An Evacuation Plan!

I have lived and worked in Worcester County, Maryland all of my life. In my lifetime, I have evacuated on three occasions. I have been forced to “shelter in place” or stay home more times than I can count. I have learned to find friends who have generators, boats, and construction equipment that can get…

Know Your Stuff!

Have you performed a home inventory? Keeping a list of your personal property with videos and pictures is recommended to all homeowners when buying insurance. It makes the claims process go more quickly. Did you make the list? I’ve checked our office of insurance agents and about 10% of them have an inventory of what…

Document your Property & Belongings

In almost every blog I read about protecting your belongings, one common thread appears over and over. Document your possessions with photo and videos. This is supposed to help a claims adjustor replace your lost items. It is recommended by every insurance agent – at all times. Home or business common sense says – take…

Who pays Deductible? – Q & A part 1

Incident: Mary lives in Happy Beach Condominium in Maryland. Mary’s washing machine overflows when she is trying to wash her big, thick beach towels. Water flows to Mary’s neighbor below and causes damage to Mary’s and the neighbor’s unit. Happy Beach Condominium’s insurance policy will pay for the damages to the unit. Mary has purchased…

The Big Thaw. We’ve got you covered.

It didn’t stay 9 degrees. As the weather warms and pipes melt, you may need us. If you need to report a claim, there are several options: Website: http://www.ascd.net/client-service/report-a-claim Email: [email protected] Phone: 410-835-2000 Emergency Number: 443-523-6472 Helpful Reminders: Several carriers will not insure a freeze loss if the unit or home is not kept at…