Tag: insurance

  • Photo courtesy http://blue-mud.net/phsFloodRecedes.html

    As residents in North Carolina and South Carolina are reveling in the wake of Hurricane Florence, the waters are still rising in certain areas even after the rains have stopped.  I was listening to the radio this morning and a caller from South Carolina was being interviewed.  His home town was protected by 2 levees from two neighboring rivers.  Unfortunately, both of those levees failed and his hometown was flooded.  Since FEMA maps did not speculate a flood ever occurring there due to the levees, the majority of the town did not have flood insurance.

    The National Flood Insurance Program (NFIP) defines a flood as, “A temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.”   If your home is involved in a situation like this, homeowner’s coverage will not protect you.  Flood insurance would be needed.  Flood insurance is a separate policy and would need to be started either at the time of purchase of a home, or given a 30 day grace period prior to coverage going into affect.  So, if you are concerned with an upcoming storm system that may cause flooding of your home, then it is probably too late to get a flood policy for that particular storm.

    I have personally seen the devastation flooding can cause.  I lived in Pendleton County during the flood of 97 and saw the anguish it caused from the devastating loss in Falmouth and Butler KY.  What was even worse than the amount of water was the amount of mud and debris.  Houses literally lifted off their foundations and thrust into other homes.  2 feet of mud everywhere you walked.  It was a terrible blow to communities that could not recuperate from the financial loss.  Still to this day, over 21 years later, there are still vacant lots-remnants of what use to be.

    Flooding can happen, even in places you would not normally expect.  For more information on how to protect yourself from financial devastation, feel free to call our office.  We are here to help explain coverage and how you can protect your investment.

  • Teenagers and Driving

    May 18, 2018

    So parents, you have a child about to turn 16 and Lord knows you’re not looking forward to it! Not only are you worried about the hours you have to spend with them in the family car, driving around town, teaching them to parallel park, and learning how to avoid accidents, but you also are concerned about all the other drivers out there. What to do?! It can be frightening I know, I’ve been there! But, we are here to help.

    One common mistake that parents and kids make alike is waiting to get that all-important license. That commemoration of freedom that comes with that credit-card size piece of plastic with your picture on it can mean certain doom to some. But, what many may not be aware of is the fact that most insurance companies rate based on years of experience, not age. So, if your teenager is hesitant to get their license, as a fellow parent, I implore you to offer encouragement. After all, if they wait until they’re 20 when they get their license for the first time, they will experience an insurance rate more like a 16 year old getting their license for the first time! So, even if your teenager is not keen on driving, as long as they have time building on their driving history, it will lead to better rates in the future.

    Are you looking for advice for your teenage driver? Give us a call! We offer counseling appointments to not only help advise your teen of the hazards during driving, but also what to do in the event of an accident. We’re on your side and want to help your teen learn safe driving habits. The last any of us want is for your teen to panic and just exchange information at the scene of an accident only to find out the other person didn’t even have insurance! We are also able to give a break-down of the total monthly cost for the household and the separate monthly cost for your teen driver. This way, you can re-coop some of your cost and also teach your teen financial responsibility.

    Keep in mind also, that you are not helping your teen by keeping them from getting a license until you’re ready. As I mentioned, their rate will be just as high if you wait until they’re older. You can always limit their driving time after they get their license-it’s not a free pass to drive whenever they want. Since insurance is a legal binding contract, in most states, your teen is unable to get their own insurance until they are 18. They will need to be listed as a driver on your policy at least until then. For the most favorable rates though, we recommend they stay on your coverage until they are over 21 or as long as they are a full-time student. If they purchase their own car after the age of 18, they will need to get their own insurance also as per state law. But, if the car has the parent’s name on the title, then the parent can still carry the insurance on the car.

    For more information or to schedule an appointment for your teen driver, give us a call! It is our pleasure to service your insurance needs!

    Jami Anna
    Jami Anna Insurance Services, LLC


  • insurance
  • Hagerty
  • Progressive
  • Phone:859.441.0310
  • 1136 S Fort Thomas Ave. Fort Thomas, KY 41075