Earthquake and Flood

As most people know, Earthquake and Flood coverages are not part of standard property insurance policies. These two types of losses happen rarely (for most locations), but when they occur, the magnitude of the losses can be devastating. In short they are low frequency and high severity claims.

We at PA&T think you should carefully consider adding coverage for flood. Experts know that a flood can happen ANYWHERE; not just in designated flood plains. Talk with your PA&T professional today about this coverage.

Losses to earthquake are more geographically based. People are generally familiar with the potential for loss along our West coast. They may also know that southern Illinois and Missouri are at risk from the New Madrid fault. Earthquake insurance can be an important and cost-effective part of your insurance program. Talk with your PA&T professional today about adding this coverage to your portfolio.