In Rhode Island, hurricane deductibles on homeowners policies may be no more than 5% of a home’s insured value. Some policies may offer a flat dollar deductible, but it may not exceed 5% of the insured value of the property.
Whether reporting damage to your property over the phone or through your mobile device, the Insurance Information Institute offers the following 6 tips on how to file an insurance claim.
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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Spring is the traditional time of year for cleaning your home, and it is also an ideal time to review your insurance coverage. As seasons pass, our lives change, and so do our insurance needs. Take the time this spring to read your policies and ask yourself the following key questions…
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.
When it comes to keeping your home mold-free, a strong offense is definitely your best defense. Mold, like rot and insect infestation, is generally not covered by a homeowners insurance policy. If, however, mold is the direct result of a covered peril such as a burst pipe, there could be coverage for the cost of eliminating the mold.
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