Blog - Flow Insurance Services

26 Nov Homeowners Insurance and the Surging Increase in Wildfires

Posted at 11:23h in Wildfire by Adam M

Wildfires are rapidly becoming one of the costliest natural disasters homeowners across the United States. As each year goes by, it seems as though wildfire season starts earlier and ends later. Reports from 2017 assembled by the National Interagency Fire Center show that there was...

20 Nov Does Your Client Need Professional Liability Insurance?

Posted at 11:24h in Uncategorized by Adam M

Is your client in the business of providing some form of professional advice or services to individuals or businesses? Could the services they offer, including counseling, cause the person or firm to lose money or something else for which they could be held responsible? ...

15 Nov Most Common Causes Of Vacant Property Claims

Posted at 11:08h in Uncategorized by Adam M

It is not unusual for a property owner to find themselves sitting on a vacant property for a variety of reasons. Whether you have a property up for sale, a rental that is currently awaiting a new tenant, or you have a winter or vacation...

13 Nov NFIP Drops Their Non-Compete Clause

Posted at 13:35h in Flood by Adam M

Under a new ruling by FEMA, changes are being made to provisions that did not allow private insurers who offer National Flood Insurance Policies to provide their own products and at the same time stopped buyers from being able to cancel their NFIP policies if...

08 Nov 9 Steps Agents Can Take To Help Control Their Clients Workers’ Compensation Costs

Posted at 14:41h in Uncategorized, Work Comp by Adam M

It seems that for many insurance agents once they sell workers’ comp insurance to their clients, that’s the last time they have anything to do with it. Far too often the only time the subject of worker’s comp comes up is when an employee gets...

06 Nov Four Tips Your Client’s Need to Know About Habitational Insurance

Posted at 09:36h in Habitational by Adam M

There are over half a million businesses in the U.S. involved in the apartment rental business, which accounts for more the $163 billion in annual revenue. On top of this, across the border, Canadians are flocking to apartments in such high numbers, the current occupancy...

01 Nov The Cost Of The National Flood Insurance Program

Posted at 12:11h in Flood by Adam M

According to the Nation Weather Service, approximately 75 percent of all declared disasters are related to floods. The risk of flooding continues to rise as more development occurs in flood zones and as a result of the changing climate. The NFIP was given an extension...

30 Oct Why Don’t More California Homeowners Have Earthquake Insurance Coverage?

Posted at 11:08h in Earthquake by Adam M

On October 17, 1989, the California Bay Area suffered a major earthquake that caused many freeways to collapse, resulted in 63 deaths, and racked up billions in damage costs. What might surprise you, is that 25 years later only 10 percent of the over 7...

25 Oct Helpful Tips for Surviving the California Wildfires

Posted at 11:16h in Wildfire by Adam M

Living in California means living with a never-ending wildfire season and the accompanying destruction. If living with wildfires isn’t bad enough, they continue getting worse every year. If you look at the numbers for 2017, they are pretty scary. California Fire responded to 250 wildfires....

23 Oct Understanding Real Estate Investor Insurance

Posted at 13:46h in Real Estate Investor by Adam M

Real estate investors insurance is not just for “flippers,” it is intended to be there for investors who rent their properties out rather than sell them. There are in fact more reasons to make sure your properties are adequately protected when they are used as...