By Denise Koslowsky When I talk about insurance, which is quite often, sooner or later the conversation will come back to what I currently consider a crisis – the many homeowners who are underinsured. It is an easy topic to understand when you are speaking in regards to the homes devastated by wildfires in California or the homes torn apart...

No one really likes to think about insurance.  Insurance is a necessity that you take care of and don’t give a second thought until some type of unexpected disaster occurs.  Unfortunately, waiting to update your insurance broker could leave your insurance lacking when you need it most. Keep in mind, the more your insurance agent knows, the better they can...

With all the rain and the abundance of hurricanes and tropical storms we’ve been faced with this year, Advocate Brokerage feels like we need to share some truths with you about flood insurance. Below are a few assumptions people make about flood insurance and what you need to know. I have homeowners insurance so I’m covered. What you need to...

  It’s been a cold, wet and snowy November.  As we head into the winter season your insurance advocate wants to be sure our clients know what steps to take to keep your home safe. Your home is your world and you want to be sure it is protected from winter’s woes.   Below are some of the types of...

                  It certainly seems like throughout the summer and so far this fall we have had more than our fair share of rain!  Heavy rainfall can lead to water invading homes and businesses causing thousands of dollars of damage.  When water infiltrates your home it can create an environment where mold thrives. ...

It’s hard to believe that we are talking about fall, yet the time is near.  The official first day of autumn is next weekend! To keep your home, safe, warm and dry as we leave summer in the rearview mirror and head toward cooler weather, there are a few things you should consider. As soon as frost is in the air,...

                Safety first!  If you have been asked to evacuate, please do!  Do not attempt to ride out the storm.  Property can be replaced but you cannot be. Next, there are things you can do now to protect your property. What to do now: Install Storm Shuttersright away and be sure to deadbolt and lock your front...

A water leak in your home has the potential cause thousands of dollars of damage. Water flows where it wants to flow and causes damage to nearly everything in its path.  Our friends at Pure Insurance have shared with us that nearly 70% of their claims come from water damage. Drip pans can be your first line of defense Drip Pans should be installed...

  When a Tree Falls, am I covered? With each major storm, this question comes.  It is one of the most frequent questions we receive at Advocate Brokerage, so we thought we would take some time to share all the important information you need to know about fallen trees and how they affect your insurance. Am I Covered? Let’s start...