3x TIMES the MONEY that CALFEE raises will go to 'ONE FUND' So here's the scoop- The Arthur D. Calfee Insurance Agency, Inc. is proud to join the business community to support those most affected by the tragic events at the Boston Marathon. The Arthur D. Calfee Insurance Agency, with offices located in the Homeport Office Complex at 336 Gifford Street in Falmouth and across the street of the North Falmouth Ball Field at 121 County Road will be raising money for the Boston Strong - 'One Fund.' From now, April 29th to June 1st, 2013, the Arthur D. Calfee Insurance Agency will be raising 'One Fund' to turn in to 'One' large supporter who has agreed to match 3x TIMES the amount raised by Calfee Insurance, meaning they will match donations on a $3 to $1 basis up to $1,000 in total from the supporter. Massachusetts Governor Deval Patrick and Boston Mayor Tom Menino have announced the formation of 'The One Fund Boston, Inc.' to help the people most affected by the tragic events that occurred in Boston on April 15, 2013. AP | By LINDSEY TANNER Cost of amputating a leg? At least $20,000. Cost of an artificial leg? More than $50,000 for the most high-tech models. Cost of an amputee's rehab? Often tens of thousands of dollars more. These are just a fraction of the medical expenses victims of the Boston Marathon bombing will face. The mammoth price tag is probably not what patients are focusing on as they begin the long healing process. But friends and strangers are already setting up fundraisers and online crowd-funding sites, and a huge Boston city fund has already collected more than $23 million in individual and corporate donations. No one knows yet if those donations – plus health insurance, hospital charity funds and other sources – will be enough to cover the bills. Few will even hazard a guess as to what the total medical bill will be for a tragedy that killed three people and wounded more than 260. At least 15 people lost limbs, and other wounds include head injuries and tissue torn apart by shrapnel. Please visit www.CalfeeInsurance.com for more details.
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The risk of catastrophic loss during hurricane season requires an innovative approach to property coverage—and a rapid response when losses occur. For over 40 years, Lexington Insurance Company has helped our brokers and clients prepare for, protect against, and recover from catastrophic losses. We are the leading U.S.-based surplus lines insurer, and a property and casualty market leader. Make sure you’re a step ahead of risk this hurricane season. Watch LexTV for the latest on hurricane risk and coverage solutions. Hurricane 2012 Update Dr. Phil Klotzbach updates his 2012 seasonal hurricane forecast and shares his outlook for the remainder of the season. This episode also introduces Lexington's new Hurricane Infographic which will help streamline the understanding of a hurricane event. All interests from Louisiana to Mississippi, Alabama and the Florida Panhandle should rush preparations to completion. If peak storm surge occurs at high tide, peak water levels above ground could reach the following depths as Isaac moves by: - Southeast Louisiana, Miss., Ala. coasts: 6-12 feet - South-central Louisiana: 3-6 feet - Florida Panhandle: 3-6 feet - Florida west coast from Apalachicola to south of Naples: 1-3 feet Even as Isaac's center of circulation moves by, locally heavy rainbands can be expected. Another 1-3" of rain is possible in central and south Florida with locally higher amounts. Isolated storm total rainfalls of 15" are possible in central and South Florida. Rainfall amounts over 10" are likely as Isaac slows down immediately prior to, and after landfall, in southeast Louisiana, southern Alabama, Mississippi and the western Florida Panhandle. Isolated 20" amounts are possible. Hurricane threat index, current information, satellite imagery, watches/warnings and computer model track graphics are below. (TRACK ISAAC: Interactive hurricane tracker) View more expert analysis from Senior Meteorologist Stu Ostro at our Tropical Update article. You can find a detailed look at the Gulf Coast storm surge, wind and flooding threats by clicking on this link and you can ensure you know which friends may be in harms way through our My Friends Weather tool. (MORE: Live updates and analysis on Isaac) Policy Holders
