Category Archives: Flood Insurance

Water Is Not Always Your Friend

What’s the difference between a flood and a sewer backup? With the forecast calling for more rain and snow into next week, it’s important to understand the differences between the two so you are protected in the event either one happens to you. A flood involves rising waters, such as those caused by rain, melting…
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Which Insurance Policies Get Triggered In The Event Of A Flood?

During a recent rain storm in New York, some portions of Suffolk County received up to 13 inches in a very short time when a weather system stalled. The results: road closures, sink holes, flooded businesses, basements and cars. How can insurance policies be expected to respond to such damages? AUTOMOBILE INSURANCE: Comprehensively, a physical…
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You Do Not Need To Live Near Water To Need Flood Insurance

With our history of floods in this country you would be shocked at the number of people who just don’t think that they need to purchase flood insurance. Some of the reasons they give are: • I live in a low risk flood zone; • We have never had a flood in my neighborhood; •…
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What You Need To Know About Flood Insurance

While watching television this weekend, I saw many advertisements for the movie “Noah” opening March 28, at my local theater. The essence of the film is that Russell Crowe is charged with the task of building the ark to save the salvageable from destruction. We could have used Mr. Crowe as well as the ark…
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Is My Personal Property Covered Under My Flood Insurance?

Dear Sherri, My husband has a “Man-Cave” in our basement. If our basement should flood, are his toys covered by our flood policy? - Signed Husbandless in NYC Dear Husbandless in NYC, Unfortunately, no. Most flood policies have very limited coverage for personal contents in a basement. They only cover items meant for a basement,…
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Does my flood policy cover my personal property in the basement?

First, congratulations for making the wise decision to have a flood policy. Second, most flood policies have only limited contents coverage in the basement. Flood policies usually only cover items meant for a basement. Now-a-days we have everything from game rooms to home theaters to wine cellars that would be the envy of the Queen…
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Spence-Chapin has had the pleasure of working with the wonderful John Petschauer, Inc. for 15+ years. They have always provided excellent service to us–with great knowledge, expertise, and patience — even in the most challenging situations. There has not been one time when they have not been immediately accessible to us, even at a moment’s notice. We thank them for their work and celebrate their 60th anniversary, while looking forward to working with them for another 60 years and beyond!
Spence-Chapin
I have had the pleasure of working with various members of the Petschauer Team, both personally and professionally for 20+ years. And I couldn’t have done it without them. They go above and beyond. Heidi, Narima, Sherri and LuAnn don’t just bring to us the products they offer, they help me to understand the specifics and evaluate what makes the most sense for me, my family and my employees. I always feel I have a better understanding of an industry I have no understanding of so that I can evaluate the offerings in a smart way, cost effective way. They are proactive with renewals, allowing us the time to do our due diligence, evaluate our plans to be sure we’re properly covered and are always there to listen and help with special circumstances. Their kindness, caring and willingness to lend an ear when needed, really makes them stand apart from the rest. Heidi and her family have built a beautiful culture at Petschauer and I highly recommend them to anyone I meet.
Jamie Stedman-Novo
I have been with Petschauer Insurance for over twenty five years. The staff is knowledgeable and professional. Petschauer writes both my personal and commercial insurance and they provide excellent counseling. I truly trust the firm and their staff. Thank you.
Mike Matonti
My company has called on Petschauer Insurance for many years for its insurance needs: liability, liquor, auto, etc. Working with Erwin and his team has been a pleasure from beginning to present. They are quick to answer any question and provide sound advice. I have always felt that my and our needs are important to them, in theory and practice. They go the extra mile, and we continue to be well served.
Stephen Kennard from Canard Inc.
Excellence in customer service and it’s a one stop shop for all my insurance needs.
Tom Haines
I have been with Petschauer Insurance for a long time. My account executive Lori Halloran is like family to me: she is always there when I need her and is very knowledgeable and understanding. I wouldn’t go anywhere else for my insurance needs.
Vincent Falcone
From the first time I spoke with Lori Halloran at Petschauer Insurance, I knew she was a special person. She is a woman that conducts herself professionally, with compassion and full knowledge of all types of insurance Petschauer has to offer. While speaking with her, as she explained and answered all of my questions, I felt like I was speaking with family…which is another way to describe this company. She has a way of making very confusing decisions so simple and easy to understand. I even added another insurance policy to my two renewal policies because of her. My last renewals could have been processed via mail but I really wanted to take the time to drive and meet this wonderful woman face to face. She greeted me with this huge beautiful smile, which matched her personality perfectly. So, I just had to go back another time just to say “Hi” and bring her flowers in appreciation for all her help and also celebrate a new friendship. The Petschauer “Family” has been there for me since my first policy when I was 19 years old, and now I’m a “senior”. I’ve been with them forever and don’t plan on going anywhere else. Thank you Lori for your dedication and to the rest of the Petschauer staff.
Jane Deitlein
Petschauer is great. I never had a problem.  They always call me back. Fabulous employees who are always willing to help.
Marty Bruno
Quality attentive service is hard to find, but at Petschauer Insurance that’s what you can expect from their always friendly staff . It’s what we’ve experienced for all these many years.
John from Forest Pork Store Inc.
I have worked with various individuals at Petschauer and have found each to be responsive, courteous, and thoughtful. Each year, the contact for my auto policy proactively seeks new bids and has consistently saved me money on my policy.
Ryan Huber