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Are You Hurricane Ready?

Even though Hurricane Matthew’s exact path is still uncertain it is better to be prepared than to be caught without a plan! Harry Levine Insurance is here for you if and when the storm strikes. As insurance professionals our job is more than just showing up to the office every day. Our job is to be there for our clients when they are in their most difficult moments.

We urge you to adopt a Hurricane Preparedness Plan (see below). We urge you to monitor the storm. We urge you to take photos of your home and belongings and to find your insurance policies. Keep them dry and safe! You will find a listing of all of our insurance company partners’ claims contact information here on our website. Please make a note of your carrier’s contact information.
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My Insurance Company Told Me My Roof is Too Old, is it?

You might have some roofing issues!

You might have some roofing issues!

 

  Q.  Why is my insurance company telling me my  roof is too old and that I need to replace it? It  looks fine to me!

A.  Keeping a comfy roof over your head is one of peoples’ highest priorities no matter where they are.  When it comes to homeowner insurance roofs can quickly become a lot more complication than just shingle or tile.  Insurance carriers have detailed data on how long roofs are expected to last, what are the most common causes of roof related claims, and which types of roofs tend to work best. 
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If My Power Goes Out Is My Food Covered?

is spoilage covered by insuranceI would like to thank one of our agents, Kathy Barton, with suggesting this question for our blog. This is a very specific question and if you have any questions on what exactly your policy covers make sure to call your agent.

Q.  I just went grocery shopping and filled my deep freezer and refrigerator right before the big storm hit. My power has been out for 2 days and all the food has spoiled. Will my homeowner’s insurance cover this?

A.  Your homeowner insurance may very well cover for spoilage of refrigerated property due to off premises power failure.  However, this is usually only by a special add-on that incurs an additional premium.  That means that you must request and pay for this specific coverage.  It is not part of most standard homeowner policies.  When reviewing your policy you should ask your agent what upgrades or optional endorsements, like spoilage coverage, are available through your homeowner insurance company.

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