Who pays Deductible? – Q & A part 1

Incident: Mary lives in Happy Beach Condominium in Maryland. Mary’s washing machine overflows when she is trying to wash her big, thick beach towels. Water flows to Mary’s neighbor below and causes damage to Mary’s and the neighbor’s unit. Happy Beach Condominium’s insurance policy will pay for the damages to the unit. Mary has purchased…

Flooded with Flood Changes?

Changes haven’t stopped yet. Please keep reading. On April 1st the NFIP rate and fee increases will occur as policies renew. On July 16, 2015 our local area is experiencing map changes that go in effect. Currently, lenders are refining (a fancy word for changing) the requirements for flood insurance coverages. This is where it…

The Big Thaw. We’ve got you covered.

It didn’t stay 9 degrees. As the weather warms and pipes melt, you may need us. If you need to report a claim, there are several options: Website: http://www.ascd.net/client-service/report-a-claim Email: cwest@deeleyinsurance.com Phone: 410-835-2000 Emergency Number: 443-523-6472 Helpful Reminders: Several carriers will not insure a freeze loss if the unit or home is not kept at…

Do you need a flood insurance advocate?

Since 2012 there have been lots of changes to the National Flood Insurance Program. It has been confusing for homeowners and policy holders. FEMA announced an Interim Office of the Flood Insurance Advocate on December 19, 2014. The advocate will be tasked with offering specialized assistance to citizens who have issues with the NFIP. The…