Tag: flood insurance

Catastrophes And Challenges Impact Commercial Coverage Rates

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Commercial Insurance Coverage and Rates

With the New Year ahead, it’s a good time to glance in the rear-view mirror and consider what businesses and individuals have faced this year from an insurance point of view, as well as what one may face in the coming year. We’ve taken time in the past few months to review items like various homeowner endorsements, flood insurance, and the impact high-tech autos have on insurance rates. We are…

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Homeowners Insurance Endorsements

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Homeowners Insurance Endorsements

Undoubtedly, as 2017 proceeded, Americans have been alerted by the historical weather events Harvey, Irma and Maria which occurred from August 25, 2017, through September 16, 2017. And many homeowners have been shocked to learn that perhaps their homeowner policy and their respective endorsements were lacking in certain ways. How about you? Do you understand your homeowners insurance endorsements? Our regular readers, know that over the past few years we…

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Alert: Do You Have Flood Insurance Coverage?

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Do You Have Flood Insurance

On late Friday, August 25, 2017, category 4 Hurricane Harvey made landfall in Texas. It’s safe to say, since that evening the clear majority of people across the country have continued to closely follow the news bulletins. Particularly if their friends and family were impacted directly by the hurricane and subsequent flood damage as Harvey stalled and became an historic tropical storm. Now many are trying to answer the question:…

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3 Costly Mistakes Restaurant Owners Make (That You Can Easily Avoid)

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Restaurant Kitchen Scene

Were you born with an unrelenting entrepreneurial streak? Thinking about quitting your 9 to 5 desk job to open your own gastropub or neighborhood pizza joint? If so, kudos to you! While you’ve probably heard anecdotal stories about how it can be challenging to build up a loyal base of patrons it is, in fact, entirely within your reach. While it may not be easy for some, you shouldn’t let…

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Are You Prepared for a Flood?

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Rain and flood warning

The weather is anything but predictable. While you can’t control what happens in life, you can protect your home and your family by having a plan in place in the event that your community experiences an extreme weather event. You might be surprised to learn that floods represent one of the most common natural disasters. And, it’s one of the costliest weather events for homeowners. On average, most flood insurance…

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Flood Insurance Changes

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street flooding

It is a true fact that flood insurance is about to change the way we live, because it will affect many household and commercial pockets. Flood insurance of course is not covered under your homeowners policy. The National Flood Insurance Program was established in 1968 to provide affordable flood insurance to those living in high risk flooding areas. The reason it was created was to protect mortgages backed by the…

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Water Damage

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Unfortunately, water damage like the picture above shows what is not covered under your homeowners policy. It can be confusing on what kind of water damage your insurance covers. Always check with your independent insurance agent if you have any questions about coverage. Homeowner’s policies usually do not cover floods and damages that happen because of them. Floods would be covered under flood insurance. Also, if water seeps into your house…

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Knoxville gets rained on: Are you covered for Flood insurance?

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photo credit: scazon Due to all the recent downpours we have had lately, people may be wondering what to do in the event that their home gets flooded. The reality of this situation is that most standard homeowner’s policies DO NOT cover flood losses. It requires it’s own policy. Give us a call and we can review your policy for you to let you know if you are covered in…

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Meet Craig Runger

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In order for you to get to know the John Bailey Co. team better, we will provide agent bios over the next few weeks. Starting off is one of our commercial lines representatives’ Craig Runger: Craig is the trucking insurance expert of JBC. You can also find him coaching AYSO soccer outside of the office. While in the office Craig also likes to heat up fried rice and egg rolls…

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