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    Personal Insurance Blog

    Geoffrey Gordon

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    Home Safety Reminders for the Holidays

    Posted by Geoffrey Gordon

    Tue, Nov 20, 2018 @ 02:54 PM

    holiday luminaries pic 2018

    The holiday season is a busy time, and that busy-ness can make us unaware of dangers that lurk in plain sight. Here's a partial list of things to be mindful of in the season of lights and cold weather.  We've seen these conditions turn bad, and we want you to enjoy all this particular time of year offers.

    While electrical fires are less common today than they were before circuit breakers and GFI plugs, let's be reminded that electricity does generate heat. Thus:

    • Don't leave candles unattended. Melting wax is an accelerant, and every year over the holidays the local news has a story or two of a burned out home from forgotten candles left lit.
    • Turn off Christmas tree lights whenever you leave the house.
    • Don't pile too many lines into a single socket; overuse of a socket can generate too much heat.

    Fireplaces warm the room, and our hearts, but a friendly fire and a hostile fire are two very different things.  Our old house has seven working fireplaces, so these tips come from real experience:
    • Never vacuum ashes from a fireplace unless they are fully cold to the touch. If you've ever sucked up a single small spark into a vacuum you've seen how oxygen being blown through a bag of dust can turn that spark hot and hostile in seconds (and the smoke it emits smells really bad – this one from an early lifetime, memorable, fireplace experience).
    • When cleaning ashes, don't collect when warm to the touch, NEVER in a paper bag,and never leave them the house or garage. Store in a metal container and place it outside  (ashes spread over packed down snow improve footing, by the way).
    • If the fireplace does not have a safety door or fireplace screen to prevent sparks from escaping, stay close. Nothing like a burning log rolling out onto the floor turning friendly to hostile.

    We cook and bake a lot over the holidays. Checklist items from the kitchen include:

    • Is the oven off when you leave the house?
    • Are children around? Turn pot handles in and move knives safely out of reach. 
    • Are the kitchen smoke detectors operating properly? If battery operated, go ahead and change those batteries now.

    Finally, is your best friend during an emergency fire nearby and quickly located? We're talking about fire extinguishers here. Now is a good time to check the expiration date or pressure charge indicator.  A First Alert fire extinguisher is about $20 on Amazon or your local hardware store.

    Now go and enjoy the best of the season, be with friends and family, and be thankful for all we have.

    To discuss any of the above with respect to your own insurance program, please don't hesitate to call the Gordon Atlantic Insurance professionals toll free at 1-800-649-3252. Prefer to type versus talk? Use the form at the left of this blog.

     

    Tags: home safety, holiday safety, fires, Christmas tree lights, fireplace safety, oven safety, smoke detectors, candle safety

    2018 California Fires

    Posted by Geoffrey Gordon

    Tue, Nov 20, 2018 @ 02:25 PM

    The devastation in California has already taught us a few hard lessons. First, some statistics as of Tuesday, November 20th, 2018:

    • The Camp Fire has consumed over 150,000 acres and is now 70% contained. Over 12,620 residences have been destroyed and over 480 businesses have burned down. Loss of life is at 77.
    • The Woolsey Fire in southern California has burned over 96,000 acres and over 1,500 structures. Loss of life is at three.
    • Insured losses stand now at about $14 billion, and are expected to exceed 2017's record number (also $14 billion).
    • Many homes are inadequately insured, particularly as "demand surge" has driven up construction costs about 30% since the fire. Required code upgrades are often overlooked in calculating insurance values.

    CA Wildfire Pic_Firefighter 2018

    While these losses will affect earnings of large insurers like AIG and Chubb, analysts don't expect the fires to affect capital ratios significantly. This means their financial stability should remain secure.

    Given these losses are on the heels of the 2017 season, insurance costs will indeed rise in California and underwriting standards will become more stringent. We don't expect much effect on rates here in the northeast that are not already baked into reinsurance rates (the insurance that insurance companies buy).

    Local businesses in the affected regions won't fare well. Beyond loss of buildings there will be significant loss of inventory, lost income, and major labor disruptions. The areas affected will take time to rebuild and many people will simply move.

    California's utility company PG&E has been cited as the source of the Camp Fire. Their potential liability was cited as $20 billion in a recent report in BusinessInsurance; with a market value of $22 billion how that liability plays out will take time.

