat the rush. We won’t have to deal with empty shelves, a run on the gas stations as long as we make an effort now.

Check out what this is all about here:
http://www.mass.gov/eopss/agencies/mema/be-prepared/september-is-emergency-preparedness-month.html

Here is another resource to take a look at.
This has smart phone apps, wireless emergency alerts, Twitter and Facebook connections for MEMA.

http://www.mass.gov/eopss/agencies/mema/news/press-releases/be-informed-for-emergency-preparedness-month.html

Take a walk around your home and make a list of what may need to be done. Do what you can however call in an expert for things that may be beyond your expertise. Starting now will take the panic out when and if a storm does comes this season, which by the way runs from June 1st thru November 30th.

That’s the official hurricane season time line but we all know that here in the north east we have those little storms know as the Nor’easter’s that are sometimes worse!

Your homeowners policy will cover wind loss however there are two types of deductibles that just about every homeowners policy has. One is a wind deductible, and the other a named storm deductible. One, named storm deductible, carries a higher percentage deductible should there be a loss.

If you have not contacted us just to go over what type of deductible you have NOW would be the time. Give one of our personal lines account mangers a call to discuss what the difference is and how it may affect you. 508-824-5875

What type of deductible does your homeowners insurance policy have? This is what we are here for!

“Neighbors Helping Neighbors Since 1847” Our 170th Year!

The National Weather Service has excellent information on how to prepare.
• Assemble disaster supplies
• Make a hurricane written plan
• Secure an insurance check up {Call Allan M Walker 508-824-5875}
• Develop an evacuation plan
This is where this information is located www.weather.gov/wrn/hurricane-preparedness

With Summer also came many home projects. Be sure to let us know what your improvements are going to be or what you have done. An addition, a new garage, kitchen, pool or a new deck whatever it may be. This is an exciting time but don’t wait until the news forecaster says the storm will be here tomorrow to call us! At this time it just may be too late to add protection for that new improvement or project….. Ask us why……508-824-5857

One last thought is that FLOOD IS NOT A COVERED LOSS under the homeowners policy!! We can provide that coverage however it takes 30 days to go into effect as flood is written as its own policy!! Just about all flood losses occur away from oceans and rivers!!!

http://www.allanwalker.com/for-individuals/home

Take Care everyone and please contact or give us a call with any questions!
Neighbors Helping Neighbors Since 1847
Our 170th Year Serving Our community!
Protection is Our Business ~ Service Our Product
508-824-5875

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No it’s not too HOT for a House Fire!

07.21.17

Now that we have hit yet another heat wave this summer be careful not to overload your electricity throughout the day. Yes it is muggy, sticky and just plain nasty out there! As we wait for cooler temps to come our way here are a few reminders to help keep you and your home safe.

It is times like these when the temperature rise so does the call for more electricity and power from your household source.

If you are not using a room in your home and you have ability to close off that room do so, this may help to reduce some of that strain on your electrical and cooling system.

Did you know that fire departments respond to more than 350,000 fires in the US each year and electrical fires account for more than 1 in 10 of these fires!

As the search for another outlet to plug in that fan or the new AC unit , plug in only one appliance at a time to an outlet.

There are over 2,500 electrical outlet fires in homes each year! This has caused more than $94 million dollars in homeowners damage.

Fire departments respond to over 7,200 calls for fan and air conditioning and related equipment type fires. Between 2007 and 2011 fans caused  6% {WOW} of all home electrical fires!!

I know it is a struggle to keep cool for just a few days and weeks of the summer. However keep this in the back of your mind as you try to drop the temperature in your home as the heat rises!

Take a look around as walk through your home and see whats plugged in where and how many items are drawing on that circuit. It may be hot outside but not as hot if your home as a malfunction!

Thanks to Arbella for sharing this info with Allan Walker Insurance!

Check us out for cool Homeowners Insurance bundles and savings!

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WOAH ! LOW NUMBER PLATES UP FOR GRABS!!

06.28.17

Start Your Engines – The Low Number Plate Lottery Has Begun!

June 26, 2017 by Julia Ybarra Leave a Comment
There is no fee to enter the annual RMV Low Number Plate Lottery

Agency Checklists, MA Insurance News, Mass. Insurance News In what has become a summer tradition on Agency Checklists, it’s time to remind the Massachusetts insurance industry that the Low Number Plate Lottery has begun!

