Insuring against a rainy day
Upstate New York has had plenty of weather events in recent weeks. There was Hurricane Irene, which battered the East Coast before remnants of it flooded parts of Pennsylvania, New York and New England. There was Tropical Storm Lee, which followed a different route but still managed to bring high winds and floods to parts of New York. In addition to the weather, there was the Aug. 23 earthquake in Virginia. That was a 5.8-magnitude quake, one of the most powerful measured on this side of the country. Workers on the 14th floor of AXA Tower 1 in Syracuse felt it (one thought she was having an attack of vertigo). The Onondaga County water treatment plant on Hiawatha Boulevard was evacuated because of the shaking. Dodge and Melchionni said now is a good time for homeowners and business owners to review their policies with their insurance agents.Call your agent, suggested Thomas V. Dadey Jr., whose independent insurance agency in Jamesville offers policies from different insurers. He said a sit-down review might take 30 minutes to an hour. By the end of that time, you should know clearly what coverage you have and what it would cost to add coverage.
“One coverage that you should ask your agent if you have is water backup of sewer and drains,” said Michael J. Crowley, sales manager at the Crowley Insurance Agency, in East Syracuse.
“This covers exactly what it says: If your drains or sump pump backs up into your house or basement for whatever reason, they will pay for ‘X’ amount to clean up and replace damaged property,” he said. “This type of claim happens frequently, especially in our ever-changing weather. This is an additional coverage that you need to add to your property policy and is not automatically covered.
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He suggested bringing your current homeowner's insurance policy and your driver's license. The latter, he said, would let the agent get you an auto insurance quote because getting both insurance policies from the same company can bring a discount worth

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When it comes to getting automobile insurance, there are many different things to consider. One of the most important would be choosing the right company to work with. After all, there are many different agencies out there that are offering enticing deals. However, be wary because there are some who are only offering enticing words but cannot actually deliver when it comes to the insurance itself. How to find the best Pennsylvania auto insurance company ? Well, it isn’t as easy as it seems. So where does one begin? Below are a few tips to help you get started.
Get a recommendation. This is one of the best types of information that you can get. If you have any family members or friends who have gotten insurance for their vehicles then it is only fitting that you ask them for a recommendation. After all, first hand information is always the best. Plus, this would provide you with something to work with once you move on to actually researching potential insurance companies.
Research. Now that you have a few lists of companies to look up, find out more about them by doing some research online. This should be easy enough to do as there are numerous resources available online where you would be able to learn more about a particular company including their services, their rates and what their current and former clients think about them. There would be reviews and testimonials of course but do not let this cloud your judgment. Instead, make use of them as informational materials.
What makes a good insurance company? Well, their reputation is an important consideration. They have to be a respectable institution that has provided their clients with the best possible services as well as options when it comes to coverage selection as well as incentives that help in promoting better and more responsible driving. There are actually companies out there that provide discounts to student drivers who get good grades. What better way to promote being better in school, right?
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