Looking for Farmers Market Insurance?

As soon as the warmer weather winks at us, it’s time for the Farmers Market, that open space where farmers and others eager to earn some income from selling garden-picked fresh produce, out-of-the-oven baked delicacies, prepared food selections, drinks, fresh meat and fish – and even craft-work are displayed for passers-by searching good deals.

While the assortment on display by the selling vendors is a varied sort, it is not a free-for-all decision. Prior to showing off their wares, sellers must meet the guidelines of the market board members as well as local regulations set down for the market selling and buying process.

Of course, the Farmers Market is vulnerable to exposure of all sorts of risks, be it theft, fire, storm-damage, liability and more.

Related insurance premiums are subject to a determination by the insurance companies in relation to the following:

• How many days a week or month of activity in the Farmers

• How many vendors, workers and customers at the marketplace

• The amount of insurance coverage that is purchased

Like any business venture, the Farmers Market owner, manager or vendor must make an honest analysis of goings-on and how they may relate to insurance protection.

Below are several forms of coverage that may pertain to any vendor or marketplace operator.

The Differing Forms of Insurance Coverage

1. Business Property

This coverage can shield the marketplace owner/operator, as well as the sellers. In the event of loss or damage to property or goods, it can reimburse up to the limits of any covered event.

2. Premises Liability

This covers legal fees and court verdicts decided against the insured in a lawsuit regarding injury, loss or damage liability to others.

3. Product Liability

This form of coverage protects the vendor in the event his or her product is the subject of a lawsuit associated with illness or injury.

4. Liquor Liability

This type of coverage shields the insured liquor provider from liability if someone purchases and imbues beer, wine or other type of alcoholic drink at the event and thereafter causes an accident or injury to another

5. Workers Compensation

Workers Comp ensures there will be funds for medical costs, lost wages for a worker who suffers injury or illness as a result of employment. It also protects the marketplace operator or vendor in the event of a related lawsuit.

You have just enjoyed a brief synopsis on the various forms of Farmers Market insurance coverage. For a more in-depth discussion about your particular situation and insurance needs, speak to a professional independent agent that can present you with a tailored policy at the most competitive quote.

All You Need to Know About Auto Insurance

What is auto insurance?

It is an agreement between you and the company that defends you against any monetary loss in the happening of an accident or theft. In trade for your paying a premium, the insurance company agrees to pay your losses as summarized in your guidelines.

Auto insurance is made obligatory by most of the states and this provides you with some economic protection in case of an accident or any misfortune. But this information is not enough for an individual to decide whether he should take up auto insurance or not. For this, you need to more about different kinds of aspects provided by various schemes. So let us learn how this works and what is obtainable from it.

Different types of Auto insurance:

• Property – This includes losses such as damage to or theft of your car.

• Liability – This includes your official responsibility to others for physical injury or assets damage.

• Medical – Includes the cost of treating injuries, therapy and any other kind of medical expenses.

Fundamentals of Auto Insurance

You need to understand some basic things about your scheme. Auto insurance might be different in some ways but here are some common things about it that will mostly remain the same.

• Your policy will cover you and your family members listed on the auto insurance, whether you are driving your car or someone else’s car (with their authorization).

• Your policy will also provide protection if someone who is not in your scheme is driving your car with your approval.

• Your personal vehicle insurance only covers driving for personal reasons, whether you’re commuting to your office, running household errands or taking a trip to another city. But it will not provide any kind of cover if you use your car for profitable purpose. For instance, if you rent out your car or use it for delivery purposes.

• Personal auto insurance will also not offer coverage if you use your car to supply transportation to others through a ride-sharing service such as Uber or OLA. A number of auto insurers, on the other hand, are now offering supplemental products (at an extra cost) that expand coverage for automobile owners providing ride-sharing services as well.

Is Auto Insurance Mandatory?

Requirements differ from state to state and you might have to get it depending on your state’s legal guidelines. If you are financing a car, your lender may also have its own necessities and might want you to get it. Almost every state requires car owners to take:

• Bodily injury liability – which covers expenses related to injuries or death that you or another person has faced in an accident while driving your car.

• Property damage liability – which compensates others for damage that you or another person who was driving your car might have caused to another vehicle or other property, such as any boundary marker, any building or pole in the accident.