    The human displacement is similar to the Caribbean or southern or coastal United States after a major hurricane.  Among the commercial buildings destroyed was a hospital. When we hear on the news that people have lost everything, this can mean homes, personal effects and memorabilia, cars, jobs...and most tragically, loved ones.  

    If you are inclined to make a donation to help, there are several reputable organizations helping, including the American Red Cross and the Salvation Army.

    To discuss any of the above with respect to your own insurance program, please don't hesitate to call the Gordon Atlantic Insurance professionals toll free at 1-800-649-3252. Prefer to type versus talk? Use the form to the left of this blog.

     

     

    Tags: forest fire, California fires, home loss, life loss, devastation

    Halloween (the movie) & Minimizing Risk

    Posted by Geoffrey Gordon

    Thu, Oct 25, 2018 @ 05:09 PM

    Halloween Pumpkin Pic

    The latest remake of the 1978 original “Halloween” horror flick surprised a few people with its opening weekend sales of $77 million! This was more than double the formerly highest grossing “Halloween” movie ($26 million its opening weekend in 2007). Looking at these large dollar figures, it seems that people like to get scared more in a group (such as in a theatre) than at home. What’s the appeal? When things go wrong…when things get scary…there is comfort in numbers.

    Numbers provide a measure of predictability and certainty to a situation. On the other hand, unpredictability and uncertainty are at the core of risk, which causes us stress. With theatres under tremendous competition from streaming providers such as Netflix, Amazon and Hulu, the horror theme seems to be well positioned to scare a bunch of people together.

    In our homes, we can minimize uncertainty of seasonal changes by preparing our homes for cold weather beginning in the fall, and prompted by setting our clocks back. Here's a short list for a Saturday after Halloween:

    • Clean gutters (or hire a handyman for this)
    • close all sill cocks (outside water faucets) from inside (to prevent freezing)
    • inspect the chimney liner if you burn wood - let a chimney company do this)
    • change air filters for air based heat,
    • check around windows for any caulking needs

    Also, review the checkups we should do twice a year (when we put our clocks forward or back):

    • Check tags and location of fire extinguishers (can you locate a fire extinguisher right now?)
    • Change out the batteries on smoke and CO2 detectors
    • Has your family makeup changed such that a review of your family's disaster exit plan should be updated?

    There's also value in numbers, including the number of people at Gordon Atlantic standing behind your insurance, and who have experience with risk reduction, claims mitigation, and claims handling. Always let us know how we can reduce the cost of risk (uncertainty and unpredictability) in your world.

    Call to speak to a Gordon Atlantic Insurance professional by calling 1-800-649-3252. Prefer to type versus talk? Click below.

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    Tags: Halloween, risk, minimizing risk, uncertainty, scary movie, seasonal, safety tips, safety

    How does a Homeowners Policy cover water in a basement?

    Posted by Geoffrey Gordon

    Sun, Mar 04, 2018 @ 12:47 PM

    The homeowners policy is limited when you get water in your basement.  Flood insurance, if you have it, will provide some help but is often limited to mechanicals (e.g. heating system).  This article will provide some guidance on available coverages as well as what you can do to reduce damage if your basement gets really wet. 

    sump-pump.jpg

    Your basement is a concrete box stuck in the ground, often below the water table (especially after a big storm), that is designed to keep water out...but it doesn't always succeed.  Water pressure is relentless and often finds its way in, which is why many people who experience wet basements have a sump pump.   A good sump pump will extract water from the lowest point in your basement and pump it outside, away from the house.   But a sump pump doesn't work without power.

    Some homeowners policies have optional limited "sump pump failure" coverage for these circumstances.  Since this insurance is subject to adverse selection (meaning only the people who are especially exposed buy it), it is expensive and limited.  If you don't have sump pump failure coverage and you get water in your basement, your homeowners insurance will be extremely limited.

    flooded-basement.jpg

     

    How does Flood Insurance  from the NFIP handle flooded basements?

    In another example of underwriting against adverse selection (and flood insurance is another example of adverse selection where spread of risk is absent and risk cost is concentrated), NFIP policies do not provide insurance against any property below grade level except for mechanical systems like your heat.  And if your mechanical systems are indeed in your basement, below grade level, the NFIP will charge for this.

     

    What can a homeowner do, absent of insurance?