We love this annual summer contest, because it is such an easy and economical way to reach out to your insureds across the Commonwealth each year and to help them get a great prize for free. This year’s low plate lottery, which officially began on Friday June 19, 2017, will run until August 25, 2017.

“The low plate lottery is our customers’ favorite annual event at the Registry,” said Registrar Erin Deveney. “After such an overwhelmingly positive response last year and an increase in applications, we are happy to continue to offer our customers a streamlined online application process for submissions. Our low plate lottery is just one example of improved and expanded online Registry options for our customers. We encourage all entrants to continue to skip the stamp and enter the lottery electronically at MassRMV.com.

All applicants should be aware that while there is no fee to enter the contest, any or all winners are required to pay a registration fee for the plate.
The RMV has seen increasing participation in the annual contest over the past few years

According to the Registry, there are 162 low number license plates available this year, twenty-one fewer than in 2016 when 183 plates were available. While there are fewer license plates up for grabs this year, the Registry has seen an increase of entry applications over the past couple of years. In 2016, the Registry received an estimated 8,600 applications for the 183 plates available, approximately 2,600 applications more than in 2015.
The RMV can now accept both online and mailed entry forms

As it first announced last year, the Registry also is now able to accept both online entry forms as well as applications that are sent by U.S. mail. For those interested in filling out a paper application a copy of the application can be downloaded here. Applications are also available at RMV service center locations throughout the Commonwealth. Be sure to remember that applications sent by mail must be postmarked by August 25, 2017 in order to be entered into the drawing.

Online entries also must be completed by the August 25th deadline. Interested applicants can access the link to fill out the form online here. Later this summer, the Registry will send out notifications via email for the date, time, and location of the 2017 Low Plate Lottery Drawing. By law, the Registry must announce all of the winners by September 15th.
Two three number plates and 8888 are among the list of available low number plates in 2017

For those interested in seeing what plates are available this year, the following is a complete list of the low number license plates available for 2017.
529 2791 4455 6387 7674 9313 35G 96D G81 U25
571 2793 4573 6402 8015 9340 39U 97V H18 U60
1046 2861 4706 6545 8019 9341 41X 98M H39 V59
1330 2908 4726 6638 8024 9345 48E A17 H76 W52
1637 3194 4875 6798 8025 9614 53L B6 H98 X1
1702 3268 4886 6867 8077 9687 53Y B51 J96 Y61
1703 3287 4910 6913 8146 9824 62P B73 K71 Y67
1834 3320 5186 7020 8195 9960 65V B81 M88 Z26
2123 3396 5471 7129 8306 9969 68D C7 N25 Z81
2142 3512 5571 7178 8403 6F 69A D54 P68
2155 3534 5694 7214 8426 8J 72Q D58 P69
2245 3548 5769 7344 8715 24Z 76Y E15 P72
2264 3612 5879 7430 8729 28D 81R E63 P85
2436 3691 6051 7487 8817 29H 82T E93 Q35
2480 4176 6093 7493 8888 32V 83D F76 R33
2560 4208 6252 7579 8979 33E 91J G3 R56
2567 4269 6300 7591 9192 34F 93P G37 T16

Good luck to all!

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AHHHH! Hurricane Season Is Here! Flood

05.31.17

It begins once again!

The Hurricane season. The super bowl of weather for the North East and the weather people are predicting quite the season.

NOAA’s forecast calls for:
11 to 17 named storms
5 to 9 of which could/would become hurricanes
2 to 4 of which could/would become major hurricanes.

Well if it ever warms up around here we may be more convinced that a few of these storms just may come our way!

All kidding aside these storms are something that we all need to be aware of and not to be taken lightly. Like the Scouts say “Be Prepared” and now is the time to get ready.

Take a walk around your home and make a list of what may need to be done. Do what you can however call in an expert for things that may be beyond your expertise. Starting now will take the panic out when and if a storm comes this season and our way, which by the way runs from June 1st thru November 30th. That’s the official season time line but we all know that here in the north east we have those little storms know as the Nor’easter’s that are sometimes worse!

Your homeowners policy will cover wind loss however there are two types of deductibles that just about every homeowners policy has. One is a wind deductible, and the other a named storm deductible. One, named storm deductible, carries a higher percentage deductible should there be a loss.

