Tuesday, December 23, 2008

Wow! That was fast!

Today we had a pipe burst and flood a major road here in Maryland/DC (see my post right before this one). It only took a few hours for me to receive this email. Enterprising fellow or...? I wrote him back and asked how he got my email, as I've never done business with this insurance company before, but he hasn't yet answered.

Good afternoon.

Right here in Northern Virginia, many of my clients have been calling this morning after watching the news about the water main break. Homeowners insurance does not cover floods.

And even a small flood can cost thousands.

All flood insurance is issued through the National Flood Insurance Program (NFIP), managed by the Federal Emergency Management Agency (FEMA), a component of the US Dept of Homeland Security. I am a Gold level trained agency with the NFIP, and have access to a ‘preferred risk’ flood insurance program.

You must be in a low to moderate flood risk area (which we are), and you can not have more than three water claims within the past ten years.

The cost is less than you think. Here are the different coverages available under the Preferred Risk program, all with just a $500 deductible.

Contents only coverage:

$30,000 personal property $93/yr or $130 with basement $60,000 personal property $129/yr or $181 with basement $100,000 personal property $177/yr or $221 with basement (this is the highest available under this program)

Building and Contents coverage:

$50,000 Building Coverage, $20,000 personal property $196/yr, $221 with a basement $150,000 Building Coverage, $60,000 personal property $296/yr , $326 with bsmt $250,000 Building Coverage, $100,000 personal property $348/yr, $388 with bsmt (this is the highest available under this program)

I have created a landing page within my website with additional information.

Once on this page, you can enter your contact info and property address (via ‘get a quote from Sean’ and I can get the process started. Most policies have a 30-day waiting period and is based on the application date.

The time to act is now.

Earthquakes in Italy, Floods in DC

There was another earthquake in Italy today, this one at a magnitude of 5.3. What made this one special is that it happened right where my sister lives! The epicenter is only 18 km from my sister's house, about 11 miles. The house shook, a bottle broke, my mom and sister got scared out of their wits but no major damage or injuries occurred.

Meanwhile, here in DC, at just about the same distance from my house that the earthquake happened from my sister's house, a huge underground pipe ruptured and flooded the aptly-named River Road with a four-foot wall of rushing frigid water this morning. Some people had to be lifted out by helicopter.

Mother Nature seems a tad upset today!