These things make it compulsory to enroll in one policy as soon as possible. This will not only help you but also your family members. So make sure you take up a policy as soon as possible for a safe and secure drive.

5 Qualities to Look for in a Divorce Attorney

When it’s time to decide on a divorce lawyer, take advantage of the free visits that most attorney’s offer. Talk to several lawyers. When you’re done, how does this lawyer stack up? Here are 5 things to consider.

  1. Is the Attorney Honest with You? Ask some hard questions. Is there a special asset you want to keep? Ask if it can be protected? Do you want spousal support? See if the attorney thinks it could happen. Judge the answers and compare your first visits. If any lawyer is telling you just what you want to hear, cross that firm off your list.
  2. Can the Attorney be Your Champion? Do you sense that he believes what you have to say about why you’re getting a divorce and does he agree with the outcome you are seeking? You want a lawyer who is firmly on your side and ready to fight for you if necessary.
  3. Is this Attorney Knowledgeable? Ask about the attorney’s experience and ready any online reviews or rankings. Be sure to ask if he has handled cases that have the same rough spots as yours and what was their outcome. You want an attorney who is knowledgeable about divorce laws in your state and one who is knowledgeable about any special issues or concerns you case might have. You also want an attorney who is looking ahead at your future and helping you plan for life after divorce with advice on anything from dealing with child custody issues to financial issues.
  4. Can the Lawyer Act and Not React? Words you don’t want to hear are “let’s see what the other side has to say”. You want a lawyer who is willing to act on your behalf; not one who is just reacting to the demands or requests made by the opposing side. Check the attorney’s reputation in the legal community. Is he or she well respected by peers and judges? That respected legal professional is who you are looking for to represent you.
  5. How Does the Lawyer Treat You? Do you feel that this attorney is ready to help you through a hard part of your life? You should feel respected and you should feel that the attorney is compassionate and ready to help. Again, ask some questions. How long will it take the attorney to respond to a phone call if you have a question? Will you meet with him or a member of his staff? Even a simple divorce is difficult and you want to find an attorney that will give you the support you need.

An experienced divorce lawyer should answer your questions and never be irritated or antagonistic because you are asking them. You want a divorce attorney who understands you, understands the issues in your divorce and will help you come out the other side ready for a new start.

Finding and Meeting With a Workers’ Compensation Attorney

Getting injured on the job can be a traumatic situation. Workplace injuries can cause an injured worker not only to be seriously hurt but also create a financial hardship. Workers’ compensation laws vary from state to state. As such, any person that has suffered a workplace injury should consult with a workers’ compensation attorney.

Workers’ compensation was designed to provide remedies for an employee that has been injured on the job. Injured employees may be entitled to receive medical care, lost time, and even permanent disability benefits. In return for assured benefits employees do not have the legal right to file a lawsuit for an award from the court.

Although injured employees give up their ability to sue their employer they still have the right to obtain workers’ compensation. Not all employees injured on the job will be approved for workers’ compensation benefits. If an employee is denied or does not receive benefits that are appropriate for their situation they have the right to an appeal. A worker’s compensation attorney specializes in workers’ compensation laws and they can help an injured worker fight and obtain benefits.

Any attorney can choose to practice in the area of workers’ compensation law. However, an employee that has a workplace injury will want to find an attorney that is experienced in this area of law. One way to find a reputable and experienced workers’ compensation attorney is through the state bar association. The bar association will can help in locating attorneys in good standing as well as those who specialize in certain areas of law.

You can also find a reputable workers’ compensation attorney by checking your local yellow pages. Many attorneys advertise in the yellow pages and this will give you a good starting point in locating a number of candidates. Attorneys that advertise in the yellow pages generally highlight their specific area of law so this is also a good way to narrow your search for an attorney who practices specific aspect of law.

Once you have selected a few candidates you will want to do an evaluation during your initial consultation that will help determine your selection. Your evaluation of the workers’ compensation attorney should be based on a few factors. These factors are how well the attorney listens, their understanding of your situation, explanation of law as it applies to your case explained in laymen’s terms, and your level of confidence in their representation of you.

You may also want to ask for references so that you can evaluate the workers’ compensation attorney’s work on previous cases. Former or current clients are good sources of references but attorneys may be reluctant to divulge client information because of its confidential nature. The next best sources of references are other attorneys.