Image result for hurricane

If you have not contacted us just to go over what type of deductible you have NOW would be the time. Give one of our personal lines account mangers a call to discuss what the difference is and how it may affect you. What type of deductible does your homeowners insurance policy have? This is what we are here for!

“Neighbors Helping Neighbors Since 1847”  Our 170th Year!

The National Weather Service has excellent information on how to prepare for the upcoming season.

  • Assemble disaster supplies
  • Make a hurricane written plan
  • Secure an insurance check up {Call Allan M Walker 508-824-5875}
  • Develop an evacuation plan

This is where this information is located www.weather.gov/wrn/hurricane-preparedness

With Summer also comes many home projects. Be sure to let us know what your improvements are going to be should you have anything planed for your home: an addition, a new garage, kitchen, pool or a new deck whatever it may be. This is an exciting time but don’t wait until the news forecaster says the storm will be here tomorrow to call us! At this time it just may be too late to add protection for that new improvement or project. Ask us why……

One last thought is that FLOOD IS NOT A COVERED LOSS under the homeowners policy!! We can provide that coverage however it takes 30 days to go into effect as flood is written as its own policy!! Just about all flood losses occur away from oceans and rivers!!!

http://www.allanwalker.com/for-individuals/home

Take Care everyone and please contact or give us a call with any questions!

Protection is Our Business ~ Service Our Product

508-824-5875

 

 

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Imagine Trucks and Tools Together!

05.30.17

Announcing The Builders Bundle Artisan Contractors Program

Not even the late start to warm summer weather can slow down this building season! Check this out and hammer in the savings!

Imagine Trucks and Tools Together!

This revolutionary artisan Contractors policy was developed by the Arbella Contractors Team and is only available to Arbella subscribers. For this reason your Allan M Walker Account Manager can help you immediately on this offer.

Now contractors who have the confidence to operate independently or as a subcontractor have an insurance solution that makes it easy.

http://www.allanwalker.com/for-businesses/builders-bundle

 

Why? Because It Costs You Less!

Work In Any of these Trades or industries:
Carpentry
Painting
Plumbing
Drywall
Metal or acoustic tile ceiling-installation or repair
Landscaping
Heating or AC/HVAC
Electrical work
Paper Hanging
Tile, Stone Or Marble Work
Janitorial Services

Plus many more industries and trades Call TODAY 508-824-5875

Discover how the Bundle can Save you money.

Increase your profit by Bundling your Protection. Beyond the basic property and general liability coverage for on-site work and completed operations the Arbella Artisan contractors Policy adds protection where you may never had it before.

Coverage for your unscheduled tools
Valuable papers and records
Property in transit
Commercial Auto
*100 dollar credit* Hurry see if you qualify

3 More Reasons To Choose Us For Your Contractors Insurance Program
We understand how to provide a comprehensive artisan contractors insurance program
We understand what it means to be flexible within our Artisan Contractors Insurance Program
We want to increase your profits and $ave you money by Bundling your Commercial Auto with your Contractors policy

This Builders Bundle is a policy that exceeds industry standards The Bundle goes beyond just the basics with protection. However, remember avoiding accidents is not promised to you or anyone else. So, don’t delay. Call or e-mail us Today!

Be protected, We Bundle, You Build, You Save $$$……..
Neighbors Helping Neighbors
Since 1847
Protection Is Our Business ~ Service Our Product

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Fewer Teens Want A Drivers License Now at an All Time Low….

03.08.17

I can attest to this! When my boys were just about that age of getting ready to go through the process of driving school they were all involved with sports and of course a heavy work loads at school. They were really in no rush and we really did not mind taking the trip to wherever that season sport took us.

Washington — At 16, Henry Stock doesn’t see many reasons to get a driver’s license.

He can walk to stores near his home in Hollywood, Fla. Many of his friends are fellow gamers he can talk to online. And he can use a mobile ride-sharing app to get a ride when he needs one.

So while Stock has a learner’s permit, he hasn’t yet made much of a dent in the 50 hours of supervised driving he needs to get a full license in Florida.

“It’s more time and effort than I want to put into something that won’t benefit me a lot right now,” Stock said.

Other teens see things the same way. The share of high school seniors across the country who have a driver’s license dropped from 85.3 percent in 1996 to a record low 71.5 percent in 2015, according to data from the University of Michigan’s Monitoring the Future survey.