    Extracting the water from your basement should be your first priority

    1. A wet vac (wet vacuum), available at Home Depot, Lowe's, Walmart, and other big box stores, is a good household item able to safely extract water.  Wet vac what you can and open basement doors and windows to let the high humidity air escape.furniture-on-palette.jpg
    2. Put anything wooden on palettes, blocks of wood or concrete pads to prevent water from seeping into furniture or other property. 
    3. Professional remediation contractors have banks of high capacity fans to get water to evaporate and leave the building quickly.  Use any and all fans you have at your disposal once power is restored and turn up your heat to accelerate the process.

    Water is the enemy in any location that is subgrade.  Fans, wet vacs, squeegies, mops, and/or specialists...use whatever and whomever it takes to get the water up and out.

    To discuss your personal homeowners policy with an insurance professional at Gordon Atlantic Insurance call us at (800) 649-3252.  Prefer to type instead of talk?  Click below.

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    Tags: Water damage

    How does a Homeowners Policy Handle Tree Damage?

    Posted by Geoffrey Gordon

    Sun, Mar 04, 2018 @ 11:29 AM

    Tree damage to your home from big windstorms is absolutely covered under most homeowners policies. The policy covers having the tree removed; damage to the house; and any consequential damage to personal belongings (including damage from the rain that finds its way inside). This can get complicated with needs for cranes or other specialized equipment, roofers, and finish contractors...so getting in line early for these services is always a good step to take.  

    Tree damage that does not hit a structure is usually limited under most homeowners policies. When removal and cleanup are included, there is typically a $500 to $1,500 limit, and it may or may not be subject to your deductible. Contact us or your carrier's service center directly for your personal specifics.

    If a tree hits your home, take pictures and begin necessary repairs. When a tree penetrates a roof, or otherwise breaches the roof or walls, the opening can let water into the house causing additional damage.Don't wait to start on anything that you can safely do yourself, or through qualified service providers. Taking reasonable steps to prevent further damage is covered.   

    If you don't have a landscape contractor in mind who can cut up and clear away the tree debris in your yard, visit our service providers page. Be sure to keep in mind that the costs many of these providers charge goes up when there is a demand surge, such as the couple weeks immediately following a storm. If you're paying out of pocket, you can usually save a few dollars by waiting until after the initial demand is over. 

    To discuss your personal homeowners policy with an insurance professional at Gordon Atlantic Insurance, call us toll free at (800) 649-3252.  Prefer to type instead of talk?  Click below.

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    Tags: tree damage to home

    Get Road Rewards telematics for safer driving

    Posted by Geoffrey Gordon

    Fri, Mar 02, 2018 @ 03:52 PM

    Gordon Atlantic is always interested in promoting safer driving.  I beta tested a new telematics program ('telematics' is a fancy word for electronic monitoring of your driving) offered through our carrier Plymouth Rock.  With the program now launched, using the app earns points which users can redeem for discounts on Shell gasoline, free movie tickets and Starbucks gift cards.   But that's not the main reason I like it.  The main reason is that I have become a better driver.

    Here's how the program works:

    Road Rewards Pic.png

    Plymouth Rock Road Rewards measures your driving performance and provides a score measuring speed, acceleration, braking, cornering, and phone usage. The better you drive the higher your score...and the more points you earn.  It costs nothing to participate in the program, but you must be a Plymouth Rock Massachusetts customer and have access to a smartphone to earn rewards.

    At its launch, there are three existing partners:

    • Shell gas: where I could earn $1.00 a gallon off my next fill-up
    • Starbucks: where I can redeem points for coffee vouchers
    • Showcase Cinema tickets: where I can view the latest Oscar-nominated movie 

    As someone who isn't too fond of "Big Brother," I'm pleased to know that Plymouth Rock is not collecting sensitive personal information off this app, and there are data security measures in place to respect my privacy. My driving habits as measured by this app will also NOT be used relative to any automobile claim I might be involved in.  Further, my score will not be used to affect my premium, as telematics programs with other carriers do.  There's no downside!

    The Road Rewards app tracks through your smartphone and whatever vehicle that phone is in; having multiple vehicles won't affect your score.  You don't need to drive everyday, as scores only measure actual driving.  Data usage is minimal and you can have data uploaded only when connected to wifi in settings if you watch data usage. 

