Get Your Coverage Updated Well Before a Storm

July 3, 2014||inPersonal Insurance|flood insurance, homeowners insurance, hurricane season, impending storm, personal insurance, personal property


Wayne Texeira, Marketing Director, CFMP, AINS, AIS, API

With Hurricane Arthur raging up the Atlantic coast today, those of us in New England can be grateful that although Arthur is dampening some 4th of July celebrations, the storm is predicted to stay offshore, which will hopefully minimize any damage.

Get Your Coverage Updated Well Before a Storm
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

That said, it’s a great time to remember that if you need to update your insurance protection, you must do well before an impending hurricane. Generally, insurance companies will not allow increases to residential or commercial property coverage limits when a storm is imminent.

If you’ve made significant property improvements, expanded with an addition, built a garage, etc., it’s essential to contact your agent and review the changes and ensure that your property coverage limits are up to date so that you’ll be adequately covered should a loss occur.

In addition to property values, flood insurance is another type of protection you need to have in place well before a storm.  There is a 30-day waiting period after you have purchased a flood policy before the protection goes into effect.   So, generally, if you purchased flood insurance today, July 3rd, the policy wouldn’t provide coverage until approximately August 3rd.

With our busy lives, it’s so common to have a list of things to do that we keep putting off.  So, if you’ve had some policy changes you’ve been meaning to make, we encourage you to move those up the list so that you’ll be covered if something happens.

Learn more about Flood Insurance.

Read Other Blog Posts

Car in snow

Tips for Driving in Extreme Weather

Driving in adverse weather conditions can be downright nerve-wracking. It can also be very dangerous. Being aware of how to modify your driving during heavy rain, snow and fog can help you stay calm and safe during your journey. Consider the following tips when driving in extreme weather.
Read more
Ice Dams A Winter Challenge for Homeowners

Ice Dams: A Winter Challenge for Homeowners

Read our blog post, Ice Dams: A Winter Challenge for Homeowners for some great tips on preventing ice dams and what to do in the case of ice dams on your roof. Ice dams are more than just an inconvenience—they can cause significant damage to your home. While prevention is the best strategy, ice dams can still form despite your efforts, so having a response plan is crucial. Ice dams occur when attic air warms to above freezing, causing snow on the roof to melt. As the water runs down the roof and reaches the colder edges, it refreezes, creating an ice dam. These dams block water from draining off the roof, causing it to pool and seep under shingles, into the attic, or along exterior walls.
Read more
Driving car

Does My Insurance Cover Pothole Damage?

Although potholes may be unavoidable, vehicular damage doesn’t have to be. Consider the following guidelines for avoiding pothole-related damage.
Read more
Frozen Pipes

How to Help Prevent Frozen Pipes

Frozen pipes can be an unnoticed danger, often going undetected until the weather begins to thaw. Here are some tips on how avoid frozen pipes and what to do if a pipe freezes.
Read more
Fireworks

New Year, New You: Top 10 Personal Insurance Tips

As the new year kicks off, it’s a great time to check in on your personal insurance. Life changes quickly and making sure your coverage keeps up can save you stress down the road. Here are 10 helpful tips to help you feel confident and protected this year.
Read more
People celebrating

Hosting Holiday Parties Responsibly: Tips for Personal & Business Gatherings

While it’s easy to get caught up in the fun, taking some simple precautions can prevent mishaps and protect you from unexpected situations. Here are some practical tips for hosting a safe and successful holiday party, with a focus on being prepared.
Read more
Holiday Decorations

10 Tips for Disaster-Free Holidays

From mishaps in the kitchen to accidents involving decorations, a little preparation can go a long way in ensuring your holidays stay merry and bright. Here are ten tips to help you enjoy a safe and disaster-free holiday season.
Read more
Map & Passport

Travel Smart: Holiday Safety Tips for Your Seasonal Adventures

Between the packed highways, bustling airports, and unpredictable weather, holiday travel comes with its fair share of challenges; here are some fun and practical tips for staying safe while traveling this holiday season.
Read more
Snowy Neighborhood

Protect Your Property This Winter: Tips to Prevent Costly Damage

From frozen pipes to roof collapses, the risks of winter property damage are real for both residential and commercial property owners. The good news? Many of these issues can be avoided with proactive steps that save you money and help keep your insurance premiums manageable.
Read more

Visit Our Homeowners Insurance Page

Homeowners Insurance

At Murphy Insurance, we take great care in assessing your options for homeowners insurance to ensure that you receive the most favorable value. Our dedication to serving you entails collaborating with highly-rated insurance providers and conducting comprehensive assessments of available choices. Our goal is to achieve the ideal equilibrium between affordability and coverage that suits your unique needs. Please let us provide you with a customized homeowners insurance quote.