Emergency preparedness has become an issue that many are more aware of, and awareness/preparedness is a great step for people to take! Being prepared is a big part of successfully weathering a storm, emotionally and physically. While 75% of Americans have an emergency preparedness plan it may be surprising to know that of those prepared … Continue reading Planning and Practicing Your Emergency Response Procedure →

Fortunate or not the plain fact is that we, as humans, are not able to single handedly control the weather. Rains fall, winds blow, banks burst and floods happen.  While these natural events are not in your control, protecting your home from them is, and that includes flooding preparedness. First things first: make sure your … Continue reading Preparing Your Home for Potential Flooding →

Personal Liability Insurance Often when we think of the perils that come along with home ownership we think of natural disasters, theft, fire, flood damage and so on. But have you thought about the impact of a personal liability claim? A standard homeowners policy usually provides some level of personal liability insurance but it’s important to … Continue reading Do You Have the Personal Liability Insurance Coverage You Need? →

All homeowners know that annual home maintenance is a must, a labor of love that can be a little less laborious if you incorporate seasonal home maintenance to your yearly routine. While doing a full on home maintenance inspection would be great to do every season, this is a list of the most important ones … Continue reading Summer-to-Fall Home Maintenance Tips →

After a place of business is hit with a loss, there are two challenges a business owner will face: The clean-up (and work related to re-opening your business) Preparing, submitting and proving a claim to their insurance company, a responsibility that lies on the insured. Both tasks are daunting, and just as you would hire … Continue reading Securing a Settlement After Your Business Suffers a Loss →

Looking at the fine print of what your homeowners policy is obligated to do for you in case of a peril is an important part of understanding your policy, but looking at what you’re required to do for them is even more so. A homeowner’s policy will require terms for you to comply with and … Continue reading Policy Term and Conditions →

If you’re building a home, the time to insure it is before construction begins. Your home is at a different level of risk during construction and therefore requires different coverage before its completion. Although it may seem like an unnecessary financial burden to own two homeowners policies at the same time (one for the home … Continue reading Protecting the Home of Your Dreams During Construction →

In light of the recent brush fires that destroyed acres of land damaged numerous homes in New Jersey last week, this week we’d like to focus our blog on the process of claims and preparation for fire damage to a home or business. Last week South Jersey was hit with a number of brush fires … Continue reading Filing a Fire Damage Claim →

We protect ourselves for the worst case scenario and hope that we never have to live through it. But it did… now what??? Filing a claim is new terrain for most, and preparing one right after a devastation makes it feel all that more overwhelming. But since the responsibility of preparing your claim lies on … Continue reading Disaster Struck, What Now? Steps to Secure the Settlement You Deserve →