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Facts about Flood Insurance

07/27/10
  1. A Homeowner's policy seldom covers flood damage.

  2. Government aid is available only if the President makes an official disaster declaration.

  3. The average grant is less than $2,500.

  4. You are 9 times more likely to experience flooding than fire in your home.

  5. Almost 25% of all Flood claims come from low to moderate risk areas.

  6. 90% of all Presidentially-declared natural disasters include flooding.

  7. There is a 30 day waiting period on a new flood policy unless required by your mortgage company.

  8. If you receive a federal grant from a flooding loss you must purchase a flood policy to qualify for future aid.

  9. Only if your home has been totally destroyed would you qualify for temporary housing.

  10. If you live in a high risk area you have a 25% chance of flooding during the life of a 30 year mortgage.
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ANNOUNCEMENTS
Mopeds and Scooters


Effective October 1st, 2012, the State of Maryland will begin requiring all mopeds and motor scooters, regardless of engine size, that are operated on public highways to be titled and registered by the Maryland MVA as well as requiring all operators and passenger to wear protective headgear and specified eyewear.  Owners of these vehicles will also be required to purchase and maintain the appropriate insurance.  Contact us today for a no obligation quote for insuring your Scooter, Moped, Motorcycle, ATV or any other motorized vehicle.
Hurricane Season


Now is the time to prepare for what is predicted to be an active season. Although the tropics are quiet now, meteorologists have predicted 11-12 named storms, 5-6 hurricanes and 2 major hurricanes this year. Click here for more information about the 2012 Hurricane Season Forecast.
Health Reform


Health Reform – Learn how it will affect you!
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Travel Insurance


Protect yourself when you travel.  Vacation, Temporary Worldwide Medical, Permanent Worldwide Medical, and Emergency Medical Evacuation Insurance. Click here to review and purchase Travel Insurance!
Spring Flooding


All it takes is a few inches of water to cause thousands of dollars of damage. Click here for helpful preparedness tips from Ready.gov and start preparing today.
Carbon Monoxide


More than 400 people are killed each year in the United States from carbon monoxide poisoning. Click for more information.
Employment Practices Liability


Employment Practices Liability is an important coverage that businesses should have.  Click here to see some claim examples.
Gold Key Designation


Encompass Insurance has recognized Horenberg Insurance Services, Inc. as a Gold Key Agency.  The Gold Key designation is the company’s recognition of superior performance. Read more...
Directors & Officers Liability

Just like public companies, private companies and their directors and officers are vulnerable to lawsuits. According to a recent CHUBB study, the average loss (settlement, judgement, and legal costs) was $225,682. To find out more about D&O Liability coverage click here

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