It is extremely important to be prepared for your initial consultation with the workers’ compensation attorney. It may be wise to prepare a summary of the facts and events surrounding your injury in chronological order before your consultation. The summary should include important information such as the date of your accident, exact name/address of employer, and details of your injury.

You may also want to bring any medical records, employee handbook, and if possible any witness statements. This will help your meeting go smoothly and also help in selecting a workers’ compensation attorney.

Why You Need An Elder Law Attorney

A lot of people make plans for retirement but don’t map out a way to achieve those plans. Other times, we make plans for our golden years with blinders on. We imagine only happy circumstances in which our biggest concern is which cruise to take in any given year. The reality is, people get sick, they age and they run out of money or they lose the ability to make decisions for themselves. This is where a good elder law attorney can help.

These attorneys specialize in helping people plan for the future and provide legal services to seniors. Not only that, they can help seniors make the most of the challenging situations they may face. With years of experience in the field and plenty of resources at their disposal, these legal professionals may be the greatest resource you can have to get you through your golden years with the support you need.

Elder Law Areas Of Expertise

Elder law professionals help their clients navigate the legal situations that are unique to older and retired individuals. Common areas of expertise include:

• Medicare and Medicaid eligibility, claims and appeals

• Tax Law

• Estate Planning and Administration

• Healthcare Directives, Planning and Insurance Needs

• Wills, Trusts and Probate

• Long-term Care Planning

• Conservatorships and Guardianships

• Nursing Home Placement, Abuse and Neglect

• Asset Protection

• Social Security and Disability

• Powers of Attorney

• Elder Abuse and Fraud

• Housing Issues

• Age Discrimination

• Retirement Planning

When To Seek The Help Of An Elder Care Specialist

Anytime you are facing legal issues as a senior citizen or need to help aged family members, it’s a good idea to consult an elder law attorney. Although you may feel that a family attorney can handle your needs just as well, this is not always the case. These attorneys lack the specialized legal knowledge needed to navigate the issues facing seniors and many not understand the unique situations seniors face. Attorneys who work with seniors regularly have other non-legal senior resources at their disposal that may prove helpful as well. They can often refer clients to social service agencies, nursing homes or home health care agencies based on their professional network alone.

Choosing A Lawyer

Once you start researching elder law attorneys you’ll notice that each attorney has his or her own area of expertise. It is rare to find one attorney who is fluent in every aspect of the field. It’s much more common to find one who has focused his or her practice on a few specific areas. This being the case, it makes sense to first identify what specific area you need help with. Do you need help designing a will or making an estate plan or do you need help with Medicare claims? Whatever your needs, find an attorney who has experience in that area but who has enough knowledge to know if the actions you take will affect you under other areas of law.

Start your search for a lawyer with local senior services agencies or healthcare providers. Ask for recommendations. Check with the local area council on aging, the National Academy of Elder Law Attorneys or the state or local bar associations. You may even be able to get a referral from attorneys you already know. Once you have some names in hand make time for a face-to-face interview. You will be sharing some very personal information with this attorney. You want to find someone who you connect with and trust and who understands your needs and feelings and can provide you with the moral support you may need to get through the legal issues you’re facing.

Understanding Different Types of Auto Insurance

Auto Insurance policies can be divided into different categories according to the coverage they provide. Broadly speaking there are four kinds of policies known as Collision Insurance, Comprehensive Coverage Insurance, Uninsured and underinsured Motorist Coverage policies and No Fault Automobile Insurance policy. Besides these, there are policies that take care of other needs like covering an auto loan, paying for towing expenses or paying for the cost of a rented car while your vehicle is being repaired.

The most common insurance policies are:

Collision: Any property damage caused to your vehicle due to an accident caused by any other vehicle or object is covered under this policy. The claim amount cannot exceed the actual cash value of the vehicle and is subject to any deductible.

Comprehensive: Any property damage to your vehicle that is caused by non-collision factors like fire, theft, vandalism, and even natural disasters like flood, hurricane or earthquake is covered under this policy.

Uninsured Motorist Coverage (UM) and underinsured motorist (UIM) coverage: takes cares of any injury that may result to you or to persons insured in your policy from an accident that takes place with another uninsured or underinsured driver or vehicle owner. Generally only body injuries are covered under this policy.

No Fault Auto Insurance Policy: Irrespective of who caused the accident, the insurance company pays for the medical expenses and for the loss of wages that the insured suffers on account of a collision under this policy.