    Road Rewards Pic 2.jpg

    For parents: Imagine how this could impact your kids' driving habits. Have them download the app and remind them you'll be reviewing their score periodically... like whenever they ask for the keys!.  As the app recognizes phone use, such as answering a phone call or sending a text, you can see in the "Trips" section each trip in detail and where there are areas for improvement...such as not texting while driving, the most dangerous habit many kids seem to believe they are immune from.  

    It also utilizes GPS to track location in order to monitor trips and adherence to local speed limits; this is when I like the phone to verify if new drivers were where they said they were.  Parents: this app puts you in the back seat of the car...virtually.

    So here's the math: the safer you drive the better your score. The better your score the more points you earn.  It's that simple.

    Let me circle back to my earlier comment about the best part of this program.  Since using this app my driving has indeed changed. It has raised my awareness about phone usage (only on bluetooth now, never by hand) and no texting.  I slow down earlier for stopped traffic to avoid any hard braking and I pay closer attention to my speed.  This app has made me a safer driver, and I'm reminded of that every time I review the app's feedback and monitor my score.   

    AND I earn free coffee at Starbucks, free movies at Showcase Cinemas, and discounts on gas...that's pretty rewarding.

    Update: Mapfre (Commerce) is another carrier which has introduced a telematics program.  While their rewards are different, the net effect, better driving, parental monitoring, is the same.

    If you'd like to discuss your personal auto insurance with a Gordon Atlantic professional, and to see if Plymouth Rock and their Road Rewards program (of Mapfre's DriveAdvisor) might be a fit for you, call us at (800) 649-3252.  Prefer to type instead of talk?  Ask a question below or click for an obligation-free quote! 

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    What is premium fraud?  Or, is garaging location important for insurance?

    Posted by Geoffrey Gordon

    Wed, Sep 20, 2017 @ 09:57 AM

    Premium fraud refers to misstatements on an insurance application to reduce the cost of insurance.  When premium fraud is discovered by an insurance carrier, they may not pay a claim.

    We understand that everyone wants to reduce the cost of their insurance, but making intentional misstatements to manage the cost is risky, and defeats the purpose of the whole effort.

    Here's how it might play out, innocently:  Young adult from the suburbs gets a place in town with a friend or two, buys a car, then hears that insurance in the city is a lot more expensive.  "Just say you're still living at home!"   The problem is the "Just say..."

    Remember that an insurance policy is a contract. Parties enter into contracts with assumptions that relevant information is available prior to each party entering.  If one party (the insurance buyer) makes a "material misrepresentation" while entering the contract, the other party (the insurance company) has grounds for not having to be held to their obligations. (reminder / disclosure - we are not attorneys; do not construe this as legal advice or opinion). What does this mean for insurance?

    The most common occurrence of "material misrepresentation" in retail insurance is the scenario described above with the young adult - garaging location, or where your car spends the night.  Everyone knows that it costs more to insure the same car with the same driver in an urban environment like Boston than it costs in a suburban one. The difference is significant; up to twice as costly from Cape Cod, for example, to Boston.

    Here's the rub:  let's assume you are living in Boston and have a collision or comprehensive (vandalism, theft, or other non-moving damage) claim.   If the claim occurs in Boston, but the policy shows a less expensive garaging address, the insurance company will often investigate. After all, if they can show that the owner is living in the city, they might not have to pay the claim.

    Every insurance company has an investigation team, commonly called the SIU (Special Investigation Unit).  They are good at what they do, and with big data, their job is getting easier. Initial efforts may begin with a quick Google name search: we have seen reports where participants in athletic events, such as a road race, show their hometown as Boston. There are plenty of other publicly available places online providing clues or outright evidence of where you are living. Then the real investigation begins to prove premium fraud…. which may allow the insurance company to walk.

    If an insurance company can demonstrate the contract was entered into fraudulently, for example, by saying you live in the 'burbs when you live in town, their obligation is limited to provide compulsory coverage only: state minimum limits for property damage ($5,000), bodily injury, ($20,000/$40,000), and no collision or comprehensive coverage.  

    Providing false information to manage your insurance costs can be not only risky, but extremely counterproductive.

    There are plenty of other ways to reduce the cost of your insurance. Just give our office a call toll free at 800-649-3252 and we'll work with you to lower the cost of your insurance while making sure it will be there when you need it.  Prefer to type versus talk?  Click on the top left of this blog.

