Will all the rain this spring/summer I think another point of confusion is what kind of water issue is covered. Basically your homeowner's coverage does not offer a lot of water coverage. A burst pipe would be the most common occurrence that would be covered.

If your sump pump can't keep up because there is so much water or because the power went out you would not have coverage unless you have an endorsement on your policy covering "water/sewer backup." With that endorsement there will be a limit stated on your policy. Generally speaking people have around $5,000 in coverage. You can increase that limit and if you have a finished basement you should have a higher limit. If you are unsure of this coverage you should contact us and find out what your limit is or add the coverage if you do not currently carry it if you think you need it. This same scenario applies to your renter's insurance to cover your contents.

If water comes into your home from the outside like through seepage in your basement wall, your window broke and it came rushing through or through your front door you're experiencing a "flood" event. Flood insurance can be bought through most insurance agencies, including ours, but ultimately your federal government (FEMA) is backing the program. Flood insurance is very specific. The max limit is $200,000 for a structure and $100,000 for contents. Your premium would be based on what flood plain you live in. You cannot bind coverage until 30 days after you sign your application. So, if you signed today it would go into effect on August 18th.

It's good to understand what you do and do not have for coverage. Most people assume every scenario imaginable is covered. It's not. You don't have earthquake insurance or volcano insurance for example, but you can purchase it if you would like it. We encourage people to review their policies annually. If it's been a while let's make an appointment and find out what you do have, potentially need or can take off your policy. 262-248-9502. ... See more

With all these hail claims coming in there appears to be some confusion with where coverage would lie for your vehicles. Your homeowner's/renter's insurance is never going to cover a vehicle, motorcycle, etc. You would have to carry comprehensive insurance on your auto/cycle/scooter insurance for a hail/flood/fire claim to be covered. Your homeowner's only covers your property for liability and the home itself and/or your personal belongings. Parking a vehicle in the garage makes no difference. If the home burns down and the car burns too you would have a claim for the home and one for the auto. ... See more

We had another large weather event with hail on Saturday night. Please take a look at your vehicles, campers, roofs and siding looking for damage. Give us a call and we can help to file the claims. 262-248-9502 ... See more

Enjoy your potentially long weekend and your 4th of July as we celebrate this great country's independence! We will be closed on the 4th but open on Monday July 3rd. Be careful if you are using fireworks! ... See more

Another quick reminder, due to a scheduled power outage tomorrow (Friday) we will be closing at 2pm on Friday. Please let us know if we can do anything for you today or tomorrow morning. Thanks for your understanding! ... See more