Bell Ingram, P.S., Cascadia Agency, and Harbour Pointe Retirement have come together to create a blog, which can be found at: www.everettseniorresources.com. The community site focusses on on senior, retirement, and estate planning issues in South Snohomish County and the greater Everett metro area
Recent articles on the site include:
How to simplify a will by creating a Tangible Personal Property List
Using an Annuity to help fund a stay in an Assisted Living Facility
How to make the adjustment to life in an retirement home easier
Do you have a question about retirement, estate planning, or end of life issues that you would like answers. Click here to submit your question to a local area expert.
Tuesday, April 28, 2009
Monday, April 28, 2008
Mukilteo Auto Insurance, Mukilteo Car Insurance
Great rates on auto and car insurance from a local agency! 877-220-5535
- Guidance in selecting the right auto insurance coverage. We explain each policy and options in clear, easy-to-understand language.
- Competitive rates and extensive insurance knowledge means Mukilteo residents always get the right coverage at a great price.
- A local, dependable advocate who cares about your interest before, during, and after a claim. Hear a familiar voice every time you call.
- Maximize your time. Cascadia Agency quickly analyzes your situation and suggests options that protect your auto, home, family, and more.
Friday, April 25, 2008
Edmonds Home Insurance, Edmonds Homeowners Insurance
Great rates on home insurance from a local agency!- Guidance in selecting the right homeowners insurance coverage. We explain each policy and options in clear, easy-to-understand language.
- Competitive rates and extensive insurance knowledge means Edmonds residents always get the right coverage at a great price.
- A local, dependable advocate who cares about your interest before, during, and after a claim. Hear a familiar voice every time you call.
- Maximize your time. Cascadia Agency quickly analyzes your situation and suggests options that protect your auto, home, family, and more.
Thursday, March 27, 2008
New Website
We have a new website and blog which will be a great insurance resource for anyone in Edmonds, Mukilteo, Whidbey Island or anywhere in South Snohomish County.
Our new website can be found at: http://www.cascadiaagency.com/
Look forward to more in-depth analysis of insurance issues, a site map for easy navigation, and more frequents posts. We will no longer be posting here, so update any links to the new site.
Our new web page also has detailed information on Seattle Life Insurance
Our new website can be found at: http://www.cascadiaagency.com/
Look forward to more in-depth analysis of insurance issues, a site map for easy navigation, and more frequents posts. We will no longer be posting here, so update any links to the new site.
Our new web page also has detailed information on Seattle Life Insurance
Thursday, January 10, 2008
Post and Pier Homeowner's Insurance
Homeowner’s from Tacoma to Seattle to Everett often struggle to find homeowner’s insurance for homes with Post & Pier foundations. Post & Pier foundations are common in many older homes and give buyers who find the perfect house a headache when try to find insurance. When buyers are able to find insurance for dwellings with post and pier foundations they often find that homeowner’s coverage is more expensive than a home with a standard foundation and the protection for liability and personal property is not the same as it would be on a standard policy.
Cascadia Agency in Mukilteo now has access to a standard homeowner’s policy that does not exclude post and pier foundations. There are limitations, exposed posts or pilings are not acceptable (all piers must be fully skirted) and other underwriting guidelines apply. For full details contact the Cascadia Agency at 425-353-1499 or check out our new website at:
http://www.postandpierinsurance.com/
Cascadia Agency in Mukilteo now has access to a standard homeowner’s policy that does not exclude post and pier foundations. There are limitations, exposed posts or pilings are not acceptable (all piers must be fully skirted) and other underwriting guidelines apply. For full details contact the Cascadia Agency at 425-353-1499 or check out our new website at:
http://www.postandpierinsurance.com/
Wednesday, December 5, 2007
My basement flooded during recent December storm, will my insurance cover the damages?
Many of our customers sustained water damage to homes, condos, and apartments from heavy rains that drenched the greater Seattle area December 2nd and 3rd. Unfotunately, most standard home and business insurance policies don’t cover storm related flood and water losses. Further, most insurance policies do not cover any type of water damage caused by surface water flooding, seepage, leakage, or storm, sewer, or sump pump back-up. Water damage is usually covered on a homeowner’s policy is when a pipe suddenly and accidentally bursts, while most other types of water damage are not covered.
Our agency offers flood insurance in Washington State protection through the National Flood Insurance Program, however the flood policy excludes most damage to basements. Flood insurance only covers flood damage; it does not cover leakage or seepage in basements where there was no surface water. Some losses that are not covered by insurance may be filed with a local government entity if water damage caused due to the back up of a city maintained storm water or sewer system.
