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C.T. Lowndes & Company Blog: insurance

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If you have flood insurance through the National Flood Insurance Program (NFIP), be aware that the policy provides very little coverage for items located below the first elevated floor of a post-FIRM home (a home built after 1974). You should move whatever you can to a higher level. READ MORE >>

Let's imagine a hurricane is approaching our area. These are some insurance related items you may want to consider as you prepare for the storm. ·         Find your insurance policies (automobile, homeowners, flood, boat, commercial, etc.). READ MORE >>

During the hurricane seasons of 2016, 2017, and 2018, many homes, particularly those on beaches, had flood waters (from ocean or rivers) come into the areas below the elevated floor of the dwelling. The waters rose, then fell, leaving behind a mess. READ MORE >>

Hurricane season officially started on June 1st! Do you know what to do if a hurricane is headed your way? If there is a possibility of a hurricane in your area, follow these tips for pre-hurricane safety. ·         Always attempt to evacuate if suggested. READ MORE >>

Any trucker who uses an Electronic Logging Device (ELD) to track hours of service can participate in Progressive’s Smart Haul program. By sharing your data with Progressive, you can perhaps save big bucks on your insurance premium. The ELD is required on trucks newer than 2000. READ MORE >>

When one thinks of cold ocean or river water, you might be thinking about water than is icy and frigid. Are you aware that water does not have to be extremely cold to cause hypothermia? Any water that is colder than normal body temperature (98.6) can cause heat loss. READ MORE >>

You are planning a summer vacation that includes renting a Jet Ski so the family can have some fun on the water. Have you stopped to consider your liability exposure if something bad happens? What happens if you hit and injure a swimmer? Or ram the Jet Ski into the dock, causing significant damage to Jet Ski and dock? READ MORE >>

A trucking inspector offers this advice to help keep your truck on the road and safe. Do a Quality Pre-Trip Inspection. Such inspections are required and a good, thorough inspection can help keep you alive. Walk Around the Truck.  Whenever you stop for fuel or food, walk around the truck. READ MORE >>

Should you expect a rate increase in 2019 on your commercial auto policy? Probably yes, as most insurance companies are struggling to be profitable in this line of insurance. Progressive Insurance Company, however, seems to be an exception. Progressive examines much data and stays ahead of loss trends, rather than playing catch-up like most companies. READ MORE >>

Even owners of a recreational watercraft must be concerned about liability resulting from a pollution incident involving their boat. Suppose your boats sinks and the oil and fuel leak out, thus polluting the waters. Are you aware of your potential liability from this oil spill? READ MORE >>

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