Ground Water Could Sink Your Investment

Flood Insurance, Ground Water

Will flood insurance cover your basement if ground water enters your home? After a record breaking snowfall year, Roger L. Daniel Insurance is advising clients to be mindful of water around their home this spring. As we write this post Billings, MT just broke an all-time record for snowfall. If the moisture continues, many in our […]

Ground Water in Your Basement

Ground water presents a serious issue for homeowners insurance coverage. When the water table rises after an abundance of moisture, many people find ground water leaking into their basement. Homeowners insurance typically excludes ground water; one option for coverage is to research the National Flood Insurance program.   There are definitions and exclusions in homeonwers insurance […]

Fire Up the Grill—Not Your Home!

A Personal Insurance and Safety Update In 2016, 17,200 people went to emergency rooms because of barbeque related accidents. Sixteen percent of home structure fires involving a grill were caused during ignition because something flammable was too close to the grill. Twenty percent of all reported grill fires were a result of leaks or breaks. […]

These Claims Were All Covered!

Auto Insurance  Auto insurance plays an important role in society. It protects you from liability and covers the damage in the event of an accident.  Remember each auto insurance policy is different, and if you purchased your auto insurance online you may not have proper coverage. Claims will be paid based on your individual auto […]

Update Your Home and Business Insurance To 3.0

An Insurance Update Advancement in technology minimizes your risk and lowers your cost of insurance. Your personal insurance is part of a new wave of technology that is taking the country by storm. The insurance industry calls this the “Internet of Things” (loT). There are many good articles relating to this issue and we have […]

Flood Season Is Here…Are You Covered?

A Flood Insurance Update Winter will soon be over, and the arrival of spring rain can lead to major flooding.  In the past 5 years, all 50 states have experienced floods or flash floods.  Flood insurance cannot be purchased during a flood.  There is a 30 day waiting period once the application is processed. Therefore, […]