To submit a claim contact the city or government entity that is responsible for the water back-up:
King County - 800-523-5044
http://www.metrokc.gov/prepare/
Snohomish County - (425) 388-5060 www1.co.snohomish.wa.us/Departments/Emergency_Management
City of Everett - 425-257-8800
http://www.everettwa.org/default.aspx?ID=62
City of Mukilteo - 425.355.4141, Ext. 225
http://ci.mukilteo.wa.us/SectionIndex.asp?SectionID=10
City of Seattle - (206) 684-8213
http://www.seattle.gov/riskmanagement/
If you need guidance on how to begin to repair damages here are few helpful links:
Pumping out a flooded basement
http://www.metrokc.gov/health/disaster/basementflood.htm
Mold Prevention
http://www.epa.gov/mold/table1.html
Dealing with flood damage (news story w/ links)
http://www.komotv.com/news/consumer/12102331.html
To clients of the Cascadia Agency – if you have incurred water damage from the recent storm please call our agency at 425-353-1499 for advice on how to process the claim.
If you are thinking about buying flood insurance there is one important statistic to remember; almost 25% of all flood insurance claims came from areas no one considered high risk. A single inch of water, which you may not think of as a flood, can cause costly damage to your home or business. It is important to remember that there is a 30 day waiting period in order to receive flood coverage.
Our agency philosophy is to meet each household once a year to ensure coverage stays current with the needs of each client and reviews your exposure to uncovered risks. We want to make sure our clients understand each policy and review limits and discover potential gaps before a loss occurs.
Our agency offers flood insurance in Washington State protection through the National Flood Insurance Program, however the flood policy excludes most damage to basements. Flood insurance only covers flood damage; it does not cover leakage or seepage in basements where there was no surface water. Some losses that are not covered by insurance may be filed with a local government entity if water damage caused due to the back up of a city maintained storm water or sewer system.
To submit a claim contact the city or government entity that is responsible for the water back-up:
King County - 800-523-5044
http://www.metrokc.gov/prepare/
Snohomish County - (425) 388-5060 www1.co.snohomish.wa.us/Departments/Emergency_Management
City of Everett - 425-257-8800
http://www.everettwa.org/default.aspx?ID=62
City of Mukilteo - 425.355.4141, Ext. 225
http://ci.mukilteo.wa.us/SectionIndex.asp?SectionID=10
City of Seattle - (206) 684-8213
http://www.seattle.gov/riskmanagement/
If you need guidance on how to begin to repair damages here are few helpful links:
Pumping out a flooded basement
http://www.metrokc.gov/health/disaster/basementflood.htm
Mold Prevention
http://www.epa.gov/mold/table1.html
Dealing with flood damage (news story w/ links)
http://www.komotv.com/news/consumer/12102331.html
To clients of the Cascadia Agency – if you have incurred water damage from the recent storm please call our agency at 425-353-1499 for advice on how to process the claim.
If you are thinking about buying flood insurance there is one important statistic to remember; almost 25% of all flood insurance claims came from areas no one considered high risk. A single inch of water, which you may not think of as a flood, can cause costly damage to your home or business. It is important to remember that there is a 30 day waiting period in order to receive flood coverage.
Our agency philosophy is to meet each household once a year to ensure coverage stays current with the needs of each client and reviews your exposure to uncovered risks. We want to make sure our clients understand each policy and review limits and discover potential gaps before a loss occurs.
Tuesday, September 18, 2007
Will the damage to my house be covered by insurance?
In order for any insurance loss to be covered the occurrence must have been a sudden and accidental event. In general the damage caused as a result of a water pipe bursting would be covered on a homeowner’s claim (sudden and accidental), but dry rot caused by a slow leak in a pipe would not be covered (maintenance issue). If the incident is sudden and accidental, even unintentional damage caused by the owner, such as cutting down a tree onto your garage, or dropping a hammer and cracking a bathtub may be covered.
Most homeowner’s policies provide broad coverage, but many perils are also often excluded including; water damage from flood, earthquake, settling, cracking, bulging, vapor or chemical contamination, corrosion, mold, rot, and insect damage. Many people mistakenly believe that any damage to their home will be covered by insurance. Protect the investment in your home by understanding your insurance policy and preventing avoidable losses.
Each time you report a claim to your insurance companies’ call center the information is recorded. Most insurance companies share loss information, so multiple claims in a few years could drive up your future premiums with any company. If you are unsure whether or not if a loss will be covered talk to your agent. Your agent is a professional who knows the ins and outs of your policy and has a vested interest in helping you make the best long-term decision.
Most homeowner’s policies provide broad coverage, but many perils are also often excluded including; water damage from flood, earthquake, settling, cracking, bulging, vapor or chemical contamination, corrosion, mold, rot, and insect damage. Many people mistakenly believe that any damage to their home will be covered by insurance. Protect the investment in your home by understanding your insurance policy and preventing avoidable losses.
Each time you report a claim to your insurance companies’ call center the information is recorded. Most insurance companies share loss information, so multiple claims in a few years could drive up your future premiums with any company. If you are unsure whether or not if a loss will be covered talk to your agent. Your agent is a professional who knows the ins and outs of your policy and has a vested interest in helping you make the best long-term decision.
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