     

    Tags: Premium Fraud, Claim denial, False Garaging

    How payment habits affect your auto insurance costs

    Posted by Geoffrey Gordon

    Fri, Nov 04, 2016 @ 03:03 PM

    Most consumers are familiar with the fact that a less than perfect payment history will affect the interest rate on a loan, whether it be a car loan or home mortgage.  What fewer people understand is that credit history is also a strong predictor for automobile insurance losses. Credit is second only to driving history for insurance company actuaries, the number-crunchers who try to predict the most accurate rate for every driver. 

    Auto insurance costs are affected by credit in most states, but not Massachusetts, where the use of credit score in rating models is prohibited. However, companies understand the relationship, and use proxies: that is, other indicators of credit, independent of actual scores, that are permitted here.  Insurance bill payment history for example.

    At Gordon Atlantic we encourage people to pay up front, in full, if you can afford to.  Most carriers offer a paid-in-full discount, since it's one good measure of solid finances.  If taking the paid-in-full discount squeezes your cash flow, the next best alternative is electric billing, or Electronic Funds Transfer (EFT), where the monthly payment is withdrawn automatically from your bank account.  This approach also eliminates installment charges or finance charges on the remaining balance, and more importantly, reduces the chance of a late or missed payment.  

    Compare the total cost of these three options in the table below.  We included two late payments to show the additional impact of these costs (on renewal...wait for it).

    Builling options and payment credit-1.png

     The paid-in-full person paid 12% less than the person getting bills in the mail and missing two due dates.  But wait. It gets worse on the renewal.

    Recently I was speaking with underwriters and actuaries at one of our companies about rating algorithms.  One fellow remarked casually that a single late payment will increase the next renewal by about 4%, all other factors being equal.  A second late payment will bump the renewal by 9 to 10% and a third late payment by 15% or higher.  Payment history is typically reviewed for up to three years.   

    This next table shows the effect of the same policy, 'all else being equal,' on renewal, the following year.  With a couple late payments: see how the gap widens from the cost with EFT or paid-in-full.  At the end of year two the the person with two late payments per year is paying 25% more than the pay-in-full option.  It gets worse if the trend continues another year.

     Billing options and payment credits - REN.png

    If you still get a bill in the mail, and you think you have not left enough time to mail in a payment by the due date, pay by phone is an option with most companies.  Contact the company's billing department directly and arrange a pay by phone ahead of the due date.  (Billing contact for carriers we represent are here:  http://www.agordon.com/billpay


    CONCLUSION:

    Take control of your auto insurance costs by paying in full when you can, and paying electronically otherwise.  Your billing history matters.  A lot.  (By the way, it affects your homeowners costs even more directly).

     For more help with finding the best solutions for your personal needs, contact us any time.   

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    Tags: Credit score, credit in auto insurance

    Uber and other TNCs and Personal Auto Insurance in MA

    Posted by Geoffrey Gordon

    Thu, Sep 15, 2016 @ 09:48 AM

    Transportation Network Companies (TNCs) such as Lyft and Uber are growing like crazy, and insurance in Massachusetts is finally coordinated with the Uber / Lyft experience.  Until recently a major gap in coverage existed.   

    What's the problem?

    The Massachusetts auto policy excludes coverage for "livery", which makes sense when you think about it.   Livery means driving for hire: A cab, a limo, even paid ride sharing to work counts as livery ...if the driver gets paid.  

    TNCs are a new iteration of 'livery', and its effect on the value of taxi cab medallions - based on the limited supply of cab licenses - is well known. What is less known are some of the challenges Uber drivers face. One challenge is insurance: when a driver's Uber app is on and signals that the car is available for a fare or trolling for a fare, the personal insurance is suspended.

    In August 2016 Governor Baker signed a new law placing more stringent background checking systems and other regulations on Uber drivers, but not quite to the extent in place for cab and limo drivers. However, one feature of the law was a requirement for Uber drivers to notify their existing insurance company of their Uber status.  Until recently, many companies would simply not renew coverage for TNC drivers once notified that a driver was working with Lyft or Uber.   That's a problem.

    What about coverage Uber provides its drivers?

    Uber provides insurance as shown in the box below for when a rider has been matched, and while riding (meaning during the actual fare):   Once the person getting a ride gets into the car, and until they depart, Uber insurance fills the gap in the personal auto policy.

