Author Archives: Cynthia
Tips for Saving your Water Damaged Items
Hurricane Irene and her tropcial storm chasers ran through the northeast recently, leaving a lot of damage in their wake.
Check out these tips from FEMA about how to salvage water-damaged photos and other items.
Here’s another handy link, with info on salvaging your clothing items.
From what we hear, FEMA is offering low interest loans to those who have flood damage and whose insurance is not covering that damage. If you need to file a claim, go to their web site at www.fema.gov and fill out the application. You may need to file a claim with your insurance company and obtain a declination of coverage as well.
Row, row, row your Boat Insurance
When you think about Boat Insurance, what’s the first type of loss that comes to mind?
Sinking, of course. And this happens, probably more often than people realize. I was once told by an Ocean Marine guy at one of my companies that one cargo ship goes down, on average, every day somewhere in the world. I also have a close friend whose 28 foot Thompson sank AT THE DOCK. And this occurred because of a faulty .75 cent hose clamp.
The sea is a wild and wooly place. In February of 2010, a friend from our local firehouse was on board the S.V. Concordia when a sudden vertical wind blast capsized this beautiful ship. Luckily all those on board survived, but not before having to spend 40 hours in life boats. Click the picture for the story. It’s quite the tale.
After the recent hurricane blew through our area, we happened to head down to Calf Pasture Beach in Norwalk, Connecticut in search of a car show. The show had been cancelled, but we did get some pictures of these boats, on land, that had suffered from some other perils that many boat owners might not take into consideration.
Pretty obvious. This is a total loss by fire here. Boat fires can happen on land or on the water. We can’t know where this one occurred.
I think the wind got hold of this sailboat, and not in the positive, life affirming way its owner was planning on.
We’ve insured some of our customers boats for many years, with no incident. However, some of the claims we have seen include a dinghy floating out to sea, a $150,000 boat washed away by a storm and found later on the shoreline of an island, and something as simple as a sea tow.
These crafts often are a big investment, financially. They can also be a very important part of a lifestyle and the source of much enjoyment for their owners. When things go awry, I want to be able to tell someone they are covered. Hey, that’s what I do. I insure boats. 🙂
Hurricane Irene
Windham, New York, our old ski haunt, was hit pretty hard as well.
It’s difficult to sit here and say how surprised we all are by the ferocity of the hurricane, what with all the advanced warning we had for days on end. But I can say that none of us expected the extent of the damage that we are seeing. Two days gone, and we are still without power at home, and without communications at our office. Thankfully, my brother lives outside the damage area and I am sitting in his living room now, able to run my office remotely because of the beauty of modern technology.
The claims are, of course, coming in. Clients with trees on their homes, water in their houses, and various other losses not unexpected. We in this town have to count ourselves lucky though. Much worse has occurred both north and south of us. A relative living in a cottage in Rye lost almost everything he owns to over 4 feet of water, including his car which is now totaled. The water was up over the front hood. And a friend’s daughter lost her entire house in Catskill to the raging waters.
More to follow…unfortunately. Stay safe. Watch for downed trees and wires on the roads.
Business Owners
For your storefront business, or a small or large office, let us look for a policy that will cover you and get you back up and running if the unexpected loss occurs.
Commercial Liability
Protect your business from financial losses arising from damage to your property, the property of others in your car or from claims made by others.
Worker’s Compensation
Protect your employees from lost wages and medical bills in the event of an on-the-job injury. Most states require this coverage.
Commercial Vehicles
Cover your business-owned vehicles in the event of a loss while going about your busy day.
Contractors
Keeping business costs low starts with affordable business insurance.
And Many More…
Landscapers, Electricians, Plumbers, Restaurants, Bonds, Stores, Doctor’s Offices, NYS Disability, EPLI
Car Insurance
Automobile insurance is there to protect you in the event of an accident, whether it be a property or liability claim.
Homeowner’s Coverage    Â
Home insurance covers your home, property, and you in the event of a liability claim. It can cover your property while it is temporarily away from home.
Renters, Condos & Co-ops Â
Coverage for your property and personal liability are just as important if you rent, or own a condo or a co-op.Â
Personal Articles
Personal Articles floaters offer worldwide coverage for valuable items such as jewelry, art, furs, bikes & more.
Motorcycle & RV’s
Motorcycles, campers, ATVs and snowmobiles are a great source of enjoyment. Cover them for damage, theft and medical coverage for an injured rider.
Wedding Insurance
Cover lost deposits should plans go awry because of weather, sickness or other sudden events.
Business Insurance
Small & Large Business, Contractors
As business owners, just like you, we know that keeping business costs low starts with affordable business insurance. The important thing is having coverage when you need it: when a loss occurs. Click the link above to see some of the many types of companies we work with and be sure to contact us for a free quote.Â
Personal Insurance
Car, Home, Umbrella & More
You work hard for what you have, and covering yourself and your most prized possessions isn’t a “one size fits all” endeavor. Check out the many lines of personal insurance we offer and Contact us for a free, personalized quote for your home, autos, personal liability needs and more.
