Happy October!! Fall is in the Air!
Are natural disasters rare or common enough to buy insurance? We have seen the recent natural disasters in the United States and abroad, can cause a very large impact on our finances. If you were to fall victim to a natural disaster, could you pay for the damages out-of-pocket? Will your homeowners insurance provide adequate coverage? Could any of us depend on the government for assistance?
Standard homeowners insurance generally does not cover damage directly caused by either a flood or an earthquake. Federal disaster assistance is usually in the form of loans or grants and is only available if the damage is widespread and very serious, and the affected area is declared a disaster area by the Federal Emergency Management Agency (FEMA).
If you’re deciding whether to buy flood or earthquake insurance (or both), consider the following questions:
Get earthquake insurance quote by calling (702) 541-0882.
All Risk Insurance Solution, Inc. brokers can get the best quote out there because we represent you.
There are a couple of ways in which you can get insurance.
You can get it from a sales representative (aka. exclusive agent) or an independent insurance agent.
A sales representative or exclusive agent is a person who sells products on behalf of a company.
When you call the orange insurance company, their sales representative will help you find a plan that only the orange insurance company sells.
When you call the blue insurance company, their sales representative will help you find a plan that only the blue insurance company sells.
Insurance carrier plan sales representatives are required to meet quotas and may only represent one carrier.
The sales representative may enroll you with their plan, but generally you will speak to customer service if you need assistance.
You may never talk to the sales representative again once they have completed their job, which is to get you enrolled in “their plan.”
When you call Jim and Bonnie Grant, an independent agent who works for you, we will help find you a plan that’s best suited FOR YOU.
We are here to service you all year, every year, not just when we meet to sign you up.
We have no financial bias toward any one company.
As long as your benefits and costs are what you need them to be, we will both be happy!
Jim and Bonnie Grant
223 South Water Street, Suite B, Henderson, NV 89015
Call us for a quote at (702) 541-0882
Are you ready for a flood? How should you prepare?
What if an earthquake happens in NV? What should you do? Better yet... How could you prepare for an earthquake?
In an average year, 800 tornadoes are reported nationwide. Homes close to a tornado are often damaged or destroyed by wind, rain, and flying debris.
Before a tornado
You can’t make your home or business tornado-proof, but you can take steps that improve the odds of surviving the high winds. You may want to call on professionals for the more technical jobs.
Start at the top, your roof. Fix any areas that need repair. If you are planning to replace your roof, select materials that are designed to withstand high wind.
If you are planning to replace your windows, select impact-resistant window systems, which have a much better chance of surviving a major windstorm.
Anchor door frames securely to wall framing. Make certain your doors have at least three hinges and a deadbolt security lock with a bolt at least one inch long.
During a tornado
If a tornado is headed your way and you are in a building, move to an underground shelter or interior room or hallway on the lowest floor.
Stay away from windows and corners.
If you’re in your car, get out immediately and find safe shelter or lie flat in a ditch. Do not take shelter under an overpass or a bridge.
Flying debris causes most injuries and fatalities, so use your arms to protect your head and neck.
After a tornado
Heavy rain is often a part of tornadoes and windstorms. The longer your home is exposed to water, the more damage you’ll see to your roof, ceiling, walls and floors, as well as any personal belongings you have inside. It’s important to take some steps to protect yourself and your property from any further damage after a tornado.
While wildfires happen more frequently in the western United States, nearly every state has been devastated by fires in the last century. And each year, hundreds of homes are destroyed as more people choose to live closer to nature.
Before a wildfire
During a wildfire
After a wildfire
We’ve all seen the dramatic effect hurricanes can have, both the initial wind and rain and the floods and devastation that follow. There are steps you can take to stay safe and reduce damage to your property in the event of a storm.
Note that neither home nor business insurance covers flood damage from a hurricane, including floods from storm surges. Your local independent agent can help you purchase a policy through the National Flood Insurance Program.
Before a hurricane
During a hurricane
After a hurricane
Water is a major cause of damage after hurricanes. The longer your house is exposed to water, the more damage you’ll see to your roof, ceiling, walls, and floors, as well as any personal belongings inside. After the storm has passed, it’s important to dry out any water damaged inside your home.
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