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Flood risk and climate change are important factors that shape our environment today. It has become imperative that we follow these trends closely because they deeply affect our lives. Using risk maps can help insurers identify areas that are prone to floods or other natural disasters and use this data to set premiums and other details that help to improve
Protecting your property from mass-destruction events. A number of disasters are covered by your homeowners insurance, however, every policy has its limits. Most standard homeowners insurance policies exclude flood and earthquake damage because they are considered mass-destruction events. If you live in a flood zone or an area prone to earthquakes, you will need to purchase separate flood insurance
Before it comes to filing a claim with your insurance company, it is important to know if you have coverage for the loss. Flood insurance is often tricky because a flood to you might not constitute as a flood to your carrier. At Abbate, we strive to protect our clients by placing them with the right coverage for their home, business, car, or
Have You Fully Protected Your Home? You have taken out a homeowners insurance policy to protect your home. That gives you peace of mind, knowing that the structure itself, as well as all of your personal property, are protected. What you may not consider, though, is that there are some areas into which your standard policy will not extend. To
Water Damage Prevention Water backing up into your house can be a very serious issue. Along with trying to salvage any items that were damaged by the rising water, you may also have to deal with mold and mildew issues. Water backup happens when the amount of water that is around the foundation of your home is more than your
Looking for the right insurance policies, from your homeowners insurance to your auto insurance can be much easier said than done. With thousands of policy choices, it can be difficult to make sure that you are investing in the right policies for your needs. Luckily, your insurance agent will work to be your best friend when finding you the right coverage. There are
Flood Insurance Basics Your existing homeowners insurance policy will provide coverage for many unfortunate situations. However, it will not provide protection from any peril that you encounter. A home insurance policy will not provide coverage for damage that is caused during a flood. The only way to protect your home and belongings is to invest in a separate flood insurance policy.