As a homeowner, it’s essential to understand what types of hurricane damage are covered by your homeowners insurance policy and what additional endorsements or policies you should consider to ensure that you’re adequately protected. Types of Hurricane Damage Covered by Homeowners Insurance Policies Most homeowners insurance policies provide some financial protection against damage caused by…
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Fall brings cooler weather, when you can comfortably do necessary home maintenance before winter arrives. By taking the time to maintain your home each season, you can keep your family safer, keep common household problems at bay and improve your peace of mind. DIG Deeper Check out our Fall Maintenance Checklist. And for more Fall…
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According to the Federal Emergency Management Agency, floods are one of the most common natural disasters in the United States. Even small streams, gullies, creeks, culverts, dry stream beds or low-lying ground that appear harmless in dry weather can flood. What’s more, it only takes an inch or two of water to cause major damage…
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The Best Employers Consider The Whole Person In A Workers’ Compensation Claim Incident People are the backbone of any business. And when injuries and accidents occur in the workplace, it’s a real loss on many levels. What if you must file a workers’ compensation claim? And more importantly, how can you prevent them in the…
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Community Associations Institute (CAI) released revised guidelines for Reserve Study Standards in May of 2023. The update recommends adding two supplemental reports to reserve studies: A Preventive Maintenance Manual Periodic Structural Inspections These reports would be incredibly helpful to maintain buildings as the Boards and/or Management changes. Maryland, Delaware and Virginia each have reserve study requirements…
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FEMA reported that more than 20% of flood claims come from properties outside of flood zones. This means it’s important to take precautions to protect your property before a flood occurs, even if your business is located outside a typical flood zone. Here are some tips to prepare your property for a flood: Create a…
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Hotter temperatures can lead to increased tire wear and blow-outs, experts warn, which makes maintenance during the summer months all the more critical. “Heat is the number one enemy of the tire, so summer heat can make it a tougher battle to keep tires running at acceptable operational temperatures,” said Penske Truck Leasing Senior Corporate…
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Marijuana, derived from the Cannabis sativa plant, is classified as a Schedule I substance under the Controlled Substances Act, indicating it has a high potential for dependency and no accepted medical use. Although isolated components of the raw marijuana plant have recognized medicinal uses, smoking marijuana has not passed the Food and Drug Administration’s rigorous…
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Contractual risk transfer (CRT) is a risk management technique that allows a business to shift potential liability to another party through a noninsurance contract or agreement. This mechanism aims to transfer risk to the party that is better equipped to manage and control it. While insurance is the most common method of risk transfer, CRT…
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The 2023 Legislative Session in Annapolis has ended and the Community Association Institute MD-Legislative Action Committee (CAI MD-LAC) screened more than 3,000 bills introduced and tracked 87 that were of interest to the Community Association community. Effective Oct. 1, 2023, Maryland HB98/SB403 allows detached condominium units to obtain property insurance coverage as HOAs, with unit owners…
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You are about the leave our site and submit the information to pay your bill. A licensed agent from our team will need to process your payment to make it official – we cannot bind coverage via web request. Let us get to work for you. Want to talk? Call us. 410-213-5600
Client Support Team
SCD Intermediaries
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