The Russell Agency, LLC Blog
All You Ever Wanted to Know About Insurance
No such thing as a no-flood zone
Thursday, October 6, 2022
Connecticut has had its fair share of flooding from the Great New England Hurricane of 1938, to the floods of 1982-during which up to 16 inches of rain fell between June 4-7. The heaviest rains hit south central...
Avoiding Water Issues in Your Home
Friday, May 6, 2022
Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew...
The NFIP: What homeowners should know
Thursday, September 30, 2021
The National Flood Insurance Program makes flood insurance available to homeowners. Mortgage lenders require many homeowners to purchase the flood coverage. Even if you are not required to purchase flood coverage, it...
What you don’t know about floods may hurt you
Monday, May 3, 2021
Melting snow and spring rains mean that there can be a lot of water accumulating, which can cause flooding-even in areas that haven’t been prone to flood in the past. Remember, even if you live in a “1-in-a-500-years”...
Should I Stay or Should I Go? Hurricane Edition
Monday, July 6, 2020
During hurricane season, coastal residents should make it a priority to be prepared for anything. Hurricanes are serious storms that can devastate acres of land- taking wildlife and homes along with it. Many who live...
Top Ten Insurance Tips for Hurricane Season
Monday, June 29, 2020
2020 is predicted to be an active hurricane season. Don’t be caught unprepared! These steps will help you minimize hurricane damage and get back on your feet if you are struck. Just as hurricanes come in many shapes and...
Flood damage: is my home covered? Part 2
Friday, June 26, 2020
Would flood insurance cover seepage of water into my basement? It would in certain circumstances. An NFIP policy covers the “unusual and rapid accumulation or runoff of surface waters....” So, if there is no surface...
Flood damage: is my home covered?
Monday, June 22, 2020
Is my home insured for damage that may result from flooding caused by a hurricane or other storm? Not necessarily. Generally, coverage provided by a standard homeowners policy does not include damage caused by flooding...
5 Things Homeowners Need to Know in Preparing for Flood Season
Thursday, June 11, 2020
5 Things Homeowners Need to Know to Prepare for 2020’s Flood Season Flood season is upon us. According to the National Oceanic and Atmospheric Administration, this flood season promises to be a wet one, with 23 states...
Questions that homeowners may have about their property-loss claim following a catastrophic event
Monday, May 18, 2020
Your property insurance covers many events that can cause damage to your property. Unfortunately, not every event is covered. Earthquakes, floods and power blackouts are examples of events typically excluded without...
It might be time to spring clean your insurance
Friday, May 8, 2020
Spring may be the time of year for cleaning out closets and drawers and organizing attics and cellars, but it also is a great time to clean up your insurance coverages. It is important to look at your insurance coverage...
Flooding Will Double Worldwide by 2030
Monday, May 4, 2020
Hurricanes and Flood....Oh My!!!
Friday, May 1, 2020
According to H. Jackson Brown Jr., “the best preparation for tomorrow is doing your best today.” At our agency, we strive to do our best to help you prepare for your tomorrow-especially if your tomorrow includes a...
Above Normal Hurricane Season Projected
Monday, April 20, 2020
An atmospheric scientist at Colorado State University, Dr. Phil Klotzbach, has issued an early forecast of 16 named storms, eight hurricanes and four major hurricanes for the year 2020. He predicts an above average...
Attention Builders: New Freeboard Requirement Effective January 2021
Friday, April 10, 2020
The objective of the Community Rating System (CRS) is to recognize communities that are doing more than meeting the minimum NFIP requirements to help their citizens prevent or reduce flood losses. The CRS also provides...
FEMA Extends Grace Period for Payment of National Flood Insurance Policy Renewals due to COVID-19 Pandemic
Monday, March 30, 2020
The Standard Flood Insurance Policy (SFIP) provides that the term of the policy commences on its inception date and ends on its expiration date. To avoid a lapse or reduction in coverage, a National Flood Insurance...
Are You Covered?
Monday, March 30, 2020
When it comes to protecting the things that matter most to you-your home, your jewelry, your life-it’s important that you consider what types of insurance will cover you best, and you need to know ahead of time the...
What is the Most Common Natural Disaster in the U.S.?
Friday, March 27, 2020
The answer is flooding. If your home sustained damage due to a flood, would you have coverage? You might be thinking-of course I would have coverage. I have a homeowners policy. You aren’t alone in thinking that, but...
House Introduces Bipartisan Bill to Address Reptitive Loss Properties
Monday, February 17, 2020
Bipartisan legislation, the Repeated Flooded Communities Preparation Act,was introduced in the House of Representatives last week in an attempt to address repetitive loss properties covered by the National Flood...