Essential systems in the home.
This includes electrical and plumbing systems, furnaces, water heaters, central air conditioners, heat pumps and sump pumps. It also includes cisterns and the water in them, fuel tanks and the fuel in them, solar energy equipment, water tanks and pumps.
Refrigerators, ranges, and built-in appliances like dishwashers, washing machines and dryers are all usually covered. So too are portable window air conditioners and freezers and the food in them. Food inside refrigerators, however, is not covered.
Carpeting and window treatments.
If you have permanently installed carpeting over an unfinished floor, or any other kinds of carpets over wooden floors, your policy should cover them. Your policy should also include window blinds and curtains.
Permanently installed paneling, wallboard, bookcases and cabinets.
If you have to replace your cabinets, your policy will pay only for the ones that were damaged. That means that if some cabinets were ruined but others were not affected you might have trouble getting cabinets that match the older ones.
Foundation walls, anchorage systems, and staircases attached to the building.
There is an exclusion for “loss caused directly by earth movement even if the earth movement is caused by flood.”
A detached garage, used for limited storage or parking.
You can use up to 10 percent of your total building coverage toward your garage, but that amount will be subtracted from the total amount of the building coverage available to you.
This includes, clothing, furniture, and electronic equipment-though only if they’re not stored in the basement.
Your policy is likely to cover items such as original artwork and furs, up to $2,500 in value.
Some events are covered even if they’re not strictly floods, like groundwater seepage and
mudslides. These would include a neighbor’s above ground swimming pool collapsing and water flows into your home, or a water main break that damages your home and at least one other in your neighborhood.
However, damage caused by a sewer backup is only covered if it’s a direct result of flooding.
What’s Not Covered
Flood insurance does have eligibility requirements and numerous exclusions. For example, furniture or other personal property located in a basement, crawl space or “walkout” basement isn’t covered, including bookcases, window treatments, carpet, TVs, audio systems.
Federal flood insurance coverage is also capped at $250,000 per building and $100,000 for contents, though you can purchase policies with lower limits.
There are separate deductibles for your dwelling and contents coverage’s. Higher coverage limits are available for Nonresidential structure and contents.
MORE ON WEATHER EMERGENCIES
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W.A. George Insurance Agency
W.A. George Insurance Agency would like to introduce Audrey Cloyd and Opal Williamson as partnering agents. Together, Audrey & Opal bring over 25 years of experience and specialize in educating members on Medicare Supplement, Medicare Advantage and Prescription Drug plans.
The Annual Election Open Enrollment Period begins October 15-December 7, 2017. Understanding Medicare and choosing a Medicare Prescription Drug plan can be quite difficult. With over 25 years of experience our Medicare team will take the guess work out of the selection process and ensure that you have chosen a great plan for the upcoming year.
Education is key! We will educate you to make sure you understand Medicare and Prescription Drug coverage options.
Options are essential! We will inform you of the best plan options based on your needs.
Selection makes all the difference! Selecting the best plan is the next step in the process. Medicare plan coverage, network availability and out-of-pocket copays vary. After you have been educated on your options you can select which plan has the best coverage and will perform for you when you need it most.
- $0 Premium HMO and PPO
- Silver Sneakers
- No Cost Transportation
- $0 Premium Over-the-Counter Items
If you are turning 65, switching from traditional or employer sponsored group coverage this is a great time to speak with our Medicare team about your coverage options. However, if you are currently enrolled in a Medicare plan it is in your best interest to review plan changes for 2018 and review eligibility for Low Income Subsidy and Extra Help.Our Medicare team will thoroughly explain the enrollment, disenrollment and special elections periods for Medicare. Have questions about prescription drug Rx costs and what medicines are covered?
Let's discuss the plans and find out what works best for you.
Call for a no obligation policy review. Open Enrollment Period begins October 15-December 7, 2017.
