It is very important to make a disaster survival plan for your business. FEMA reports that 40% of businesses do not reopen after a disaster and another 25% fail within the following year. Small businesses are particularly at risk because they may have all of their operations in one location that is damaged or destroyed.
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No matter if your property is in a high or lower risk zone, is a single-family, multi-unit residential or a commercial building– Dwyer Insurance will carefully evaluate your specific needs and create customized Flood Insurance OPTIONS from our top-quality underwriters to perfectly suit your property.
The change of season is the perfect time to get your insurance “house” in order. By reevaluating your policies now, you may save money and headaches later.
While many equate flooding with rainy conditions, winter weather and spring thaw can also lead to many flood risks. Just a few inches of water from a flood can cause tens of thousands of dollars in damage
Generally speaking, water that comes from the top down, such as rainfall, is covered by a standard homeowners insurance policy, while water that comes from the bottom up, such as an overflowing river would be covered by a separate flood insurance policy.
With peak hurricane season upon us, it’s time to pull out your homeowners insurance policy to check if you have a hurricane or windstorm deductible, and make sure you understand how it works in the event you have to file an insurance claim.