The simple truth is that a flood can be devastating to a family. Not only can it ruin the contents of your home, a bad flood can lead to foundation problems. The cost can be astronomical. For that reason, you should consider getting flood insurance if you live in a flood zone or even just a place where damaging storms roll through the area. Your homeowners’ insurance will not cover damage due to flooding. You will need to purchase additional insurance in order to be protected. 

If you get flood insurance, you may be wondering what it covers. Here are some things that flood insurance covers. 

It covers any damage that occurs due to partial or complete flooding over normally dry land. 

It will also cover damage due to mudslides due to flooding. 

There are two policies when it comes to flood insurance. One covers your home, while the other type covers your personal property that is inside your home. 

Your flood insurance should cover any mold that may occur. If you do everything that you can to prevent mold after flooding, and it still happens, your flood insurance will cover the damage. 

One good thing about flood insurance is that you don’t have to wait for a disaster to be federally declared in order to get your claims paid. If you are dealing with flood damage, you can submit your claim. It is also important to know that you won’t have to pay back your claims. Unlike federal aid, you won’t have to repay the money that you get from your claim.   

If you are unsure about whether you need flood insurance, you should contact us at Neff & Associates Insurance Services Inc in Pismo Beach, CA. 

Pismo Beach, CA residents can count on Neff & Associates Insurance Services Inc for all of their insurance needs. If you are looking at purchasing a condo, don’t forget to find the right condo policy too! Our team is here to answer any questions that you may have.

The importance of condo insurance

When it comes to protecting your home, the same rules apply whether you are living in a home or a condo. There are some unique factors that you may have to consider for either option, but having the right policy in place is always a great idea, no matter what type of home you choose.

A comprehensive condo policy can provide the coverage that you need. It is important to have the right policy in place because your condo board’s insurance policy will not cover your unit. Any damage or loss that occurs within your until will be your sole responsibility. 

While a condo board may have a policy that protects the overall structure and building and damage that occurs in the common areas, that will not cover all of your needs. Make sure that you review all of your needs and then choose the policy that is right for you.

Condo insurance covers all of the basics, including theft, liability, and other similar situations. A basic policy may meet some of your needs, but it is worth the time to take a careful look at all of your available options. 

Learn more about condo insurance today!

If you are a condo owner in the greater Pismo Beach, CA area, give Neff & Associates Insurance Services Inc a call to learn more. There are a number of fantastic condo insurance policy options available in our area. Call or stop by today!

Every business in Pismo Beach, CA that plans on remaining competitive in any industry needs to have umbrella insurance. The policy offers extra protection from liabilities that could threaten the stability of your business. The policy extends over other policies such as general liability, professional liability, commercial auto insurance, etc. If you’re wondering whether you need to buy umbrella insurance for your business, Neff & Associates Insurance Services Inc will answer all the questions you might have.

Commercial property

While any business can benefit from umbrella insurance, businesses that run on commercial properties can benefit more from umbrella insurance. Commercial property means inviting other people into the business property. If someone gets injured on this property, you risk getting sued for medical expenses, lost income, and pain and suffering by the victim. Your general liability might not be adequate to cover all the medical expenses, and that’s where commercial umbrella insurance comes in.

Employees

If you or your employees work on people’s property, such as renovating homes or businesses, your business is at risk of getting sued for accidental property damage or injuries. Without adequate liability coverage, you might be forced to pay the funds out of pocket.

Government contracts

If you’re a contractor in Pismo Beach, CA, you might miss out on some government contracts if you do not have umbrella insurance. This policy helps provide assurance to your clients that you will be responsible for any damages or injuries that might result from your business operations.

Risky business

 You need umbrella insurance more if you run a risky business. Almost all businesses carry a form of risk unless it is a home-based sole proprietorship without direct contact with clients, employees, or subcontractors.  Even if this is your case, you can still be sued by your clients, and professional liability or general liability may not always be adequate to cover the legal fees.

To learn more about commercial umbrella insurance, contact Neff & Associates Insurance Services Inc, and we will be happy to answer any questions you might have.

Although Pismo Beach, CA is usually warm, it gets cold enough in the winter that riding a motorcycle can be too chilly for some. If you’re not going to be riding, Neff & Associates Insurance Services Inc recommends winterizing your motorcycle with these steps.

Change out Your Oil

Older oil collects contaminants that corrode the interior of a vehicle. Frequent oil changes should be a part of any vehicle’s maintenance, but doing it as part of winterizing keeps your motorcycle from sitting in as many corrosives.

Fill the Gas Tank

Many of the active elements of gas will evaporate in just a month or two. This leaves behind gas that doesn’t do its job and a residue that clogs the interior. Filling up the tank and adding a fuel stabilizer prevents that from happening, plus you don’t have to stop by the gas station in the spring.

Remove and Charge the Battery

Even though it’s extra work, charging your battery over the winter will improve its performance and lifespan.