The drop has been sharpest in the South, where the share of high school seniors with a driver’s license fell from 88.6 percent in 1996 to 71.2 percent in 2015. High school seniors are most likely to have a license in the Midwest — 80.4 percent — and least likely to have one in the Northeast — 64.8 percent.

Part of the reason is economic: fewer jobs, especially during the Great Recession, which meant teens didn’t need to get to work and had less money to bankroll their rides. But even as the economy improved, the share of high school seniors with a license has generally been on the decline. That’s partly a result of tough new rules imposed on young drivers and an explosion in ride-hailing and ride-sharing services.

The shift appears to be having a direct impact on safety.
Drivers aged 16 to 19 are among the most dangerous on the road. They are three times more likely than older drivers to be in a fatal crash. But even as that teenage population has increased from 14.9 million in 1996 to 16.9 million in 2015, the number of drivers in that age group involved in fatal crashes fell by more than half, from 6,021 to 2,898, according to the Insurance Institute for Highway Safety, an industry-funded nonprofit.

Matt Moore, a vice president at the Highway Loss Data Institute, a group affiliated with the insurance institute that analyzes insurance statistics, said so-called graduated licenses such as Florida’s, which require set periods of training and restrict driving privileges at certain ages, have been most responsible for the long-term reduction in the share of teen drivers. “From a safety perspective, that’s a good thing,” Moore said.

But there are signs that the level of fatal accidents involving teens may not stay so low.

The number of 16- to 19-year-old drivers involved in fatal accidents crept up in 2014, from 2,584 to 2,622, and again in 2015, to 2,898, according to statistics compiled by the insurance institute — the first increase since 2002. And the Governors Highway Safety Association noted a 10 percent rise from 2014 to 2015 in the number of 15- to 20-year-old drivers who died in crashes, the first increase for that age group since 2006.

What could be behind the rise? Some traffic safety analysts say licensed teens are driving more as the economy improves and they get jobs.

And, they say, more are getting licenses after they turn 18, when most states no longer require training for new drivers.

Robert Foss, director of the Center for the Study of Young Drivers at the University of North Carolina, said his state saw a sharp drop in the number of fully licensed 16- and 17-year-old drivers after graduated licensing took effect in 1997.

But when the licensing rate for teenagers continued to drop, Foss said, it was “really almost exclusively about the economy. That had a big effect on teens and their ability to drive and their need to drive.”

A 2012 survey from the AAA Foundation for Traffic Safety found that the most common reason for teens to delay getting a license was not having a car.

More than a third cited gasoline and other costs, and many, like Stock, also mentioned the ability to get around without driving.

The recession and its aftermath deprived teens of work opportunities as many older workers were laid off and started to compete for lower-level jobs. The unemployment rate for 16- to 19-year-olds was near 25 percent from 2009 to 2013.

“That means 1 in 4 teenagers who wanted a job couldn’t find one,” said Moore of the data institute. “The reality is if you graduated high school at the worst of the recession, you were having a hard time supporting yourself as a teen driver.”

High teen unemployment coincided with some of the biggest drops in license rates for high school seniors, from 82.1 percent in 2005 to 72.1 percent in 2011, Monitoring the Future data show.

After a few states experimented with tougher graduated licensing requirements in the early 1990s, by 2006 every state had adopted some form of requirement or restriction. The requirements and restrictions vary. But most states limit driving activity seen as high risk, such as driving at night or driving unsupervised with teen passengers.

The insurance institute set up a calculator to estimate how many fatalities could be prevented by applying some states’ strict driving policies in other states. For instance, if Florida increased its minimum licensing age from 16 to 17 as New Jersey has, the number of fatal crashes would drop by 13 percent and collision claims would drop by 5 percent, according to the calculator.

Some teens are putting off getting licenses until they’re old enough to avoid the graduated licensing process.

Andrew Bennett, a regional coordinator for Nevada’s Zero Teen Fatalities program, knows firsthand how hard it was to get through the state’s graduated licensing program. He waited until he was 18, five years ago, to avoid having to document the time spent driving while his parents supervised him.

“I was heavily involved in sports and band, and it was quite a bit of hassle just to lock down my parents’ time for 50 hours,” Bennett said.

He now volunteers with a high school band in Henderson and sees many students arriving with parents, by bicycle or on public transportation — even though they’re old enough to get a driver’s license. “Some consider it a hassle,” Bennett said. “For others it’s that they can’t afford insurance, so they just wait until they go to college or get a job.”

