By Anonymous October 16, 2014
my name is Cristina Coyt I'm calling for my husband Gregorio Sanchez Moralez plz give me a call back I hope I'm calling the right place my cell # is 352-226-1365 ...read more
By Jim Coates July 12, 2010
Started with them 30 years ago. They handle our wind, flood, fire, and auto insurance business. Chuck is a great guy and the staff seems to be trained to put the customer first. They have this attitude that if you have a problem they will find a way to fix it. Can't ask for more than that. ...read more
It was an awesome experience to welcome Lucy for her first visit to our office. The feelings we have about our first grandchild are difficult for Cathy and me to put into words. Little Lucy seemed to like it here. I tried to make her mom and dad (daughter-in-law Amber and son Trey) leave her with us. But, that wasn’t going to happen. We have always worked to make our office a family friendly place. You can tell that on this day in particular, it was a great family day for us. So, stop by and bring your grands (or kids), we’d love to see them. ...read more
By Harrell Insurance Agency February 22, 2016
Typical homeowner policies do not cover flood, so it is most likely that unless you’ve purchased a flood insurance policy, you do not have coverage for flood losses. Even though flood insurance is available through many insurance companies, it is actually the federal government that is providing the policy through the National Flood Insurance Program (NFIP). According to the NFIP, a flood is defined as an overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, a mudflow, or a collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. The NFIP flood insurance products are generally more complicated than those offered by most other property insurers. Unlike a private property insurer, the NFIP does not have to compete against other insurers. The policy terms and rates for the various flood insurance policies are determined by the government. As a result, comparison-shopping for flood insurance is not necessary, but a buyer should carefully discuss and review the conditions and requirements of the applicable flood insurance policy with their agent. It takes a minimum of 30 days for a flood insurance policy to become effective, unless it is being purchased in connection with purchasing a home or refinancing a mortgage. It is prudent, therefore, to purchase a flood insurance policy well before you think you will need protection. In addition, depending on the type and location of the building being insured, certain forms may have to be completed by a qualified individual such as an engineer. Available Flood Insurance Policies The NFIP offers three flood insurance policy forms. For each of the policies, contents coverage is provided if purchased. Policy types vary based on how a building is occupied. Dwelling Form – Provides building coverage for residential buildings of no more than four families or single-family homes and includes limited coverage for detached garages. General Property Form – Provides building coverage for nonresidential buildings, residential buildings of more than four families, manufactured homes, and residential condominium buildings if the named insured is the condominium association. Residential Condominium Building Association Policy – Provides building coverage for a residential condominium building, including all units within the building and improvements made within the individual units. Owners of individual units can purchase building and contents coverage through the Dwelling Form. Availability of Flood Insurance Flood insurance provided by the NFIP is available in over 20,000 participating communities through private insurance companies. Check with your insurance agent to find out if your community participates. Reduce Your Exposure to Flood Losses The most important loss mitigation factor in reducing flood risk is the elevation of the structure. This means making sure that your home is at or above the projected flood elevation, a level that is commonly referred to as the “hundred-year flood level.” Here are other things that can be done to help reduce future flood losses: 1. Raise the location of the main electrical switchbox, electrical outlets, and the appliances above the lowest floor level protects against some flood losses. Placing a heater and furnace on blocks also reduces exposure to floods. 2. If your sewer system doesn’t have a backflow valve, hire a licensed plumber to install one. Also, ask the plumber to check the function of your floating floor drain plug, or to install one, if one doesn’t already exist. 3. Fuel tanks, such as propane tanks, may float away, tip over, or otherwise cause damage due to flood waters. Secure them in accordance with local building codes. Even if you are not located in a high risk flood zone, it is recommended to purchase a flood policy. For those that qualify for the preferred risk rates, the cost is minimal. For more information about South Carolina flood insurance, give Triest Agency a call at 843-556-6232. ...read more
By Triest Agency July 08, 2014
Two proposals going through and working on more for a large account. It's pretty outside here in Charleston. We live in a wonderful city! Ahhhh, Charleston! ...read more
By P C & L Agency February 17, 2012
As the cost of owning and operating a vehicle increases with time and the rising gas prices, rising repair costs and other factors, cutting costs wherever possible is especially important. This can be done by monitoring your automobile insurance rates. Situations change and it's important to keep a cl... ...read more
Car collision insurance provides coverage in the event of physical damage to the policyholder’s own auto. The damage must be caused by colliding with another vehicle or inanimate object. It doesn’t matter if you are at fault or not. The insurance company pays for losses that are over the d... ...read more