Natural Disasters

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Flood Insurance: High Water Brings High Costs
Water is one of the most destructive forces of nature. Just a couple of inches can cause thousands of dollars in damage to your home and belongings. Just think about how much damage a few feet of water can cause. Do you need flood insurance? Will you be able to get it if you need it? You may be surprised. ... READ MORE

Learn from Alabama and Be Ready for Spring Storms
The images and storm reports from Alabama leave even veteran storm chasers speechless, humbled and in awe. The 2011 spring storm season has barely started and the statistics are hard to believe. The tally for reported tornadoes in April stands at almost 900. May is usually the worst month for spring ... READ MORE

Surviving a Hurricane
Each year brings a new hurricane season for US coastal states. Usually, the seasons start and end on the same dates: They begin June 1 for the Atlantic Ocean coast and May 15 for Eastern Pacific coastal states. Both seasons end November 30. That's a long time, and predicting when and where a hurricane ... READ MORE

Be Prepared and Be Safe at Home
September is National Preparedness Month, a time to learn about the simple things you can do to prepare for emergencies and keep your family safe when they strike. It's also a good time look around the house and take steps to prevent accidents and injuries before they happen. Emergencies Natural or man-made, ... READ MORE

Disasters and Address Changes
When a disaster strikes your family and your home, it is overwhelming. Not only must you deal with the mental and physical after-effects of a catastrophe, but you must also address all of the details necessary to move forward. Among those are a number of companies and government agencies that should ... READ MORE

FEMA or Federal Disaster Assistance Obtaining Assistance
Each year, and season, we hear about the latest natural disaster around the country: fires, floods, tornadoes, hurricanes, earthquakes, the list seems endless about the damages the weather brings us. Not all areas affected by disaster are equal. The first step to begin rebuilding and getting the help ... READ MORE

Homeowner's or Renter's Earthquake Insurance
Earthquake coverage is excluded from homeowners' policies and other property insurance policies. Although earthquake coverage can be purchased, it will be expensive. Even if a homeowner elects not to buy earthquake coverage, steps can be taken to minimize damage when a quake occurs. Earthquake Exclusion ... READ MORE

Homeowner's or Renter's Flood Insurance
Flood damage coverage is excluded from your homeowners' insurance policy. However, you can purchase flood insurance if your community participates in the Federal Flood Insurance Program. The federally subsidized flood insurance policies and premium costs are based on a flood risk assessment and the types ... READ MORE

Homeowner's or Renter's Hurricane or Tornado Insurance
Tornadoes are storms caused by wind tunnels that move swiftly across land. They can appear out or nowhere or can be seen for miles before they touch down causing hundreds, even millions of dollars in damage to homes, businesses, crops, farms...anything that crosses its path. Hurricanes are most likely ... READ MORE

Filing a Natural Disaster Insurance Claim
Property owners often insure their property against losses due to natural disasters. If you are a property owner and you have an insurance policy for your property, you should be able to tell from the insurance policy itself what kinds of risks your policy covers. Some policies include risks of property ... READ MORE


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The responsibility is yours to determine if the physician that you choose is within network or not.

This will depend on the nature of the agent you spoke with. If a captive agent could be a claim against the carrier. If a non-captive agent you may have a claim against the individual agent/broker. Yo ...Read more For what reason would you suggest that any one owes him compensation because of a possible result from him giving blood?

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Land Development in Floodplains: Technology to Guide State and Local Decisi

 Land use and development in areas that experience seasonal or periodic flooding is complicated. Responsibilities in the event of a flood that causes property and land damage are spread out among ... Read more

When is Evidence of Liability Insurance Admissible Under Maryland Law?

It is well established under Maryland law that, typically, evidence of liability insurance is not admissible to determine whether a party is negligent. Such evidence is highly prejudicial and irreleva ... Read more


In the Sports & Entertainment industry, proper risk management prior to, during, and after each event is critical to success. As an event organizer, you want your patrons to enjoy themselves and y ... Read more


Conflicts between the insurer and the insured can arise from the fact that the duty to defend is much broader than the duty to indemnify. The insurer’s distinct and independent duty to defend it ... Read more

A Major Danger To Commercial Property Owners (And Their Lenders)

Almost all property owners’ insurance policies contain various endorsements covering such matters as rent insurance, business interruption, service interruption, liquor liability, flood and eart ... Read more

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