Understanding the Difference Between Flood Damage and Water Damage

Homeowners policies do not cover all types of water damage. While the terms of your policy will determine what types of water damage are covered and the amount of coverage available, typically homeowners policies do not cover flooding. The Standard Flood Insurance Policy, available for purchase from the National Flood Insurance Program (NFIP), defines “flood”…

Effects of Humidity on Our Homes

In 2018, our region experienced an upsurge in reports of mold growth, coinciding with excessive rain and high humidity levels. As the temperatures soar and the humidity rises, the Insurance Information Institute offers these tips to prevent excessive mold growth. Use the air conditioner and/or dehumidifier to keep humidity levels between 30 and 60 percent.…

Be Prepared Before Disaster Strikes

The Maryland Insurance Administration encourages residents to be prepared for natural disasters by reviewing and understanding their insurance coverage and by considering the purchase of flood insurance.   Before a Storm Arrives Prepare an inventory of your home and be sure you have current information about your homeowners insurance policy. If you are evacuated, be…