    What Uber insurance does NOT do is provide coverage when it is first suspended: when the "I'm available" app begins.  This is referred to as Period 1.

    uber_table.png

    Today, to keep continuous coverage while you're driving your car, any Massachusetts policy needs to be endorsed.  And we offer a solution.  

    What's the solution?  

    Until recently, most carriers stuck with the existing "livery" exclusion, with no way to quantify the cost of a trolling driver.  Now gap coverage is available, 

    We represent many companies, both Massachusetts specific and national, and we have one of the earliest providers of a solution.  If you would like a quote for Uber or Lyft gap protection, give us your contact information below, and we'll let get you to a solution.

    Geoff.jpg

    Tags: Uber, Uber and the MA auto policy, Gordon Atlantic Insurance Uber

    Fallout of Private Flood Insurance Market and Effect on NFIP Policyholders

    Posted by Geoffrey Gordon

    Thu, Aug 11, 2016 @ 01:58 PM

    IMG_0595.jpgA private flood insurance market is beginning to emerge for homes and businesses in existing flood zones. The effect of this development on the NFIP's monopoly on flood coverage here in the United States will be significant.  If you are able to transition from NFIP to one of our private flood markets, read on!

    A private market will provide innovation and cost savings for many consumers in flood prone areas.  Ultimately this will lower costs for many property owners.   But for others, watch out.

    Rates used today by the National Flood Insurance Program (NFIP) have little relationship to actual risk.  This is a program designed by Congress, so political factors influence many characteristics.  For example, consider two houses side by side, same age, same size and value, same exposure to a flood.  But one is a ‘primary’ home where the family lives full time, the other ‘secondary’, a vacation home.  The primary home pays less because a secondary homeowner presumably can afford higher prices.   Affordability is not a risk factor with catastrophe insurance.  Thus some properties are subsidized, while others are priced to subsidize other properties.  Until now, the NFIP has had a monopoly on pricing: take it or leave it.  Private insurance challenges all that.

    The private flood insurance market will be most competitive where they can underprice insurance for properties subsidizing others, that is, overpriced relative to actual risk.  They’ll do this by applying true  risk based rates, rather than those devised by the NFIP or Congress using factors such as homeownership as rating mechanisms.

    The effect on the NFIP program is already evident.  Losing policyholders who subsidize other policyholders is chipping away at the foundation of National Flood subsidized rates.  NFIP likes its comfortable monopoly, and is not eager to give it up.  If properties priced to subsidize others leave the program, prices will have to increase, perhaps substantially.

    NFIP isn’t making transitions easy for its customers.  We recently had a homeowner customer change from NFIP to a private program, saving about 50% or $2,000 in their case.   We sent the customer’s signed request to cancel the NFIP policy prior to the renewal date.  Unfortunately the bank (mortgagee) paid the NFIP premium from the escrow account.   NFIP would NOT cancel the policy, since they do not yet officially recognize the private market  (this may change with another act of Congress, but don’t hold your breath).   Thus, once the policy is paid, the premium won’t be returned, even with a signed request to cancel.   An appeals process is available, but again, don’t hold your breath. Careful coordination with your bank (to prevent payment) is important.   The bank must also recognize the private flood insurance.

    The main lesson is in the payment details: If you switch to a private carrier and the flood insurance is part of the bank’s escrow for taxes and insurance, notify the bank in writing NOT to pay the NFIP bill.  If they pay it, you probably won’t get your money back from NFIP.

    In addition, if you leave the National Flood insurance program and decide private flood isn’t for you, expect to need an elevation certificate and possibly higher prices when you do return.

    The long-term economic issue is this: as private insurance offers lower prices to overcharged properties, subsidized insurance in high risk, loss prone areas must rise.  We have long predicted that the economics of the National Flood Program were precarious, and believe that the private markets' disruption of the existing program will hasten the national program’s decline.

    The current program is today about $24 billion in debt to the U.S.  Treasury and Congress has been struggling with making the program revenue neutral for years.  With subsidized policies under threat from private insurance markets, this job just became harder.

    Look to Gordon Insurance for guidance on this ever changing and fluid insurance program.

    Geoff.jpg

    Tags: flood insurance, private flood insurance, new england, home, insurance

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