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 [...]

With winter approaching it is time to get prepared for the damage that snow and ice can do to your home. More than once over the years I have gone outside to clear the snow from the edge of my roof in order to prevent ice dams from building. An ice dam is a build [...]

This is a great question that we answer frequently in the Northeast — especially in the rainy fall season and during the springtime. Anyone who knows me, knows that I like straight insurance answers. Unfortunately, this one depends on the cause of the damage. 
In general, water damage is covered when caused by the accidental and sudden discharge of water (e.g. [...]