This year Rhode Islanders were warned of one of the busiest hurricane and tropical storm seasons in recent history. Experts note that due to significant sea level rise and coastal development, tropical storms need not make a direct hit to wreak havoc on our region with storm surge and flooding. Now, during the ongoing COVID-19 health crisis, emergency planning presents additional challenges for everyone which makes it more important than ever to have a solid plan. Public health and emergency response professionals have advice to help you safely prepare, evacuate, and shelter for severe storms while protecting yourself and others from COVID-19.
With burglaries constituting approximately 50 percent of all on-campus crimes, it’s important for college students and their parents take steps to prevent theft, adhere to safety measures—and review their insurance coverage before heading off to campus this fall.
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.
Preparing an Effective Evacuation Plan ahead of time is crucial; this plan can help get you, your family and your pets on the road to safety.
College students are on the move, heading to college dorms and apartments on and off campus. For freshmen especially, it is a time of anticipation and new beginnings. However, in addition to excitement, big life changes such as these can trigger anxiety for both children and parents. Knowing that your student has solid insurance protection can alleviate many of your worries.
September is Mold Awareness Month, designated by the EPA as the time to discover what’s growing in those unseen corners of your basement and/or the damp corners of your guest bath. You may find mold, which left untreated can become very toxic and endanger your family’s health, causing possible damage to lungs, sinuses and overall well-being.
Back-to-school isn’t just the time of year when you rejoice at having your house back, and a regular routine in place. It’s also the time to review your insurance needs because a change in a child’s grade level, a teenager getting their driver’s license, or even having a college freshman in the family can all require changes in auto, health, or homeowners coverage.
At D.F. Dwyer Insurance, we as parents understand the financial challenges faced by families when children head off to college. In addition to tuition, room, board, books and other living expenses according to the Project on Student Debt, the average college student graduates with $24,000 in debt. But a little planning can make a big difference. Share these tips with college students you know to get the year off to a good start…
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.