Most people are unaware that typical Homeowners Insurance policies don’t cover flood damage – that would require a separate Flood Insurance policy. Do you have coverage for flood damage? Even if you think it’s something you don’t need, it’s worth a discussion and learning more – a huge number of claims for flood damage occur each year to homeowners who aren’t in a flood zone.
Flood insurance is generally available through government backed insurance policies:
If your home is located in a special flood hazard area, and you have a mortgage, the bank will require that you purchase flood insurance. If your home is not in a special flood hazard area, flood insurance is not required by the lender, but is available. The government backed plans offer coverage on homes up to 250,000 for the dwelling and 100,000 for contents. If it is a business, coverage is available up to 500,000 on the building and 500,000 for business property.
More recently, other options have become available. President of The Fair Agency Kathy Silvia wrote an article for CapeCod.com that talks about these options – check it out:
Kathy Silvia, has been recognized by The Society of Certified Insurance Counselors (CIC) for her 35 years of committed professional leadership and advanced knowledge. Kathy earned this designation through a series of rigorous examinations and has maintained the designation by annual attendance at an approved CIC program.
“The continuing commitment and professional dedication represented by Kathleen sets a high standard within our industry.” said Dr William Hold, CIC, CPCU, CLU, and President of the Society of CIC. “This thirty-five year accomplishment signifies a career of active leadership in advanced education. Kathleen’s commitment to professional development positively reflects on the insurance industry as a whole.”
The 12th Annual MDA Firefighters Chili Challenge was this past Sunday at the Hyannis Resort and Conference Center. I had the pleasure of attending with my 5 year old daugther. My husband was there with his firehouse, Joint Base Cape Cod, and while they didn’t win I still think theirs was the best. Of course I may be a little bias here seeing as this is my hubby’s family recipe. The People’s Choice winner was Wareham. Second place went to Mashpee and Third Place was Hyannis. Blackstone Firehouse won for the best booth display. The Chef’s Cup winner was Yarmouth, second place was Mashpee and third place was Plymouth. MDA and the local firefighters put on a good show. The chili was hot and drinks served cold. Orleans won for hottest and it certainly was. I had just a little taste and OH Boy that was one HOT chili. My mouth was on fire. My daugther and i also enjoyed the live band that was playing. Good times for a good cause. The proceeds benefit the families in our community fighting the effects of muscular dystrophy, ALS and similar life-threatening diseases. See you again next year.
Winters can be long on Cape Cod, and I for one don’t enjoy spending all my time inside. This year my husband and I decided to try something new. There are many hiking trails around Cape Cod and it’s on my bucket list to do them all. First on the list are the hiking trails in the Town of Barnstable. On the weekends, my husband and I have been checking trails “off the list”. We have seen cranberry bogs, wildlife, beautiful ponds, and so many types of plants and vegetation. A brisk hike in the winter helps keep those “blues” from setting in. Here’s a link to the trails in the Town of Barnstable. Enjoy!
At the end of a long day, when I go home, my stress reliever are my two shih Tzus, Sasha & Maggie. There is nothing like being greeted with such enthusiam every day, day after day. When we go for walks, I love to watch their antics and how much they enjoy the little things, a new path to walk on, a new dog to stiff, a new person to say hello to – a lesson to us humans. One of my favorite websites is Reshareworthy and many of the posts are about animals. I have attached one .
Bob Fair was co-owner of The Fair Insurance Agency of Centerville. He began his career in the insurance industry with New York Life, then joined his family at Fair & Yeager Insurance in Natick, prior to founding Fair Insurance Agency in Centerville with Kathy Silvia in 1987.
Bob served in the Navy from 1952 to 1954. He passed away in 2011.
The Fair Insurance Agency was Bob’s second family—he brought humor to the office, a positive attitude, and he was always reaching out to help others. He was much beloved by all, both in the agency and in the community. While the passage of time has healed some of our loss, he is still sorely missed.
We’re really happy with the commemorative portrait we had commissioned – it captures an expression we all knew so well. You can see the gleam in his eye. We all strive to carry on the strong values of service, community and excellence that Bob brought to his work.