Flood Insurance for Homeowners

Here is an excerpt from a new blog post at GreggMarcus.com:

When thinking about purchasing a homeowner’s insurance policy, depending upon your location, you may need to greatly consider purchasing a flood insurance policy. As most homeowner’s insurance policies do not include a flood insurance term, there must be a separate agreement purchased. If you are anywhere near the water or live in an area in which is a vulnerable to torrential downpour you should greatly consider purchasing a separate flood insurance policy to protect your home and yourself! In this post, Long Island Insurance Executive, Gregg S. Marcus will explain why it is more than recommended to purchase an insurance policy to protect you from the harms of flooding.

With the hurricane season being quite devastating during the past few years, we should be quite concerned about weather related risks to life and property around the summer time. The Federal Emergency Management Agency, commonly known as FEMA reminds residents all around the country to protect themselves and their properties by being readily prepared for such instances, this includes the acquiring flood insurance.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

HOW TO: Reduce Basement Flooding Risk

Here is an excerpt from a new blog post at GreggMarcus.com:

It is not uncommon for rain showers to wreak havoc on any home’s basement, no matter the location. Simply resolving an obvious gutter or downspout leak can solve most basement water problems. Though a few water problems may have some causes that are difficult to identify and fix. In this post, Long Island Insurance Executive, Gregg S. Marcus, explains how most basement flooding issues can be solved using three basic steps: Evaluate, Inspect, and Install a Solution.

Evaluate the Problem
It should be noted if you cannot locate the source of the problem yourself that it is important to contact a professional. In order to properly evaluate your problem you must answer these questions:

• Does the basement flood every year at approximately the same time?

To read this post in it's entirety, click here to visit the Gregg Marcus official website.

Is Removal of a Tree That Fell on my Roof during a Storm Covered by Homeowner’s Insurance?

Here is an excerpt from a new blog post at GreggMarcus.com:

With Hurricane season still in full swing, chances are we will get hit with at least another bad storm this year. It is important to know if your homeowner’s insurance covers issues like these. If a tree falls onto your roof during a storm, your homeowner’s insurance policy WILL cover the repair of your roof as well as some, if not all, of the cost of tree removal. However, had the tree not hit your roof, your insurance may not cover any of the tree removal charges. In this post, Gregg S. Marcus, a Long Island Insurance Executive, explains what steps to take after a tree falls on your home’s roof during a storm. 

ROOF DAMAGE
The first thing you need to do is contact the insurance company to report the damage. You should do this right away! Many insurance providers have 24/7 claims hotlines; so don’t hesitate to call them at any hour to let them know about any storm damage. The insurance company will want to send an adjuster out to your property to conduct an inspection, but you should also keep a record of the damage by taking pictures and/or videotaping the relevant area of your home.

To read this post in it's entirety, click here to visit the Gregg Marcus official website.

Preparing Your Home for a Flood

Here is an excerpt from a new blog post at GreggMarcus.com:

The premiums you pay on your homeowner’s insurance can vary by hundreds of dollars; depending on the insurance company you buy your policy from. Gregg S. Marcus, a Long Island Insurance Executive, gives you five other important things to consider when buying homeowners insurance.
1. Raise Your Deductible A deductible is the amount of money you have to pay toward a loss before your insurance company will start to pay the claim, according to the terms of your policy. The higher the deductible, the less money your insurance premiums will be! Currently, most insurance companies recommend a deductible of at least $500. If you can afford to raise your deductible to $1,000, you may save as much as 25% off your premium. Depending on where you live, there may be separate deductibles for certain kinds of damage. For example, if you live in an earthquake-prone area, your earthquake policy has its own deductible.

To read this post in it's entirety, click here to visit the Gregg Marcus official website.

Hurricane Irene has Passed, but the Risks Have Not

Here is an excerpt from a new blog post at GreggMarcus.com

Exhaustion, Injury, Stress – take precautions to avoid these post-disaster risks.Just because the storm has passed, does not mean the risks have as well. It is important that you continue to take care of the health of both you and your family.
Exhaustion Avoid exhaustion by pacing yourself. While you may be anxious to finish any clean up and get life back to normal as soon as possible, don’t over exert yourself. Set goals and maintain a reasonable pace. Take care to drink plenty of water, rest and eat well. Remember the old adage, “slow and steady wins the race.”

To read this post in it's entirety, click here to visit the Gregg Marcus official website.