When Sinkholes Attack

When Sinkholes Attack

Sinkholes on East Cherry Street in Palmyra. Paul Chaplin | pchaplin@pennlive.com

3 Things a Homeowner Needs to Know

Hershey, Annville, Palmyra and now, Harrisburg, are riddled with sinkholes – just look at the Cherry Street sinkholes for example. Lately though, sinkholes have been rearing their ugly head within city limits. Sinkhole damage has been widely discussed pertaining to the roadways as we recently saw in a discussion on PennLive.com, with Today’s the Day Harrisburg, but what does it mean to a homeowner when a home becomes damaged by a sinkhole?

  1. Damage to your home caused by sinkholes is not covered by the standard homeowners policy. In Pennsylvania coverage for damage due to sinkholes must be added to your policy with an endorsement. An endorsement is insurance language for an added coverage or change to coverage. You may purchase the Sinkhole Endorsement for an added fee which varies per policy, just as people are – each policy is different.
  2. If a sinkhole opens up on your property and does not damage any structure on the property there is no coverage to repair the land. A homeowners policy is just that – for the home & other structures.
  3. If you wait until a sinkhole opens up near you it may be too late to purchase the coverage. As a broker, we utilize a number of carriers to ensure the best fit for each of our insureds and each carrier handles their procedures differently. Across the board we have seen companies shying away from writing a sinkhole endorsement on a home that is within a certain range of a current sinkhole.

Sinkholes are a very real problem in our area and with action being taken on the infrastructure of the city to remedy the problem, homeowners should be aware of what it means to them as property-owners. Taking into consideration the geography of our area and the ever-increasing occurrence of sinkholes it is definitely a coverage that is worth looking into.

Most of our insurance carriers offer sinkhole coverage. We can help you find the right fit for your family. Our team has decades of experience working with sinkhole coverage and how to put it onto your policy. Let’s work together to review your coverage – meet our team.

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Welcome to the CISR club, Mike!

Welcome to the CISR club, Mike!

You’re probably thinking, what is CISR? CISR is an insurance industry specific designation that is awarded to professionals who complete an intense series of classes and exams on varied insurance topics. Okay, great, but what is it?

The full nameCertified Insurance Service Representative, provides some clarity, don’t you think? This program is tailored to specific geographic regions of the country in order to match the curriculum to state law. Courses include Personal Residential property, Life & Health Essentials, Commercial Casualty, and much more. Basically, once an insurance professional completes the program, they become an insurance customer service guru. When you’re dealing with a CISR, you can be comfortable knowing that you are dealing with a real professional!

We are incredibly proud of Mike Bagwell for earning his CISR this week! He joins Kay Smith as our office’s second CISR.

 

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Stuck Inside of HealthCare.gov With The Application Blues Again

Stuck Inside of HealthCare.gov With The Application Blues Again

With all due respect to Mr. Bob Dylan, our team thinks that being stuck in the seemingly endless delay of HealthCare.gov is way worse than being stuck inside of Mobile. But hey, that’s just us.

What can you do about you? No need to delay your investigation. You do not have to wait for the Federal Government to resolve the issues hampering HealthCare.gov  – in fact, don’t wait. Call us.

The same plans and subsidies available on HealthCare.gov are available for purchase through KHB Insurance. Better than HealthCare.gov, we will provide you with real people – in person – to answer your questions. Let’s face it, purchasing health insurance remains complicated, even if the website looks pretty. You’ve got serious concerns about answering the many questions that must be completed in order to get accurate pricing. We’d love to share our expertise.

Why not give us the opportunity to assist? We’ll be there for you!  

And if you need some accompaniment  while you research all sorts of personal data needed for the application:

Stuck Inside of Mobile With The Memphis Blues Again – Grateful Dead @ JFK Stadium

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