That teens can wait out the graduated licensing provisions, which generally expire at 18, is a potential safety problem that could undo some of the reductions in fatalities achieved so far, said Ruth Shults, an epidemiologist at the U.S. Centers for Disease Control and Prevention who specializes in preventing motor vehicle crashes.

Once teens or young adults leave the nest, they’ve usually lost the easy ability to get help from parents or older siblings who can introduce them to the rules of the road gradually, she said.

In New Jersey, the law requires new drivers as old as 20 to complete a period of supervised driving. The age requirement was based on a 2008 study that showed that giving older new drivers more experience on the road could help lower crash rates.

That’s one reason the governors’ association recommended last year that states extend graduated licensing requirements to age 21, and require driver education and training for all new drivers regardless of age.

“If you don’t learn to drive when you live at home, your chances of benefiting from the experience of a really expert driver has probably really diminished,” Shults said.

Thank you PnC weekly for this story….

For me on the other hand could not wait to get my license !!!

However if you do have a teen driver be sure to check with us on how to add them to your auto policy!

 

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Seat Belts Do Save Lives !

11.22.16

With the holidays fast approaching drivers will out on the roads more than ever. The cost of fuel is down and with that more travel is definitely on the horizon.

Give this a thought as you sit around the table with family and friends. Slow down take your time better to arrive a little late than have an accident. This is from the NHTSA…

Seat belt use in U.S. reaches historic 90 percent

NHTSA 31-16
Monday, November 21, 2016
Contact: 202-366-9550, Public.Affairs@dot.gov
Lives saved estimated at nearly 345,000 since 1975

WASHINGTON – Seat belt use in the United States has reached its highest level since the Federal government began regular national surveys in 1994, according to a study released by the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA).

“The best way folks can protect themselves in their cars is by wearing a seat belt,” said U.S. Transportation Secretary Anthony Foxx. “Whether you’re a driver or passenger, in the front seat or back, the simple act of wearing a seat belt significantly reduces the risk of fatality and major injury in a crash.”

The new data – drawn from a large-scale observational study conducted by NHTSA in June 2016, shows daytime belt use (drivers and right-front passengers of passenger vehicles from 7 a.m. to 6 p.m.) reached 90.1 percent, a statistically significant increase from 88.5 percent in 2015. The study, known as the National Occupant Protection Use Survey (NOPUS), is the only survey that provides nationwide probability-based observed data on seat belt use in the United States. The NOPUS also provides data on other types of restraints, such as child restraints and motorcycle helmets, and driver electronic device use.

“Vehicles have many more safety features today than ever before, but there is nothing more important than the simple seat belt,” said NHTSA Administrator Mark Rosekind. “We are encouraged by this progress, but with so many people still dying in crashes because they are not wearing their seat belts, we will not rest until we reach 100 percent.”

Seat belts saved nearly 14,000 lives during 2015 alone and an estimated 345,000 lives since 1975. The nation’s chief auto safety agency credits State legislators for enacting strong laws and our nation’s police officers for strong enforcement of those laws, especially during the annual national Click It or Ticket campaign. Also important was the agency’s decades-long focus on the issue, including the renowned “Vince and Larry” crash test dummy public service campaign of the 80s and 90s. This progress is the result of persistent effort by a wide range of safety partners, including the U.S. Congress which provided resources including incentive grants and support for enforcement, state highway safety officials who mobilized and organized state enforcement and education campaigns, and many others including public health organizations which raised awareness and the auto and insurance industries which supported seat belt advocacy efforts.

Of note in the latest survey is that seat belt use is higher in the West than in the other regions of the U.S., and seat belt use continued to be higher in the States with primary belt use laws. Thirty-four states, the District of Columbia, American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the Virgin Islands have primary seat belt laws for front seat occupants, while 15 states have secondary laws. In many of these states, the law is primary for younger drivers and/or passengers.

Other significant increases in the last year are among drivers and passengers of vans and SUVs, and those in rural areas.

Seat Belt Use in 2016 – Overall Results report

Stay connected with NHTSA: Search for open recalls with VIN look up | Download the Safercar Mobile App for Apple or Android devices | Receive recall alerts by email | Visit us on Facebook.com/NHTSA | Follow us on Twitter.com/NHTSAgov | Watch 5-Star Safety Ratings crash tests on YouTube.com/USDOTNHTSA | SaferCar.gov

From all of us here at Allan M. Walker

Have a safe and happy Thanksgiving everyone!

