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Are you covered?

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Real Estate Agent with Realty Group Referrals 16766

Are you covered?

Within a few days we have experienced an earthquake and a tropical storm in Maryland.  We are grateful that our home in the Kentland community in Montgomery County had no damage.  Howver, thousands of homes are still without power and many homes and businesses suffered damage.  One of the shocks that will be faced by many is the lack of insurance coverage.  Would you be protected by insurance if you had earthquake or flood damage?

It is a good time to review insurance policies and reconsider the risks that we are willing and able to tolerate. As our communities clean up the damage, it is also good time to lend a helping hand to the elderly and the disabled folks that may not be able to handle the yard or repair work.

Kentlands photograph by Roy Kelley.  Life is good in Maryland!

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Roy and Dolores Kelley Photographs

Roy Kelley and Associates

 

Roy Kelley, Associate Broker

Realty Group Referrals (Retired from RE/MAX Realty Group)

6 Montgomery Village Ave., Suite 200

Gaithersburg, MD 20879

Main Office:  301-258-7757 (You will not reach me at this number)

Send an email message if you need my phone numbers. I will be happy to recommend a real estate professional if you are moving to the area.

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Rob Thomas
Prestige Homes of The Tri Cities, Inc. CALL....423-341-6954 - Bristol, TN
Bristol TN-VA & Tri Cities Agent, ABR, GRI, e-Pro

Roy....This is really good reminder to get that checkup! Glad you are safe!
Hope you have a great week!---Rob

Go Vols!

Aug 29, 2011 12:04 AM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

Good morning to all. On this first day of school in Montgomery County, some schools are without power and will remain closed.  Some businesses had clean up crews working on Sunday as they addressed the damage from the tropical storm.

Some traffic lights are out and all are reminded to treat those intersections as four way stops.

 Blooming for you.

Aug 29, 2011 12:38 AM
Gerry Michaels
Glasswork Media Arts - Gettysburg, PA
GettysburgGerry Social Meida

Whats amazing is you could pay the extra for flood insurance and still not be covered. Insurance is a complete rip off and the industry needs total over haul

Aug 29, 2011 01:22 AM
Anita Clark
Coldwell Banker Access Realty ~ 478.960.8055 - Warner Robins, GA
Realtor - Homes for Sale in Warner Robins GA

We all need a plan for these unforseen emergencies, and if already prepared, re-check our current policies to ensure we have the coverage we need.

Aug 29, 2011 02:03 AM
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Good Morning Roy,  My best friend is a insurance agent and he has so many stories of people wanting lower rates, so they cut things out.  Hope you have a great day.  I just blog more Yellowstone pictures.

Aug 29, 2011 02:45 AM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

Thanks so much for your comments.  It pays to have a trusted insurance agent that will make sure that you have good advice on needed coverages.

 Blooming for you!

Aug 29, 2011 02:50 AM
Sondra Meyer:
Colorado Springs, CO
See It. Experience It. Live It.

Roy, I'm glad your home escaped damage.  Your reminder about checking insurance is applicable to all of us, no matter where we live.  Thanks and have a great Monday. 

Aug 29, 2011 03:30 AM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

Good to hear from you, Sondra.

A Montgomery County, Maryland insurance agent just gave me some cost quotes to share. 

Earthquake coverage would be about $200 for a $650,000 home.  $2,500 deductible.

Flood insurance would run about $450 a year in a non-flood zone.  There is also a deductible.

Both policies should be available from your insurance agent that provides your homeowners policy.  And, the additional coverages are added at the HO renewal date.

 Blooming for you!

Aug 29, 2011 03:43 AM
Michele Cadogan 917-861-9166
Fillmore Real Estate 2990 Av U, Bklyn , NY 11229 - Brooklyn, NY
Licensed Real Estate Associate Broker -

 

Good Morning Roy- Glad to know that you and your family are safe and doing well.  The events of the last few days here is a wake up call to residents in the northeast to did not think that earthquakes and hurricanes would affect them.  I agree with you that we must all revisit our policies before the next event strikes.    Have a safe day.  Watch out for fallen wires.... 

Aug 29, 2011 03:52 AM
Keith Gilkey
Re/Max Chesapeake - Elkton, MD
410-920-7214, Re/Max Chesapeake

Roy, Great reminder! I hope you fared well through the storm. We were really lucky and didn't lose power.

Aug 29, 2011 04:16 AM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

Thank you, Michele and Keith, for your comments.  Dolores and I are grateful that our home had no storm damage.

 Life is good!

Aug 29, 2011 06:43 AM
EC, JF, Double R and Zoey the Cool Cat
Russel Ray Photos - San Diego, CA

We can't get earthquake here unless we have a rider to the policy and pay outrageous premiums, especially if we want the earthquake insurance to actually cover our home and possessions!

Aug 29, 2011 03:16 PM
Rich Murray
PMNC, Cary, NC - Cary, NC
GRI, ABR

I'm protected on hurricate but not sure about Earth Quake. I'll have to make a call in the morning. Thanks.

Aug 29, 2011 03:23 PM
Jennifer Fivelsdal
JFIVE Home Realty LLC | 845-758-6842|162 Deer Run Rd Red Hook NY 12571 - Rhinebeck, NY
Mid Hudson Valley real estate connection

Roy this is a review we should  all do.   For some reason I have earthquake protection.

Aug 29, 2011 04:50 PM
Robert Vegas Bob Swetz
Las Vegas, NV

Hello Roy and a wonderful photo, the colors are very vivid!

VB ;o)

Aug 29, 2011 07:03 PM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

Good Tuesday morning.  Another beautiful post-Irene day in Maryland. The weather is perfect for home buyers to make their selections of homes that will bring much happiness to their families.

Longwood Gardens Photograph by Roy Kelley.  Canon PowerShot G11 Camera.

Aug 30, 2011 01:10 AM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

We have a very nice day in Kentlands. The weather was perfect for my early morning photowalk through our home community.

Aug 09, 2016 02:15 AM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

Today is my birthday and I have been busy with birthday greetings on Facebook.

Have a great day and an outstanding week.

Aug 21, 2016 04:08 AM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

We have a very muggy morning in Kentlands. The humidity is at 92% and we expect afternoon thunderstorms.

Aug 18, 2017 06:21 AM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

It is a good practice to revisit old blogs and reblogs from time to time. We might even find some good ideas for new posts.

Mar 20, 2018 08:58 AM
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