Some other additional coverage that an auto insurance policy holder can buy are:

Property Damage Liability and Bodily Injury Liability: These two policies protect the insured from any claims made against him for causing damage to property including vehicle belonging to another person or for causing any bodily injury or loss of life to other individuals up to the amount mentioned in the policy.

Auto Lease Protection: is an additional protection that you may add to your collision or comprehensive auto insurance policy to take care of any gap that exists between your auto loan amount and the cash value of your vehicle.

Full Tort and Limited Tort: available only in the state of Pennsylvania allows the insured to retain unrestricted rights to bring a lawsuit against a negligent party or recover expenses incurred for certain damages.

Rental Expense: Known as Extended Transportation Expense Coverage, the policy pays for a rental car while your vehicle is being repaired or replaced.

Medical Payments Insurance covers medical expenses for injuries sustained in an accident involving any vehicle for the insured, his passengers and other parties irrespective of whose fault it is.

Towing and Labor: An additional coverage option that can pay for all necessary towing and labor costs to tow your damaged vehicle to a work shop or another location.

Tips To Find a Custody Lawyer

An experienced custody lawyer can help you in the best way to get the custody of your child with maximum benefits to you. Working out on the parenting plan for settling the custody of the child is very important if you and your partner are going through a divorce procedure. The custody lawyer can petition on behalf of you for your custody if you and your partner cannot reach an agreement regarding the custody of the child.

Reasons to Hire a Custody Lawyer

Part of the divorce agreement shall contain the description of where and with whom shall the child stay if you have any. Thus, to negotiate the custody of your child, you need a custody lawyer. The right to take decisions regarding the child’s education, welfare, and lifestyle is legally given to the custodial parent (the one the child lives with). Joint custody is also an option for the divorcing parent. This means the child has to divide his/her time among both the parents and the right to make decisions is shared between both the parents. A judge shall help you with the agreement of the custody of the child if you are unable to do that as parents.

Required Experience of the Custody Lawyer

Right kind of experience does not describe practicing law for many years. There are many older lawyers who are unsuccessful in their professions. The knowledge about law and facts is the experience that the custody lawyer should have and the knowledge about how to utilize them in custody case.

Non-Tolerance of Abuse

Two types of cases may receive a little tolerance and require a strong representation. The opportunity to enjoy joint custody or equal parenting time is hardly given to the parents who are abusive (physically or mentally). As the child is the heart of such kind of custody cases, the best kind of advocates knows how to protect the child from such kind of parents.

Thus, before hiring a custody lawyer you need to be aware of the certain requirements that your advocate need to follow for the process. This will help you to keep the custody of your child in your hands while you are divorcing with your partner. Not only should he be experienced in practicing law but should also have sound knowledge in the matter. He is required to intellectually handle cases regarding child abuse and others matters.

Why You Need a Wills Lawyer

If you have decided to make a will, but you are not sure how you are going to create it, you have just two options: you can do it by yourself (this is a risky option) or you can hire an experienced wills lawyer to help you make a will. Both options have their own distinct advantages; however, making the choice on the right option will depend on your specific needs.

Advantages of Hiring a Lawyer

Having an experienced lawyer draft your will can buy you some peace of mind as you will not have to struggle writing the will. A good lawyer can ensure that the will will comply with the state laws, and provides the best tax advantages possible for your heirs and estate, and accounts for the particulars in your specific circumstances.

In short, you will feel more assured and satisfied that the document made will stand up in court even if it is contested, and that all of your wishes will be carried out as desired.

When to Hire a Lawyer

There are circumstances in which hiring a good lawyer to draft the will on your behalf is the least risky option. You should hire an experienced lawyer if you have large assets in multiple states or countries, have been remarried, have minor children, or you are in a same-sex relationship, own a small business, or possess assets which are worth over $2 million or you believe that your will might be contested. An experienced lawyer may also be a very good idea if you do not understand the online forms you had bought or believe that the forms do not meet your specific needs.

Advantages of Making Your Will by Yourself.

The main benefit of drafting a will yourself is the cost incurred will be very little. Lawyers can generally charge between several thousand of dollars and a few hundred of dollars to draft a will. However, the price of ‘do it yourself online’ will programs generally cost between 30 dollars and 250 dollars. While writing the entire will just for yourself will cost you nothing. If your bequests and assets are straightforward and very simple, and you are carefully complying with the state laws, writing a good will without having to hire a lawyer should generally not pose a great problem.

