Flooding isn’t just a coastal problem—it’s a growing concern across MetroWest, Massachusetts. Whether you live in Framingham, Hudson, or Hopkinton, you may be surprised to learn your home is at risk. Learn how flood insurance can help protect your property from the damage that standard homeowners’ policies don’t cover.
Thinking about homeowners’ insurance in Marlborough, MA? Whether you’re settling into your first home or reviewing your coverage, Murphy Insurance offers expert guidance and tailored protection designed for New England’s unique risks. Discover what’s included, what to expect, and how our local team can help you protect what matters most.
The devastating impacts of Hurricanes Helene and Milton have shown that flood risk isn’t limited to coastal areas. These storms have highlighted a crucial gap that individuals and businesses need to be aware of: flood damage is generally not included in typical home, condo, renters, or commercial property insurance, making a separate flood insurance policy essential for true protection.
A prepared action plan is vital for business continuity during severe storms that cause power outages and flooding. FEMA reports that 40% of businesses fail to reopen after disasters, emphasizing proactive preparation for financial recovery and operational continuity.
Regular insurance reviews are essential as our life circumstances evolve, ensuring our coverage aligns with our needs. Utilize these ten questions during your review to gauge if adjustments or discussions with your insurance professional are necessary.
Amid peak disaster season, a recent national survey unveils that numerous homeowners are underinsured, lack comprehension of their policies, and have insufficient savings to sustain their households during emergencies.
Many underestimate flooding’s potential, but heavy rainstorms or hurricanes can cause severe damage. Floods can occur not only near rivers and lakes but also in low-risk areas due to various factors, prompting discussion on the value of flood insurance for individuals.
Do you have a checklist for reviewing your insurance coverage? With hurricane season underway, it’s an opportune moment to ensure your homeowners or renters insurance is up to date. The Insurance Information Institute offers a convenient list to guarantee you’re adequately prepared for any potential storms.
For those selling or buying homes, it’s crucial to note the updates to the NFIP and revised flood insurance rates starting April 1, 2015. These changes affect property owners or buyers in flood zones or areas newly designated as Special Flood Hazard Areas due to updated flood maps.
Forecasters predict an above-average 2021 Atlantic hurricane season, with 18 named storms, eight hurricanes, and four major hurricanes expected. Now is the time to review your insurance coverage and prepare your property for potential storm damage—contact Murphy Insurance for guidance.
