Are you already tired of hearing about the earthquake that shook the East Coast yesterday? Well, this is one bit of information that will hopefully make you stop and think, “Does my homeowners or business policy cover damage caused by an earthquake?”. Did you know that Standard homeowners and business insurance policies exclude damage to [...]
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Did you know that June thru November is the “official” hurricane season in the United States? Oh, and just in case you forgot, we are already into the first week of June! During hurricane Isabella some shingles blew off my roof and water blew in my patio door damaging hardwood floors. Very small potatoes compared [...]
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The National Fire Protection Association indicates house fires are the leading cause of all fire deaths in the United States. According to the NFPA, there were 403,000 residential fires in 2008, resulting in 2,780 deaths and 13,560 injuries. The NFPA acknowledges cooking as the leading cause of house fires in the United States and heating [...]
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There are many different forms of personal insurance. The reason for the wide variety of offerings is that each type of personal insurance insures a different thing. Homeowners insurance insures a persons home and valuable possessions that are kept within that home. Life insurance covers the person for the possibility of his death. Health insurance [...]
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Most Homeowners and Businessowners in Maryland and its surrounding states are NOT prepared for Earthquakes! The 3.6 magnitude earthquake felt in the Washington, D.C., metropolitan area on July 16th had its epicenter in Gaithersburg, Maryland. While no damage was reported, it is a reminder that in the United States about 5,000 quakes strike each year. [...]
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The extensive damage caused by the water-main break in Dundalk last week has lead to many coverage questions and potentially erroneous interpretations. Normally this type of loss should be considered a flood, and in order for there to be coverage there must be a Flood Policy in effect. This was confirmed by the Maryland Insurance [...]
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