Find The Answers You Need For Customer Service questions, please call: 800-295-8016 For payment information for all other policies including flood: click here. To make a one-time electronic payment or enroll in recurring electronic payment processing for your Homeowners or Dwelling Fire policy: click here. Before you begin, please be sure to have your policy invoice available. How UPC Insurance Can Help As your ONE source of protection that bridges the gap between success and security, UPC Insurance offers a selection of customizable products designed to protect both your property and your assets. The list below is merely an outline of our basic products, but with the assistance of your trained neighborhood independent agent for UPC Insurance, you will find the right product and the right options to meet your unique protection needs. • Homeowner Coverage
Responsive, Stable and Innovative In good times and bad, you can count on UPC's network of professional agents to deliver excellent service and stay in touch with your needs by recommending the right protection for you and your family. Before a Flood What would you do if your property were flooded? Are you prepared? Even if you feel you live in a community with a low risk of flooding, remember that anywhere it rains, it can flood. Just because you haven't experienced a flood in the past, doesn't mean you won't in the future. Flood risk isn't just based on history; it's also based on a number of factors including rainfall , topography, flood-control measures, river-flow and tidal-surge data, and changes due to new construction and development. Flood-hazard maps have been created to show the flood risk for your community, which helps determine the type offlood insurance coverage you will need since standard homeowners insurance doesn't cover flooding. The lower the degree of risk, the lower the flood insurance premium. In addition to having flood insurance, knowing following flood hazard terms will help you recognize and prepare for a flood. To prepare for a flood, you should:
TYPE OF FLOOD MAP CHANGES WHAT YOU SHOULD KNOW WHAT YOU SHOULD SAY Low- or moderate-risk zone (B, C, X) changing to a high-risk zone (e.g. AE, VE) or Change in Base Flood Elevation Grandfathering Offers Savings· The National Flood Insurance Program (NFIP) has “grandfather” rules to recognize policyholders who have either built in compliance with the flood map or who maintain continuous coverage. These rules allow such policyholders to benefit in the rating for that building. · Grandfathering is available for new purchasers as well as existing customers. · Always use the new map if it will provide a more favorable premium (lower rate). · Your building has been designated in a high-risk area for flooding. · You will be required to purchase a flood policy if you carry a mortgage from a federally regulated lender. · If you don’t carry a mortgage, you should protect your home with flood insurance. National statistics show that you are 3 times more likely to have damage by a flood than by fire. · Purchasing before the map revision allows you to save on insurance. Loyal Customers Can Keep Existing Zone (Pre- & Post- FIRM) · Customers, who buy a policy before maps are adopted and maintain coverage, can retain the lower-risk zone rate. · Eligible customers can purchase a PRP now. It will renew to an X zone rated standard policy. · Have a policy: maintain continuous coverage. · A policy can be assigned to future property owner. · Buy now to save later. · Renew to stay protected and save money. Show Compliance With a Previous FIRM for Lower Costs (Post- FIRM only) · To keep existing zones when the structure was built: Get a copy of FIRM effective at time of construction or a compliance letter from community official. · To keep existing BFE when the structure was built: Get Elev. Cert, and copy of FIRM effective at time of construction; or compliance letter from the community official. · Lower cost options: show building was built in compliance at time of construction. · Makes you eligible for a lower rate, keeps costs DOWN. High-risk zone (e.g. AE, VE) changing to a low- or moderate-risk zone (X, shaded X) Conversion Offers Savings · Write a Preferred Risk Policy (PRP). · Use existing policy’s current effective date, and use closest coverage limit or next highest options if no exact match. · Submit PRP application, and insured signed conversion form. · Your risk is reduced, not removed! · Eligible for low-cost, Preferred Risk Policy · Stay protected and get money back once maps are adopted. · No gaps in coverage; no additional money up front. · 20-25% of all flood claims occur in low- or moderate-risk areas. No Change Review of Current Coverage Ensures Protection· Do they have flood insurance? · If so, is the building limit up-to-date? · Contents coverage provided and limit up-to-date? · Homeowners insurance doesn’t cover damage due to floods. · Floods happen anytime, anywhere. · Your home is a major investment—protect it. |
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