If your home floods … are you protected?

 Insurance  Comments Off on If your home floods … are you protected?
Jun 202016
 

FloodedWhiteHouseAt Soucy Insurance, we strive to educate our customers on their insurance options and on the importance of maintaining quality insurance protection. Many people are unaware about the true facts regarding flood insurance. Standard homeowners insurance and renters insurance does not cover water damage resulting from ground water flooding.

Your Soucy Insurance agent can help explain your options regarding flood insurance.  Supplemental coverage is available through the National Flood Insurance Program (NFIP).  This coverage provides for up to $250,000 for the structure of the home and $100,000 for personal possessions.  While the NFIP provides replacement cost coverage of your home, it will only cover the actual cash value of your possessions.  This is important, because actual cash value is designed to replace your possessions, minus their depreciation in value – the older your valuables are, the less they are worth.

Most homeowners in designated flood zones typically have the necessary flood insurance; however inland areas are also susceptible.  People living next to rivers or ponds, and even those whose homes reside at the base of a hill should consider their coverage options.  Flood insurance is just as important for renters as it is homeowners.  If your apartment became inundated with ground water flooding, none of your possessions would be covered – thus resulting in a total loss.

If you would like additional information on coverage available through the National Flood Insurance Program, call us today at 762.2218.  Please remember that there is a 30-day waiting period for coverage to take effect so if you are considering flood insurance it is best to act now.

How to Help Pets Through Severe Weather

 Insurance  Comments Off on How to Help Pets Through Severe Weather
Jun 202016
 

shutterstock_420962191With the official commencement of hurricane season a few weeks ago, it is as good a time as any to review your family’s emergency plan. Understanding your plan is essential in case extreme weather or a natural disaster in the area forces you to live without power, or worse, evacuate your home. If you do not have a plan yet, we encourage you to create one as soon as possible. For those of you who have on already, did you remember to plan for your pets as well? They’re likely to be frightened and in need of some special care.

Here are four tips designed to help your furry friends weather an emergency:

  1. Set aside emergency pet supplies. Include bottled water, medications, vet records (a boarding facility may require them), a carrier, a blanket, food and a food dish, and other items, depending on your pets’ needs. Don’t forget newspapers in case they are unable to go outside to do their business.
  2. Plan for their shelter. If the safest place for you during a severe storm is the basement, then that’s the safest place for your pets, too. Don’t leave them outside or corral too many pets into a small area. Even if they typically get along, the stress of the situation may cause them to act out.
  3. Identify places to go in case of evacuation. Think of hotels that accept pets, or of friends and family who are nearby. Make a list of their phone numbers and addresses, as well as those of a local boarding facility in case you need to stay in a shelter that doesn’t allow pets. Work out a buddy system with neighbors to see that animals are evacuated in the event one of you is not home.
  4. Don’t let pets roam free, even after things calm down. Fences could be down, as well as power lines, and there could be other hazards on the ground. Pets may still be frightened enough to run off, so keep them close and keep an eye on them. Furthermore, changes in their environment and routine could cause them to act unexpectedly, such as going to the bathroom inside.

For more specialized or larger pets, talk to your veterinarian about their needs during an emergency. And be sure all pets have proper identification. Your current phone number and/or address should be on their collars or tags, as well as on microchips. Because, if your pets get loose, you want to find them and bring them home again.
If you would like to create a family emergency plan step-by-step visit www.ready.gov/make-a-plan.