FLOOD 2011 Update 
By Peter Wallin, Insurance Agent
Elmira NY
www.WallinInsurance.com
It has been a devastating few months for many of our friends and neighbors in the Southern Tier. Yes, we did have some insurance clients who had flood insurance policies and they are working to have their claims settled. Unfortunately, many affected people did not live in a flood zone and were not required by their bank to carry flood insurance. The damages they sustained were not covered.
We have seen several smaller insurance claims paid when the homeowner carries a special endorsement called “Sewer and Drain Backup.” PLEASE make sure you have this coverage. It is very affordable and our companies have paid numerous claims when there is a power outage and a pump stops working, or back up of water from an overflowing pipe or drain.
As far as auto insurance goes, if you carry comprehensive coverage on your car you are covered for flood. Water that damages your vehicle is something that will be picked up by your insurance company. This is subject to your deductible.
Please read your home and auto insurance policies carefully so you fully understand what is covered and what is not. As always, we are available to answer your questions.
Peter Wallin
WallinInsurance Agency Inc
1364 College Ave
Elmira, NY 14901
877-310-7276
www.WallinInsurance.com
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