Coastal policies often carry a separate deductible that triggers on a named storm.
How water reaches the house decides which policy answers for it.
One office, straight answers.
What we write
What we check on a Maryland house
- Whether a named-storm deductible appliesCloser to the bay and the coast, policies commonly carry a separate hurricane or named-storm deductible, often a percentage of the dwelling limit. Inland that may not apply at all.
- How water would actually reach the houseTidal surge, a creek coming up, and a pipe failing inside are three different things to a policy even though they look the same on the floor.
- Roof age and settlement termsThe same clause that matters everywhere, and it matters more where wind claims are frequent.
- That every discount is onAlarms, newer roof, claims-free history, multi-policy.
About David Igono
David Igono is a licensed agent writing in Maryland from an office in Morgantown, West Virginia.
Licensed in
Experience
- Over 5 years of relevant experience
- Several years working in banking in the Morgantown area
In the community
- Chamber of Commerce
- Rotary Club of Morgantown
- Fellowship of Christian Athletes
Outside the office
- Attending WVU sports games
- History
Credentials and awards
- Best of Morgantown Insurance Agency
- Property and Casualty Insurance License
How it works
- Tell us about the propertyAddress, rough age, anything unusual.
- A licensed agent reviews itNot an automated estimate.
- Quote back within 24 hoursBy email, coverage written out plainly.
Common questions
A separate deductible that applies only when the damage comes from a storm that has been named. It is frequently a percentage of the dwelling limit rather than a flat figure.
Generally that is a different policy from your homeowners. How the water arrives is what decides it.
No.
Within 24 hours, by email, from the Morgantown office.
Our office
Morgantown, WV 26505
Request a quote
Enough to price it properly, nothing more. We never ask for your Social Security number or your current policy number.