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The Builders Bundle Artisan Contractors Program

08.05.16

Imagine Trucks and Tools Together!

This revolutionary artisan Contractor’s policy was developed by the Arbella Contractor’s Team and is only available to Arbella subscribers. For this reason your Allan M Walker Account Manager can help you immediately on this offer.

Now contractor’s who have the confidence to operate independently or as a subcontractor have an insurance solution that makes it easy.

Why? Because It Costs You Less!

Work In Any of these Trades or industries:

  • Carpentry
  • Painting
  • Plumbing
  • Drywall
  • Metal or acoustic tile ceiling-installation or repair
  • Landscaping
  • Heating or AC/HVAC
  • Electrical work
  • Paper Hanging
  • Tile, Stone Or Marble Work
  • Janitorial Services

Plus many more industries and trades are available for this exclusive program Call TODAY 508-824-5875

Discover how the Bundle can Save you money.

Increase your profit by Bundling your Protection. Beyond the basic property and general liability coverage for on-site work and completed operations the Arbella Artisan contractor’s Policy adds protection where you may never had it before.

  • Coverage for your unscheduled tools
  • Valuable papers and records
  • Property in transit
  • Commercial Auto
  • *100 dollar credit* Hurry see if you qualify ask our account manager if you do!

3 More Reasons To Choose Us For Your Contractors Insurance Program

  1. We understand how to provide a comprehensive artisan contractor’s insurance program
  2. We understand what it means to be flexible within our Artisan Contractor’s Insurance Program
  3. We want to increase your profits and $ave you money by Bundling your Commercial Auto with your Contractor’s policy

This Builders Bundle is a policy that exceeds industry standards The Bundle goes beyond just the basics with protection. However, remember avoiding accidents is not promised to you or anyone else. So, don’t delay. Call or e-mail us Today!

Be protected, We Bundle, You Build, Have Confidence……..
Just Neighbors Helping Neighbors
Since 1847
Protection Is Our Business ~ Service Our Product

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WHY GUARANTEED VALUE™ COVERAGE IS IMPORTANT FOR CLASSIC CARS

07.26.16

There are three ways auto insurance companies pay out claims. Standard on most policies is actual cash value, which pays out claims based on depreciated, used-car values. Some companies offer stated value for classics, which allows clients to set their own values. The only problem is that insurers are allowed to pay the lesser of the stated value or the actual cash value. Because classics usually maintain or appreciate their values, neither of these options are ideal.

With Guaranteed Value™ (AKA agreed value) coverage, the insurance company and the client agree on a value for the classic. If there’s a covered total loss, clients receive that full value, less any deductible and/or salvage value, if the vehicle is retained. No depreciation. No messing around. No hassle.  Call Mellissa TODAY ! 508-824-5875   http://www.allanwalker.com/for-individuals/classic-car
Guaranteed Value from Hagerty

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FLOOD! What happened it was “Just” a little rain!

07.05.16

Flood Insurance

Every time we have a serious rain storm I see rivers of water cascading down driveways, streets, through backyards and flowing off of roofs. The thought I have is that pretty much every homeowner’s and business polices excludes flooding water and floods.

No Coverage For a Flood………

Every year unfortunately, business owner’s and homeowner’s alike find out that flood coverage is NOT a covered loss, unless it has been added by endorsement or bought as a separate insurance policy.

It is a misconception that floods only happen near oceans, rivers, coastal areas and streams. Any area can flood over a period of time; it is the amount of water that produces the flood where it has never been before. The quick build up and rapid accumulation of water is what causes devastating damage that takes everyone by surprise.

Until it happens there are many people who think “I am not located near any big body of water or stream and we never had a flood before,” so it is a kind of out of sight out of mind kind of thing. However, floods do happen and they happen across the country where there is hardly any water at all!

That last wicked rain storm where the wind was howling and rain was going every which way had a potential to cause a flood. Flood insurance can be purchased and added to your insurance program, all you need to do is give us a call at 508-824-5875. Ask one of our account managers to help you and answer any questions you may have.

So please don’t delay be prepared for life’s misfortunes because we don’t know what is coming next.

E-mail me for more information Mike@allanwalker.com or call one of our team members toll free 1-877-824-6670 or 508-824-5857.

Just Neighbors Helping Neighbors Since 1847.

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