Hi {first_name}, 

As your insurance expert, I wanted to take a quick minute to remind you that your homeowners’ insurance doesn’t cover flood damage.

Flood damage is any damage caused by naturally occurring water- it does not matter if it is one inch or ten feet of water! We’ve seen an increase in flood claims lately, and I wanted to make sure that you knew the coverage is available should you want to discuss it.

If you think you don’t need food insurance, here are a few reasons to possibly reconsider. There’s a lot of information here, and I’m happy to talk on the phone at 508-366-4894 if you have any questions.



MYTH: I’m not in a flood zone, so I don’t need flood insurance. 

TRUTH: Did you know that 75% of the homes damaged in Harvey were in a low risk food zone? Many did not carry insurance and had no coverage after this catastrophic event because they believed they would not experience a food. Government maps are outdated and are not keeping up with new construction.



MYTH: My mortgage doesn’t require it, so I don’t need it.

TRUTH: Banks only require food insurance in certain zones, but your mortgage holder is not a risk advisor and only cares about protecting their interest. A quarter of the losses recorded each year are out of the flood zones. In order to qualify for disaster assistance, the President must first declare a Federal disaster. If you qualify for disaster assistance, it is typically in the form of a loan which must be repaid with interest.



MYTH: I’m not in a place that has flooded before, so I’m safe.

TRUTH: Flooding can happen to anyone, in any location. Think for a second-has your street ever filled up with water because of a blocked drain? Do you have coverage if this water entered your home? Have you ever experienced heavy rainfall that your sump pump couldn’t keep up with? Additionally, heavy snowfall followed by rapid increases in temperature can cause melting which might result in water entering your home.



Again, I know that I just dumped a ton of information on you. I’m happy to talk more about your coverage. Feel free to email me or call my office (508-366-4898) and we can chat.

Making sure you’ve got the protection you can trust,
Patrick Tobiasson, LIA, AAI-M, CLCS, CPIA
Licensed Insurance Advisor
Accredited Advisor in Insurance Management
Commercial Lines Coverage Specialist
Certified Professional Insurance Agent

Dolan & Maloney Insurance Agency
508-366-4894

Coverage cannot be bound or altered via this device without confirmation from our office in writing. 
This email is sent to {email} by:
{{CompanyName}} {{Address}}

To unsubscribe from all future emails {unsubscribe}
To update your contact information please {contact_info_update}