Elementary Insurance Agency

Hurricane season is here again! Don't wait until panic sets in when the hurricane arrives to change your insurance carrier. Some insurance policies take up to 30 days to take effect, such as flood policies.   It is always ideal to secure coverage well before any storms, therefore homeowners will be insured and worry free. It is easy to think that switching carriers during a hurricane is simple, but quite the opposite. Instead of switching carriers and getting a new policy in the hurricane season, STAY with your carrier but make sure to update any renovations that the insurance carrier may not be aware of.  Binding Prohibitions, or moratoriums, are meant for high-risk areas and are published by insurance companies. Moratoriums are issued by insurance companies 24-48 hours before a hurricane and may stay in effect 24-78 hours after a hurricane has occurred.  To avoid these concerns, try to set your renewal date for January or February and double check your coverage wel...

Hurricane season is typically June through November. Hurricanes at a category one or two aren’t severe. But, for hurricanes that reach category four or five, these can be catastrophic and sometimes fatal. If you own property along the eastern seaboard, you know that this can mean potential damage to your home. Now is the time to revisit and familiarize yourself with your current insurance plan and coverage options before extreme weather conditions happen, so you can best protect your home and assets. Before we discuss insurance advice, let us go over some hurricane season tips. Tips For Hurricane Season Before Talk with your family about what to do if a hurricane strikes. Discussing hurricanes ahead of time helps reduce fear, particularly for younger children NOAA Radio Stations are a great way to informed Protect windows with permanent storm shutters or invest in one-half inch marine plywood that is pre-cut to fit your doors and windows.   ...