Give Your Bike a Thorough Cleaning

Before you stick your motorcycle in the garage, treat it to a wash. Dirt and other inconspicuous residues can damage paint, tarnish chrome, and cause rusting. Once you’ve got the motorcycle clean and in its resting location, cover it up to preserve your work.

Check Your Insurance

When you don’t plan on driving your motorcycle, you don’t need the same level of insurance. Check with your insurance to make sure you have a reduced rate and to see if they have a lay-up policy that covers hazards like fire and theft without temporarily unneeded road coverage. Neff & Associates Insurance Services Inc in Pismo Beach, CA is happy to help our customers with any questions about their policy or help new customers find one that works for them.

When you live in California, flooding can be on your mind. Flood insurance is a good way to ease some of that pain.  You can also take some measures to floodproof your home so that you won’t have to make a claim.

At Neff & Associates Insurance Services Inc., we want Pismo Beach, CA residents to manage their homes so that when floods arrive, the crisis isn’t as big as it looks.

Use these tips to floodproof your home.

Elevate Your Boiler

When you have boilers and air-conditioning units in lower levels of your home, invest in ways to elevate them. These are areas that flood damage will find first. Build a platform or bring the elements higher so that risk is minimal with flood damage. 

Install a Sewage Water Backup System

A sewage water backup system will prevent a major and costly disaster. This will prevent any sewage damage from entering your basement. When a basement floor backs up, this device could save you. This will often get you some reductions on your home insurance premium as well.

Exterior Changes

You can add swales and depressions to runoff areas outside your home in order to prevent floods and backup. A contractor that is experienced in exterior flood protection can help you, and this investment will be worth the cost. This is an investment that only needs to be made once, with maintenance every year, and it will pay for itself in time.

Get a Quote

When you have a home in California, flood risks are on your mind. Flood insurance can help you in this crisis when home maintenance tips can not. At Neff & Associates Insurance Services Inc., we want Pismo Beach, CA residents to have the coverage they need in order to feel more secure in these crises. 

If you live in a condo, there is always the chance that you could experience water damage at no fault of your own. When your home is connected to other homes, this is simply a fact of life. You can plan for these potentialities by getting the appropriate condo insurance.

Neff & Associates Insurance Services Inc. serves the area of Pismo Beach, CA by providing a variety of insurance options. If you are concerned about water damage, here’s what you need to know.

Condo Insurance Helps Owners

When you own a condo, you need to know that your property has the most protection possible. This includes protection against water damage. While coverage may help you with a variety of damage types, it is important to know that most condo insurance policies do not include flood damage.

Burst Pipes

If a pipe bursts in your condo, your policy can provide financial protection for the items destroyed in the process. Your policy may also help you with the repair and replacement costs for the damage itself so that you can prevent this problem from happening again in the future.

Water Flowing From Common Areas

Living in a condo means dealing with common areas that may experience damage of their own. While the building owner may cover the damage to common areas, water could seep into your condo. Fortunately, insurance may cover this damage.

No Two Policies Are Exactly the Same

Keep in mind that all policies are different. Make sure to read the condo insurance documents you received to ensure you have adequate protection for your home.

Get Condo Insurance Today

Neff & Associates Insurance Services Inc., which helps residents of Pismo Beach, CA, can help you get the insurance you need. Contact an insurance agent to learn more about your condo insurance options.

Owning a business in Pismo Beach, CA, is exciting and rewarding, but it comes with a fair of liabilities. While you can observe due diligence to mitigate third-party claims, you need business liability insurance to cushion your business when liability claims come calling. 

Unfortunately, since liability insurance isn’t mandatory in California, many business owners may push it on the wayside. However, this could turn catastrophic when the unthinkable happens. In light of this, be wise and purchase liability insurance from Neff & Associates Insurance Services Inc. for the below reasons.

A single event can wind down your business

Do you know it only takes one single event to put your business in jeopardy? Whether it’s an omission in a contract, employee injury, or a customer slipping while on your premises, it takes one event to compromise the sustainability of your business. However, with the appropriate liability insurance, you can protect your business against claims that come your way.

Life is unpredictable

You can put all the safety measures to protect your customers and employees, but mishaps can still happen. However, you can have peace of mind with liability insurance, knowing that you are protected against unpredictable events.

Lawsuits are common

Since we live in a litigious society, you need liability insurance to protect your business when legal suits come raining. One legal claim can be significant enough to ruin your business finances. As such, you need liability insurance to protect your business against lawsuits when you are accused of property damage, advertising, or bodily injury.

For peace of mind

Why worry when liability insurance can take care of your stress? Take comfort in liability insurance instead of living on the edge, wondering what kind of liability will strike your business.

Buy business insurance today!

Are you looking for an affordable business insurance policy in Pismo Beach, CA? Why don’t you contact Neff & Associates Insurance Services Inc. for a competitive quote?