For those living or working in the Atlantic hurricane region, June 1st rarely passes unnoticed. At Setnor Byer Insurance & Risk, we understand that preparing for hurricane season is rarely easy and often stressful. We also understand that a lack of awareness and preparation can...
Protecting your family, home and property is a full time job. Unfortunately, busy schedules often get in the way of making safety a top priority. Since May is National Electrical Safety Month, now is a good time to discuss electrical hazards and review effective safety...
Though many have heard about road rage, few truly grasp the problem. Many people don't know that: More than 1,000 deaths have been attributed to road rage since 2007 Over a 5 year period, reports of extremely angered drivers have doubled, increasing by 170% A...
Though often overshadowed by hurricanes and earthquakes, fire remains one of the greatest risks facing homeowners. Consider the following: U.S. fire departments responded to an estimated 1,375,000 fires in 2012 Residential fires caused 2,450 deaths and 13,900 injuries in 2011 On average, 7 people per...
Property damage caused by flooding is not covered by standard homeowners’ insurance policies, so those facing a flood risk need a separate flood insurance policy. The National Flood Insurance Program (NFIP) provides access to affordable, federally backed flood insurance. What is a Flood? The NFIP defines a...
People typically purchase insurance because they have to, not because they want to. For the most part, consumers are happy to obtain the minimum required insurance coverage at the lowest price they can find. That is, until a claim comes along. Only then do they...
Halloween is here! Get ready for the costumes, parties, pranks, trick-or-treaters, candy and…the risk. Every year we are reminded how quickly Halloween celebrations can go wrong. Since cancelling Halloween is not an option, it is important to identify risks that can be controlled and insure...
Hurricanes have led to significant building code changes in Florida. Ordinance or Law Coverage provides for the additional cost to bring a building up to current building codes when significant repairs are needed. One of our Insurance Carriers, Tower Hill Insurance Group has created a...
One of our Insurance Carriers, Tower Hill Insurance Group has created a great video explaining how Catastrophic Ground Cover Collapse (CGCC) is covered by your homeowners insurance policy.If you'd like to learn more about this coverage in regards to your policy please contact us. https://www.youtube.com/watch?v=X9Uv_cwZ4GQ Below...
Whether purchasing a new policy or determining if a loss is covered under an existing policy, it helps to have a basic understanding of how auto insurance works. Here is a brief explanation of some common auto insurance concepts and coverages that you can use...