Haas Agency Insurance

With the heavy rains in Connecticut recently, people are finding their basements flooded. Your standard homeowners’ policy does not cover damage from ground water, so that prevention is critical. First, take a look around your basement to check for any water or damp areas. Perhaps, some water has already come inside, and this should be [...]

Connecticut homeowners need to be aware of the importance of reinsurance.  Reinsurance is the protection insurance companies purchase in order to put a cap on losses they incur in the event of a catastrophe.
For example,  your home insurance carrier purchases an insurance contract that protects them if the losses from a catastrophe exceed $20 million.  [...]

Please take precautions during the spring thaw to route water away from the foundation of your house. Water in the basement can be a significant springtime challenge for many homeowners. Damage caused by ground water entering your house is not covered by home owners insurance. In some cases, flood insurance covers damage caused by ground [...]

How would you handle a loss to one of your most prized possessions? Do you have a diamond engagement ring, or tennis bracelet? A hand-me-down antique desk or chair? How about silverware or even a prized baseball card or stamp collection? Other collectibles? You know these items can be insured for loss against your homeowners [...]

One of the most common questions we receive is how can an insured prove what they owned in the event of a claim if the contents are destroyed or stolen. The short answer to that question is to take a video or DVD camera and film the interior of the home, condo or apartment. (Some [...]