220 High St.
Chestertown, MD 98765
Many jurisdictions never have an official need for flood insurance, but anyone living near a river, creek, higher elevation lake or dam, or even coastal areas should think twice. Flood damage is extremely disconcerting because, unlike other types of events, it can continue for months. Flood waters don't necessarily drain right away after the event has occurred. The water can stay put for weeks until it drains or dries out. And that moisture continues to cause damage through rot, mold generation, and spoliation of the general structure. Further, with the water often turns in to mud, which gets into everything like liquid cement. In many cases, anything below the flood level is pretty much destroyed and has to be replaced.
Typical homeowners insurance does not account for flood damage. In many cases such policies specifically exclude flood or water-born damage to a property. Homeowners as well as businesses need to strongly consider whether there is a sufficient risk in their area that a stand-alone policy could address. And remember, one doesn't need to be on a river's edge or beach to be flooded. Flood waters can happen from coastal surges, downhill mudslides and flashfloods during rains, and even man-made flood damage such as a municipal system failing. A good flood insurance policy could address this issues instead of realizing the damage the hard way.
To understand better how a comprehensive flood insurance policy can complement protection for a home or business, folks should make contact with Hogans Agency Inc. Our experience and knowledge of the property insurance market is invaluable in terms of finding the right flood insurance policy for a given situation. Don't risk another winter or seasonal swell without at least first having had a discussion with one of our agents at Hogans Agency, Inc. It could be the different in saving a home versus losing it entirely.
"The Hogans ®Agency has been with us through every step of our journey and have become an extension of our team. They are true business partners. Matt and his agents are proactive and always seem to be one step ahead of every business decision that we make. They are a remarkable, hardworking, professional group! Hands down, the best in the industry.”
“I called Hogans® for a Homeowners and Auto quote and spoke to Drew. He was very quick in getting me my quote back and was a pleasure to deal with (I also saved over $250.00 from another policy). Great experience.”
"We have been associated with The Hogans® Agency for both our personal as well as business needs for roughly 30 years. This relationship has included the Real Estate and Insurance groups. Their overall level of industry knowledge and service is exceptional. In the relentless challenge of increasing costs of our Health Insurance for 37 employees, Hogans Agency has tirelessly sought options that provide the level of coverage for the employees at the lowest increases reported by other companies in the region and nationally. They have also been very active in securing Bonds for our construction projects. They are an excellent strategic corporate asset and attend to personal requirement with the same energy."
"Normally I am very reluctant to refer or recommend any person or service. However in the case of Hogans® I have reached the point where I have no reservation at all. They are truly a full service Independent Agency. Which certainly is evident when you come to the bottom line of your quotes."
"The Hogans® Agency was thorough and treated our situation with dignity and respect. They used their personal small town touch to deliver top-drawer, big city policies which resulted in an enormous cost savings without losing any coverage. The staff is super responsive and answers all correspondence quickly, politely and with the “Hogans’ flare”. We recommend Hogans with complete confidence that they will do the absolute best for all their customers. Thank you Hogans!”
"I have been a customer of Hogan's Insurance for over five years and have been very satisfied with their service. Chuck Woodfield has been my agent, and, over the years has been professional, courteous, and above all, accessible. Any claims, such as hurricane haul outs were settled in a timely manner with no questions asked. Last year, I had a grounding which could have ruined my charter season. The repairs were begun as soon as we hauled out, and with the help of Hogans' adjuster, everything was repaired or replaced in less than two weeks. Perhaps the best endorsement I can give for Hogan's is the fact that after one year of coverage, Chuck found a better policy for a cheaper price. I have never had an insurance company decrease my rates, and I plan on sticking with the company who is looking out for my best interests.”