Call: 203-637-6655  or email – Kyle Shepard

Water Flowing Down Steps
Protecting Assets February 8, 2022

Water Damage

Water Damage Elsa, Henri and Ida providing coverage intel and change Living through 3 massive rainstorms within a 60 day period last summer, one of which was referred to as a 500 year storm, provided an education as we move forward with climate change. "flood is one of the written exclusions on all home policies" [...] Read More
Snow Covered Lodge on a Mountain
Protecting Assets December 1, 2021

Winter Travel Tips

Whether it's to visit family during the holiday season, planning a ski trip, or just trying to escape the cold, there are plenty of reasons why you may travel this winter. A bit of preparation can ensure that you do not come home to a mess. "A leak device can provide up to an 8% [...] Read More
Table Set for a Thanksgiving Meal
Uncategorized November 22, 2021

Thanksgiving Safety Tips

Thanksgiving is a time for family, giving thanks, and of course, who doesn’t love the food? While the holidays may mean a day off of work for some, phone lines for insurance companies tend to ring more around this time of year. But why? "While the holidays may mean a day off work for some, [...] Read More
Chimney on Fire
Home Insurance November 9, 2021

7 Semi-Annual Homeowner Maintenance Tips

Considering all of the natural disaster damage, and the inflation of building materials, it is clear to see why home insurance premiums are rising. Additionally, it should be clear that any submitted claims you filed against your personal home policy also remain an important driver of cost. "Regularly scheduled maintenance for your home can help [...] Read More
Modern Home with a Flooded Yard
Comprehensive Coverage November 2, 2021

Ida Relief- Needed Help from Federal Emergency Management

If you are one of the people affected by Hurricane Ida in Connecticut, then you may be in luck. Governor Ned Lamont’s Major Disaster Declaration for Connecticut was approved by President Biden on October 30, 2021 which will give relief to those affected by the storm’s damage. "While FEMA will not cover anything already covered [...] Read More
U.S. Department of Homeland Security FEMA Logo
Home Insurance / Protecting Assets October 12, 2021

FEMA- Federal Emergency Management Association Risk Rating 2.0

What Does This Graph Say? In the graph below, the details show that there were 9 years between 2004 and 2019 that the National Flood Insurance Plan (NFIP), organized by FEMA, has either broken even, or done better, when looking at flood premiums versus flood claims. However, those 3 spike years of significant flooding has more than bankrupted the program. And now, fast forwarding to 2021 with massive flooding in Texas, Louisiana, and then the Northeast, those claims [...] Read More