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What is a code or by-law upgrade?

A code or by-law upgrade is an upgrade that is made when your commercial property’s pre-loss condition no longer meets legal building codes. Your insurance company may recognize code upgrades in the estimation process. Any questions regarding code upgrades should be directed to your Insurance Adjuster.

What items do I keep in my possession?

The following items should be kept in your possession: Medications, Cash, Pets, Valuable Jewelry, Stamp/Coin Collections, Checkbooks, Personal Documents, Valuable Artworks, Flammables, Gasoline Cans, Weapons/Ammunition.

Common Causes of Basement Flooding

Since basements are built partially if not fully below ground, they’re prone to flooding. For that reason, a basement flood may occur not only during the rainy season and the spring thaw but at any time of year, even when the conditions are

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