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Scurich Insurance Services has been serving the Monterey Bay Area since 1924. Our mission is to partner with our customers and provide them superior service and value. We are a member of United Valley Insurance Services, Inc., a cluster of over 70 California Independent Insurance agencies, which produced over $530,000,000 of annual premium last year. At Scurich Insurance Services we understand your business and our community. Our customers look to us for comprehensive solutions. We have established relationships with more than 40 of the nation’s leading insurance providers, which allows us to deliver multiple, competitively-priced options and a team of experts to guide you through the process. When you need to file a claim, change a policy or process a certificate you can depend on Scurich Insurance Services to respond quickly to your request. SERVICES In order to provide value added benefits to our customers that go beyond the insurance policy Scurich Insurance Services offers the following additional services: Safety Programs – English and Spanish OSHA Compliance Safety Policies – English and Spanish Online OSHA 300 Log Safety Posters and Payroll Stuffers - English and Spanish Certificates of Insurance – If received before 3:30pm done the same day Risk Management Consulting Brokerage Services Represent most major insurance companies to better market your account. Safety tapes/DVD’s BUSINESS LINES Commercial Commercial Packages Business Auto Workers Compensation Umbrella Bonds Directors & Officers Professional Liability Employment Practices Liability Personal Auto Home Umbrella Recreational Vehicles Boatss Life & Health Individual Medical Individual Life Group Medical Group Benefits

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Posts tagged with floods - floods

Floods, Cars, And Auto Insurance

Author TonyScurich , 9/30/2016
1

Floods happen - and nearly half of all deaths related to them involve vehicles, says the Federal Emergency Management Agency.

The best advice for drivers during periods of heavy rain or flooding is to stay off the road. If that's not possible and you see signs of high water or stranded vehicles, pull over or take a different route ("Turn around, don't drown").

However, an unexpected flash flood can easily catch you unawares. If this happens, safety experts recommend taking these precautions to prevent an accident or a water-damaged car:

  • Never drive beneath an underpass during a heavy rainstorm because they're prone to flooding.
  • Be wary of water levels. According to FEMA it takes only one foot of water to float a car, or even an SUV, sweeping it off a bridge or down a road.
  • If your vehicle gets caught in a flood and stalls, or you lose control, get out before the car is carried downstream.
  • If you can't escape and your vehicle is going under, don't panic. Once the car is submerged, open the doors, hold your breath, and climb out.

The good news: If your car is involved in a flood-related accident, Auto insurance can make sure that you don't get swept away financially. Comprehensive coverage will pay for any type of damage to your car up to its actual cash value caused by natural events, such as flooding. If you hydroplane during a storm and flip your car or hit another vehicle or tree, Collision insurance will pay to repair it or cover the actual cash value of the car.

To learn more, please feel free to get in touch with our agency.

 

Flood Protection for Your Business

Author TonyScurich , 12/16/2014
Flooded BusinessSince 1984, Monterey County has participated in the National Flood Insurance Program (NFIP). This participation, as well as the continued compliance with federal regulations, allows county residents to purchase flood insurance. Even if your business is far from any form of water such as rivers or creeks, it could still be affected by the intricate system of drainage improvements and facilities that the county maintains in an effort to protect its residents and their properties. Federal Mandates If you wish to relocate your business to an area that lies within the 100 year floodplain as determined by Monterey County engineers, or build within that area, federal regulations mandate that you purchase flood insurance in order to take advantage of any federally backed financial assistance for doing so. Even if you are not planning to move your business and you are happily ensconced in your current location, purchasing flood insurance is a wise business decision. Weather Conditions Warranted Protection Businesses that are not located within the flood plain are still at risk for being damaged due to flooding. Weather occurrences such as El Nino, for example, can cause extreme amounts of water to be dumped in areas that are ill-equipped to deal with such an onslaught of weather. Weaken structural supports like building foundations, or even elements of the property itself such as hills, can allow water to breech the boundaries of your business and cause flooding. Industrial Accidents Pose a Concern Water main breaks are incidences that do not occur often but the results can be devastating if you have not prepared for the possibility prior to it occurring. Not only will you need to be concerned with paying for the costs of replacing your damaged inventory and property out of your own pocket, you might struggle with losing sales from your customers during this period of time. Flood insurance is a way to gain peace of mind that allows you to rest easier at night. Knowing that your business - and its assets - are protected in the event of an unexpected flood is a smart business move for the longevity of your company.    

