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The Rainy Season Can Bring Flooding: It makes sense to be prepared!

April showers bring… well, rain. April and May are our rainiest months and that kind of weather usually turns our thoughts to flooding and the damaging affects all that excess water can mean for our clients. Just a few inches of water can add up to 10's of 1000's of dollars in damage. Many people push flooding concerns out of...

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2019-05-10
By: Advocate Brokerage

Understanding Your Insurance Is Important. Education Is Key – what you need to know about being underinsured.

By Denise Koslowsky When I talk about insurance, which is quite often, sooner or later the conversation will come back to what I currently consider a crisis – the many homeowners who are underinsured. It is an easy topic to understand when you are speaking in regards to the homes devastated by wildfires in California or the homes torn apart...

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2018-12-19
By: Advocate Brokerage

The Truth About Flood Insurance, What You Need To Know.

With all the rain and the abundance of hurricanes and tropical storms we’ve been faced with this year, Advocate Brokerage feels like we need to share some truths with you about flood insurance. Below are a few assumptions people make about flood insurance and what you need to know. I have homeowners insurance so I’m covered. What you need to...

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2018-11-27
By: Advocate Brokerage

Preparing for Florence – Important Hurricane Information For Homeowners

                Safety first!  If you have been asked to evacuate, please do!  Do not attempt to ride out the storm.  Property can be replaced but you cannot be. Next, there are things you can do now to protect your property. What to do now: Install Storm Shuttersright away and be sure to deadbolt and lock your front...

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2018-09-06
By: Advocate Brokerage

Preparing your Business for Florence – Important Hurricane Information For Business Owners

People up and down the East coast are taking notice and making plans to prepare themselves and their property for Hurricane Florence. Business owners also need to take steps to protect their livelihood.  Losses that businesses incur during a hurricane can be crippling. The following tips are offered to help your business be prepared as you can and recover as...

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2018-09-06
By: Advocate Brokerage

Preparing for Florence – Keeping Your Vehicle Protected During a Hurricane

We’ve all seen images of vehicles submerged, reminders of the storm surges and flash flooding a hurricane can leave behind.  For those who find themselves in the path of Hurricane Florence, we’d like to offer some preventative tips should you have to evacuate and leave your car behind. What to do now, before the storm hits: Fill your gas tank...

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2018-09-06
By: Advocate Brokerage

Rain, Rain Go Away! Flood Insurance Facts.

The summer of 2018 is proving to be a very, wet summer. The national rainfall average is higher than normal and when adding in factors such as climate change and an increase in urban development, the risk for flooding increases. It also means that there are potentially millions of Americans who are at risk for flooding and currently have no...

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2018-08-27
By: Advocate Brokerage

Flood Insurance – No longer an exclusive product for coastal property owners

  In a recent article on Property Casualty 360 that we shared on our facebook page a study by the University of Bristol revealed that the risk for flooding is higher than the current FEMA modeling shows. The study estimates that 41 million Americans are at risk from flooding rivers. That is almost 3 times the current estimate and does...

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2018-03-27
By: Advocate Brokerage

Making Sense of Flood Insurance

    Making Sense of Flood Insurance Since late August our country has been dealing with the very real devastation of not one but two hurricanes.  With Hurricane Harvey, homes in Houston, never before affected by floods, were devastated leaving people with thousands of dollars of damage and no protection from insurance.  Hurricane Irma virtually destroyed the Florida Keys and...

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2017-09-21
By: Advocate Brokerage

You, the Environment & Flood Insurance

Recent summer storms have showered a deluge of rain across our area.  We’ve seen flooding in New Jersey and I would guess that few of us were surprised.  The prevailing feeling still exists, flooding happens in coastal areas…not here. The truth is this:  floods can happen anywhere. Now add to that truth with the fact that our weather has been...

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2016-08-08
By: Advocate Brokerage

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