President & Advisor-Overmyer Insurance Agency/Providing tailored and comprehensive commercial and business insurance solutions/Cyber Liability/Professional Liability/EPLI
🌪️🌧️ The 2024 Hurricane Season is officially here, and NOAA forecasts an active one, especially for the Atlantic Seaboard. Are you ready? Here are our tips to be prepared and ensure you have the right insurance protection on your home or business this year: 🔍 Review Your Insurance Coverage: Hurricane/Windstorm Deductibles: These are separate from your standard deductible and can be a percentage of your home's insured value. Ensure you know what you’ll need to pay out-of-pocket if a hurricane hits. Flood Insurance: Remember, most flood insurance policies have a 30-day waiting period before they take effect. Don’t wait until the storm is on the horizon to get covered. Water Backup Coverage: This protects you if your sump pump fails due to power loss, mechanical failure, or being overworked during a large rainstorm. If you have a finished basement, consider increasing your coverage, as standard policies often have low limits for water backup and sump pump failure, which may not be enough to cover extensive damage. OIA is here to help, and now is the time to get prepared. 🏠 ⚠️ Call or click anytime! -Your Indie Agent Adam OIAnow.com 908-476-8685 #hurricaneseason #riskmanagement #insurance