BlueCross BlueShield Of Illinois
AARP Medicare Plans
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Home Health Care Liability Insurance
If you are providing care or assistance to an elderly senior in their home, you need home health care general liability. Call W. A. George for a free quote on home health care liability insurance today.
The W. A. George home health care insurance policy provide the following coverage options:
General liability limits $1M each occurrence and $3M aggregate
- Abuse and molestation coverage available
- Property blanket limits available
- Special causes of loss coverage
- Equipment breakdown coverage available
- Automobile: owned/non-owned/hired
- Employees/volunteers insured
- Hired care physical damage coverage
- Rental reimbursement for private passenger vehicles
- Employee Theft/Forgery
- Money and securities
- Theft, disappearance and destruction of client property
- Directors and officers liability
- Professional liability, provides vicarious liability for sub-contracted physicians, dentists
- Custom tailored coverage for each situation
Home Health Care Liability Insurance
including Property, Abuse, Errors & Omissions & more
Unmanned Arial Vehicle Insurance
If you or someone you know needs coverage for a commercial or hobby application of unmanned arial vehicles and/or drones, W.A. George has you covered. From surveillance to photography, drones are becoming a part of our everyday lives, make sure you have the coverage you need.
Coverage is designed for unmanned aircraft up to five pounds, with wingspans of or combined rotor span of up to three feet
The W. A. George unmanned arial vehicle insurance policy provide the following coverage options:
- Quad-Copter Insurance for Photographers
- Insurance for hobbyists
- Coverage for Event Coordinators
- Coverage for Agriculture and farming use
- Multi-rotor coverage for a variety of other applications
Coverage is flexible with terms and conditions customizable to individual needs.
Optional coverage for hi-jacking or any unlawful seizure or wrongful exercise of control by means of “spoofing”.
Individuals and businesses need to protect themselves against threats to thier personal information and digital seurity. The W.A. George Cyber Insurance policy covers:
- Credit Cards, Debit Cards
- Social Security Numbers
- Protected Healthcare Information (PHI)
- Personally Identifiable Information (PII)
- Driver’s License, Passport Information
- Hacker Malfeasance
- Lawsuit alleging trademark or copyright infringement
- Lawsuit alleging invasion of privacy, defamation, of product disparagement
The cost to defend against these and many other breaches can be prohibitive. The W.A. George Insurance Agency Cyber policy is the lifeline for staying afloat or sinking. We will design limits of coverage to fit any exposure, from $300,000.00 to $50,000.000.00
- Breach response costs
- Crisis management
- Notification costs
- Call center service
- Fines and Penalties
- Restoration Costs
- Business Interruption
- Information Security & Privacy
- Network Security Liability
- Website Media Liability
- Defense Costs
Assess Your Risk
A Checklist for assessing your level of cyber risk. These questions can give you a quick look into many of the areas of vulnerability that companies overlook.
- Are you aware of the coverage’s and gaps within standard property & casualty policies with respect to network security and privacy events? YES/NO
- Have you budgeted for a cyber security or privacy event? YES/NO
- Have you assessed your exposure to privacy regulator? Lawsuits by your customers? YES/NO
- Do you understand what regulated data you have, where it exists and in what format? YES/NO
- Do you have an incident response plan and/or a business continuity plan? YES/NO
- And there processes and procedures in place regarding data retention and data destruction? YES/NO
- Do you track and monitor compliance on an ongoing basis? YES/NO
- Are all of your procedures and policies with respect to your regulatory obligations documented? YES/NO
- Does your organization have processes to review and update privacy policies and disclaimers to customers? YES/NO
- Have you assessed how vulnerable you are to attack on the confidentiality, integrity and availability of your data and systems? YES/NO
- Is your risk exposure to technology or operations failures at your vendors and service providers fully documented? YES/NO
- Have you protected your company in contracts with vendors? YES/NO
- Have you fully assessed the physical security controls at each of your sites (data center, home office, field offices and other sites)? YES/NO