Considerations

If you decide to write a will without the help of a lawyer, make sure that you carefully research all the applicable state laws, particularly with respect to the spousal inheritance laws, the signing of the will and any requirements relating to the witness. Additionally, you should write all of your wishes as clearly as possible because the slightest ambiguity in a will can render it invalid. If you are going to use an online program to make a draft of your will, make sure you read all the instructions carefully and follow all of them to the letter. Some of these online programs will advise you to have a lawyer review all of your documents after you have prepared the draft, you should. This will give you additional peace of mind while still saving you money.

Assigning Power of Attorney (PoA) With Confidence

Incapacity planning, ensuring that there’s a strategy in place if you ever become incapable of managing your affairs, is important.

We all know that. Yet, it’s uncomfortable to think about and therefore easy to put off doing.

A key part of incapacity planning is assigning power of attorney (a legal document giving someone else the right to act on your behalf), but it’s also the biggest hurdle. Giving extra thought to who you choose, and what powers they’ll be granted, can give you the peace of mind to complete your plan with confidence.

Choosing your lawyer

Choosing someone you trust to assign power of attorney is essential. Acting as your attorney involves significant duties and obligations. Your attorney’s overarching duty is to act with honesty, integrity and in good faith for your benefit if you become incapable.

The law lays out specific obligations for the person chosen to hold your power of attorney. Among other things, they will:

  • explain their powers and duties to the incapable person
  • encourage the incapable person, to the best of their abilities, to participate in decisions concerning their property
  • foster regular personal contact between the incapable person and supportive family members and friends, and
  • keep account of all transactions involving the grantor’s property.

The attorney or attorneys you choose to act on your behalf should know these rules, and be aware of other rules set out in the act as well.

For instance, they’re expected to ensure you have a will and, if so, know its provisions. The main reason for this is that your attorney must not sell or transfer property that’s subject to a specific gift in the will, unless necessary.

The act also contains explicit instructions regarding both required and optional expenditures. Examples of the latter include charitable gifts where an incapable person made similar expenditures when capable and so long as sufficient assets are available. Your attorney should also be familiar with rules covering how or when he or she can resign, what compensation they may be entitled to and the standard of care expected of them.

Safeguarding your estate

You can also build a second opinion directly into your power of attorney documents by appointing more than one person. If you name two or more people, they’ll need to act unanimously unless the document states otherwise.

A joint appointment provides a level of protection in that any appointed attorneys must agree on all actions, while a “joint and several” appointment grants flexibility, allowing any one attorney to conduct business independently.

Many people choose to appoint the same people or trust companies to be both their power of attorneys and their executors. Although you don’t need to do so, the same list of key traits – expertise, availability, accountability and trustworthiness – apply to both roles.

It’s also possible to limit the powers granted to your attorney. If you’d like your attorney to act only for a specified time period (maybe a vacation or hospital stay) or in respect of a specific transaction (the closing of a real estate deal), a limited or specific power of attorney is worth considering.

In the case of a general continuing power of attorney, many people want the document to be used only if and when they become incapable of managing their affairs themselves.

Although the document is effective when signed, it is possible to include provisions in the document itself that defers it to a future date or the occurrence of a specified condition (for example, the grantor has a stroke). These are sometimes referred to as “springing” powers of attorney.

Whichever way you prepare your power of attorney documents, careful consideration of who you choose as well as availing yourself of available safeguards will help ensure your confidence in your incapacity plan.

Common Mistakes to Avoid

  1. Making a quick decision: Many people name their PoAs without thinking about their choice’s financial capability, much less their ability to get along with other family members.
  2. Assuming family is always the best choice: It’s far more important to choose someone who truly has your client’s best interests at heart.
  3. Waiting too long: If there’s already a question of diminishing capacity, it’s likely too late to make a power of attorney ironclad.
  4. Not reviewing it: Changing life circumstances and new provincial legislation can make an old PoA invalid.

Plan for Incapacity

Your estate plan doesn’t end with an up-to-date will. It should also anticipate possible future incapacity, which usually means preparing powers of attorney for both property and personal care.

Power of attorney, a legal document that gives someone else the right to act on your behalf, has two main types: one for management of property, another for personal care.

