Human caused disasters and natural disasters occur in every state. California has earthquakes and wild fires, Colorado has flooding and wildfires, the Northeast has winter storms and high winds, Florida has flooding and hurricanes, and the Midwest has flooding and tornados. Insurance And Disasters It is safe to say that most business and homeowner’s insurance policies do not cover the risks associated with disasters. The only exception would be damage caused by wildfires. Let

We are moving into Hurricane season and we to remind you of how important it is to have the right kind of insurance and to be prepared. Hurricanes bring two big problems: water and wind. Depending on where you live, you may need to buy these separate policies in order to cover hurricane damage: Flood insurance: No homeowner’s insurance policy will cover floods, including water from a storm surge. To get coverage, you’ll need flood insurance. Windstorm insurance: Homeowners in

Many Texas homeowners go without flood insurance. Many figure the odds are low that anything will happen. Some people may think that a flood is covered under their current policy. Let us correct you; unless you have added the coverage, it is excluded. We agree that the probability is low, none the less, it does exist. Now is the time to consider Texas flood insurance. Some mortgage companies may even require flood insurance, depending where your home is located. Let Shepard

Remember, your homeowners insurance may or may not cover the next disaster, so it is a good idea to have our team complete a personal insura