WHY AN INDEPENDENT AGENT?
There is a difference in where you buy your protection. Many people don’t realize there are three sources for insurance:
- Captive Agents, who can sell you the insurance of only one company.
- Telephone Representatives, who can offer you the insurance of one company, and only on the telephone.
- Independent Insurance Agents, who represent a number of insurance companies, and research with these firms to find you the best combination of price, coverage and service.
In general, Homeowners insurance does not cover water damage caused by flooding, surface water coming into the home, or water that moves underground and seeps or leaks into basements or crawlspaces. If you have a sump pump and it was not able to keep up with the water coming in, or if it failed, you may have some coverage. Or if the sewer system backed up into your home you may have coverage. Please call us to discuss turning in a claim or if you have questions about your policy.
In general, homeowners policies provide limited mold coverage ONLY if the initial cause of the mold is covered by the policy. If your water damage is not covered, the mold won’t be covered either. It’s very important to completely dry out any wet drywall, carpet and furnishings. Besides being a health risk, the cost of having to tear out drywall, replace carpet and do sanitizing because of mold will be more expensive than paying the costs of doing a complete dry-out now. Haddock Insurance Agency is committed to providing our customers with the best insurance value and service available. We are an Independent Insurance Agency with a broad range of Commercial, Personal, and Life products and have aligned ourselves with some of the finest carriers to deliver these products to you.