Will and estate planners generally advise preparing both types of powers of attorney. While they are often prepared at the same time as your will, they can be created at any time.

Personal care

With a power of attorney for personal care, you can authorize someone to make decisions concerning your personal care in the event that you become incapable of making them yourself.

You can give power of attorney for personal care if you’re at least 16 years old, have “the ability to understand whether the proposed attorney has a genuine concern” for your welfare, and can appreciate that the attorney may need to make decisions.

Personal care includes decisions concerning health care, nutrition, shelter, clothing, hygiene and safety.

Property

A continuing power of attorney for property authorizes someone to do anything regarding your property that you could do if capable, except make a will.

The law says you’re capable of giving a power of attorney for property if you’re at least 18 years of age, know what kind of property you have, along with its rough value, and are aware of any obligations owed to your dependants.

The term “continuing” (sometimes called “enduring”) refers to a power of attorney that may be exercised during the grantor’s subsequent incapacity to manage property. Ensure the document stipulates that you want the power of attorney to be used only if you become incapable.

What you need to know

A continuing power of attorney for property is a powerful document. Unless otherwise stated in the document, it’s effective when signed, granting considerable power.

In fact, the act explicitly requires you to acknowledge this authority can be misused. And, as part of the capacity test for granting a continuing power of attorney, you must also acknowledge the property you own may decline in value if not properly managed.

A financial institution, land titles office or other third party presented with a continuing power of attorney for property with the restriction “effective only in the event of the grantor’s incapacity” will want evidence of the incapacity.

That evidence could be hard to get. One solution is to set out terms of use in a separate document and have all original copies of the power of attorney held by a trusted third party. You could, for example, direct that document be released only if:

  • You tell the attorney you want him or her to start acting;
  • You are legally declared incapable of managing your property;
  • One or more doctors advise that you’d benefit from assistance in managing your affairs; or
  • Certain family members advise the attorney should begin acting.

No direction could be costly

If you fail to prepare power of attorney documents, it may take an application to court before someone can be appointed to make decisions for you. That can leave you scrambling when you’re in no physical shape do so. Having a will doesn’t help because an executor is only authorized to act after you die.

On top of that, court processes can be both costly and time-consuming. Depending on the circumstances, the Public Guardian and Trustee may have to get involved.

You also lose the opportunity to appoint people or companies of your choosing and aren’t able to establish parameters regarding the actions of your substitute decision makers.

What You Should Know About Flood Insurance

It was in 1968 that the United States Congress initiated the National Flood Insurance Program so that ensuing related private and business property damage would be reduced. Available through insurance companies and insurance agencies, the coverage is managed and dictated by government laws and can protect the property owner from damage caused by flooding.

A Standard Insurance policy for a dwelling is meant as coverage for a one, two, three or four-family residential building, as well as a single-family home.

A general property flood policy can insure five or more family residential buildings, as well as buildings that are not used for a residence.

A Residential Condominium Building Association policy can insure a residential condo association building.

This type of policy should incorporate two types of related coverage: building property and personal property, defined as the contents in your premises.

Three Essential Things about a Related Insurance Policy

• Contents coverage needs to be purchased independently from the building coverage.

• Flood Insurance is not a valued coverage, meaning, it only covers the actual damages up to the policy’s limit.

• Flood Insurance does not feature guaranteed replacement cost coverage that is not bound to limits. Flood insurance only pays for damages up to the policy limit.

More Things to Understand

It is important to note that the government-run program provides special consideration when there are numerous flood claims submitted by the same policyholder. Officially regarded as ‘severe repetitive loss’, where intervention may be warranted to prevent future losses, these claims may result in an offer of a FEMA mitigation grant if applicable.

Acceptance of the grant is voluntary, but any policyholder that declines the opportunity for government-funded improvements that are designed to reduce the likelihood of property flood damage, may be strapped with a rate increase that is equivalent to one-hundred-fifty percent of the rate charged for property when the grant was offered.

Policyholders with severe repetitive loss property can be eligible for the grant if the following conditions are present:

• 4 or more different insurance claim payments (including building/contents payments) have been issued and every one of them is more than $5,000

Or

• A minimum of 2 different flood insurance building claim payments have been issued that all together are more than the current property value

For more about flood insurance and how a respective policy can be tailored to your individual needs, please contact an experienced independent agency.