My homeowners insurance covers that?

Author TonyScurich , 12/9/2013
Scurich Insurance Services, CA, Homeowners insuranceHomeowners insurance coverage can be tricky.  Some claims that one would think would be considered in the original homeowners insurance policy, are not (i.e. earthquakes, floods, etc.).   Here are a few of the possible scenarios that are covered: 1. The sky is falling! Chicken Little was onto something there.  If meteors or UFO’s fall from the sky and crash into your house, your homeowners policy will have “open perils” policies to protect you from anything that isn’t specifically excluded.  Falling objects are included in the policy.  So if Marvin the Martian crashes into your home, theoretically, you are covered. 2. The volcano is going to blow! We love the “open perils,” policies.  Should Dante’s Peak destroys your house, aside from tremors or earthquakes, your homeowners policy should theoretically, cover your loss.  Including if your house gets swallowed in a lava flow. If you live in Hawaii, chances are you will also have a state-run volcano insurance coverage that you will need to look into. 3. It’s a Stampede! We are being invaded by goats and cows!  The cows just ran through home but the goats came and ate our sofa, gnawed on our furniture and well, destroyed everything. Your homeowners insurance can over stampeding animals, as long as the animals do not belong to you.  The animals must be wild and not domesticated. 4. Your loved ones tombstones. Tombstones are a reminder of the loved ones we once lost.  However, there are pranksters that will deface and defile tombstones, especially around Halloween. Your loved ones tombstones are covered by your homeowners insurance. 5. The truly frightful Some homeowners policies will cover certain costs related to a murder, suicide or an unattended death in your home.  Not all homeowners policies have this option, best bet is to get a policy review and make any necessary adjustments. Give us a call today for a complete homeowners policy review. Content provided by Transformer Marketing.

 

My homeowners insurance covers that?

Author TonyScurich , 12/2/2013
Scurich Insurance Services, Watsonville, CA, Homeowners InsuranceHomeowners insurance coverage can be tricky.  Some claims that one would think would be considered in the original homeowners insurance policy, are not (i.e. earthquakes, floods, etc.).   Here are a few of the possible scenarios that are covered: 1. The sky is falling! Chicken Little was onto something there.  If meteors or UFO’s fall from the sky and crash into your house, your homeowners policy will have “open perils” policies to protect you from anything that isn’t specifically excluded.  Falling objects are included in the policy.  So if Marvin the Martian crashes into your home, theoretically, you are covered. 2. The volcano is going to blow! We love the “open perils,” policies.  Should Dante’s Peak destroys your house, aside from tremors or earthquakes, your homeowners policy should theoretically, cover your loss.  Including if your house gets swallowed in a lava flow. If you live in Hawaii, chances are you will also have a state-run volcano insurance coverage that you will need to look into. 3. It’s a Stampede! We are being invaded by goats and cows!  The cows just ran through home but the goats came and ate our sofa, gnawed on our furniture and well, destroyed everything. Your homeowners insurance can over stampeding animals, as long as the animals do not belong to you.  The animals must be wild and not domesticated. 4. Your loved ones tombstones. Tombstones are a reminder of the loved ones we once lost.  However, there are pranksters that will deface and defile tombstones, especially around Halloween. Your loved ones tombstones are covered by your homeowners insurance. 5. The truly frightful Some homeowners policies will cover certain costs related to a murder, suicide or an unattended death in your home.  Not all homeowners policies have this option, best bet is to get a policy review and make any necessary adjustments. Give us a call today for a complete homeowners policy review. Content provided by Transformer Marketing.