I was recently asked by the editor of a local online publication a question: Why doesn’t home insurance cover storm losses? It was of course a very timely and important question. In the wake of Tropical Storm Ida, I was happy to offer my advice and wanted to be sure to share it with you! Why Doesn’t Your Home Insurance...

So many of our Advocate Brokerage friends and family have suffered extensive damage from the wrath of Tropical Storm Ida. We’ve seen an incredible number of basements and main floors covered in water from this storm. We wanted to provide a resource to help those of you who are looking to do a bit of clean up in the aftermath...

When a wind storm knocks down a tree in your back yard causing damage to your fence, your first thought might be to pick up the phone and file a claim with your homeowner’s insurance carrier. It makes sense to want to be compensated for any loss. The question is…   Does it make sense in the long run?  ...

  We understand the reluctance to read yet another report about the wildfires that occurred nearly 3000 miles away. The fires that have devastated many areas of the West Coast may seem like they are out of sight, so they are out of mind but the truth is that when catastrophic losses happen in any area of the United States,...

Winter came a touch early this year so we hope you had time to prepare your home for the remainder of the long winter months that lie ahead.  Below is a list of items we recommend all homeowners address so that they reduce their risk of common winter mishaps.   To reduce the risk of fire: If you have not...

The global pandemic has left many people feeling unsafe within the neighborhoods they usually call home.  We have seen an extraordinary number of people flee their primary residence in favor of a Short Term Rental in a location that is better suited for social distancing.  For many, short term has turned out to be a bit longer than they initially...

Since the pandemic, more and more families have multiple people working or going to school from their home.  In this day and age, losing power could be more than a mere inconvenience. This is one of the many reasons your insurance Advocate, thinks installing a Permanent Generator is a smart idea. Plus, with winter approaching and the very real threat...

2020 has been a crazy year and the pandemic has affected each of us in various ways.  For many of us, it has been a year to make some changes to our lives.  Since it has been a year of such great changes, we felt it was a good time to once again talk about the importance of sharing life...

October is fire prevention month and this year’s focus is fire safety in the kitchen. According to the NFPA (National Fire Protection Association) cooking is the #1 cause of home fires and home fire injury. So it’s important that you take steps to protect your family from a kitchen fire. To Fireproof Your Kitchen Please Consider: Never leave the kitchen...

Much of the country has been able to enjoy some beautiful fall like temperatures even before the official first day of Autumn which was September 22nd.  Fall is one of the most beloved seasons and signals that the holiday season is just around the corner! Take the time now to do a little preparation so that your home stay safe...