What a Week!

Last week could have been much worse from an insurance standpoint here in the Elizabethtown, Mount Joy and Marietta areas. Remember the earthquake felt here  August 23?  While I heard no reports of damage,  one of my insured’s that has earthquake coverage submitted a claim for damage to the cement floor of their basement.  The insurance company will investigate to…

Do I Have Hurricane Coverage?

Earlier this week we experienced a rare earthquake here in Lancaster County.  Some people were surprised to learn that a “standard” property policy does not cover damage caused by earthquake. Now with Hurricane Irene warnings issued for the entire east coast, including Lancaster County, the popular question being asked is – Do I have hurricane coverage?…

How Do You Search?

It’s that time of the year!  The end of July or beginning of August come annual visits from the Yellow Pages salespeople.  New contracts for the Agency’s phone book advertising need signed  for next year.  What makes the process especially cumbersome is that Elizabethtown is serviced by 5 different directories! I cannot tell you the last time I used…

What To Do When a Claim Happens

Yesterday an insured called to report hail damage to the roof of his house.  No hail ocurred in the area recently, so the agent taking the report asked when the hail damage occurred.  His answer was “during the last hail storm”. Claim records show that Maytown and Marietta had severe hail damage back on  3/29/2009 and 5/14/2010. Now back to the…

Flood Zone Discrepancies

You pay alot of money to buy flood insurance.  Your lender should be satisfied if your limit of coverage is greater than or equal to your loan – Right? Not always. A client from Bainbridge PA had their loan papers audited by the lender.  The lender determined the property to be in high-risk flood zone A.  Our…