Insurance Agency News

Escrow Shock: How Flood Insurance Hikes Can Spike Your Mortgage Payment Have your mortgage payments unexpectedly jumped? If your home is in a flood zone and your flood insurance premium increased, your mortgage could rise too — and fast. I’m…

 Posted On September 15, 2025 Written by Dave Stewart Zehr Insurance Brokers Ltd. Every tractor has a story. Every harvest has a history. And behind every acre tiled, there’s a family whose story is rooted in resilience, tradition, and…

Buying a home shouldn’t mean overpaying for flood insurance. Yet in Alabama, thousands of homeowners are doing exactly that, without knowing it. Are you closing on your dream home in Alabama, but the flood insurance quote is giving you second…

The $75,000 Mistake Most Alabama Homeowners Are Making Are you paying thousands more than necessary for Alabama flood insurance?What if a single $600 document could unlock $75,000+ in lifetime savings? That’s the reality many homeowners face. Most don’t realize their…

Have you budgeted for flood insurance only to be blindsided at closing? Or maybe your lender quoted you one number, but by year’s end, you paid double or more? You’re not alone. Many Alabama homeowners are shocked by the true…

Owned by Murray McKinnon – ON Vehicle: 1969 Chevrolet CamaroColour: Blue with black interiorEngine: 350 ZZ4 crateMileage: 9,000 miles since restorationOwned since: 2010 For Murray McKinnon, the 1969 Camaro has always been his dream car. He finally made it a…

Worried your flooded rental property might cost more than it should?Unsure how to document damage correctly to avoid insurance headaches? If you’re staring at soaked drywall and panicked tenants, you’re not alone—and one misstep can derail your recovery. Whether you’re…

Worried your flooded rental property might cost more than it should?Unsure how to document damage correctly to avoid insurance headaches? If you’re staring at soaked drywall and panicked tenants, you’re not alone—and one misstep can derail your recovery. Whether you’re…

Does that bloated premium look more like a hidden tax on rental returns?This guide explains how to assess and reduce flood insurance premiums—often by 25–50%—without sacrificing coverage. It covers: Hidden factors that inflate flood-insurance premiums Cost-reduction tactics suitable for implementation…

Are you suddenly facing a flood insurance requirement for a property you’ve owned for years without one? Wondering how a new lender can change the rules midstream—and what your options really are? You’re not alone. Many real estate investors are…

Are you suddenly facing a flood insurance requirement for a property you’ve owned for years without one? Wondering how a new lender can change the rules midstream—and what your options really are? You’re not alone. Many real estate investors are…

Are You Required to Have Flood Insurance in Alabama? What Lenders Don’t Tell You—Until It’s Too Late Have you just found out—right before closing—that you need flood insurance to buy your Alabama home?Are you unsure how much it’ll cost, or…

Residential Flood Insurance · Alabama The Difference Between Flood Zone AE, A, and X—And What That Means for Your Wallet in Alabama Why are some Alabama homeowners paying hundreds—or even thousands—more for flood insurance than their neighbors? The answer often…

 Posted On August 15, 2025 Written by Dave Stewart Zehr Insurance Brokers Ltd. Rain is a farmer’s best friend, but when it disappears for weeks or even months, it can turn everything upside down. Drought doesn’t just stress the…

Did a recent flood leave you overwhelmed, wondering where to even begin cleaning up?Are you worried about health hazards, insurance claims, and how to rebuild stronger this time around? This comprehensive guide is your emergency roadmap. You’ll learn how to…

Chattanooga Flash Flood: August 12, 2025 Rainfall & Insurance Tips for Homeowners When heavy rain fell across Chattanooga, TN and Fort Oglethorpe, GA on August 12, 2025, it turned streets into rivers in just hours. For homeowners, this wasn’t just…

Why does your mortgage company suddenly become your biggest obstacle after a flood? And why do so many homeowners find themselves fighting to access insurance money they desperately need to rebuild? When floodwaters devastate your home, filing an insurance claim…

Are your investment properties really protected against flood damage? Do you know the critical differences between admitted and non-admitted flood insurance—and how that could save (or cost) you thousands? This article will give you everything you need to confidently navigate…

How much can an insurance adjuster impact your investment recovery after a flood? Are you prepared to navigate the most influential relationship in the flood insurance process? Floods can devastate property and profits alike—but how you recover financially often hinges…

Owned by Mike Farrugia – ON For Mike Farrugia, one of our trusted appraisers, the 1986 Caprice Classic is more than a car — it’s a connection to the past. At 17, Mike’s first car was a worn ’86 Caprice….

Are you confident your “safe” investment won’t flood? What happens when a major storm overwhelms areas FEMA maps say are low-risk? I’ll show you why properties outside designated flood zones still face significant flood exposure—and how a smart insurance strategy…

Ever stared at your flood claim estimate and felt like it was written in another language?Worried that missing a single line item could leave you out thousands? I’m Chris Greene, and I’ve walked through more muddy basements than I can…

A Strategic Guide for Real Estate Investors Are you eyeing a property that’s partly in a flood zone and wondering what that means for your bottom line?Concerned about how it could impact financing, insurance premiums, or resale value? Properties that…

Flood damage ranks among the costliest disasters a homeowner or renter can face—and it’s frequently misunderstood. While most standard policies for homes and apartments cover fire, theft, and wind damage, they typically exclude losses from rising water. A separate flood…

Are you concerned that your current flood insurance won’t actually cover you when disaster strikes?Do you worry that the National Flood Insurance Program (NFIP) could leave you underinsured—especially if you own a higher-value home or live in a moderate-risk flood…

Where’s My Claim or Document? A Quick Guide for Flood Insurance Customers Dealing with flood damage is stressful enough—finding your claim status or policy documents shouldn’t add to the headache. This streamlined guide walks you through: Identifying your coverage type…

Are you confident that your flood insurance will cover you fully if disaster strikes?Or are you one of the many homeowners wondering whether switching to private flood insurance could save you from financial devastation—but aren’t sure where to start? This…

Who to Call First After a Flood: Your Quick-Action Guide When the waters finally recede, the last thing you need is confusion over who to call next. This streamlined guide walks you through each critical contact—exactly who to reach, when…

Why Your Flood Risk Can’t Be Captured by One Map Alone Flooding is the costliest natural disaster in the United States, yet many property owners remain unaware that more than 20% of flood insurance claims come from properties outside FEMA’s…

Farm Safety Rules Every Parent Should Follow to Protect Kids Keeping kids safe requires constant attention, clear rules and leading by example. Here are some essential guidelines for practicing safety: Keep Play Areas Far from Equipment. Designate safe zones for…

Owned by Joe Ippolito – ON Car: 1972 Oldsmobile CutlassColor: Blue with black accentsEngine: 350 V8Mileage: 117,650 kmCondition: Fully Restored This month’s spotlight shines on Joe Ippolito’s beautifully restored 1972 Oldsmobile Cutlass. Joe first owned this car at 16, sold it in 1992, and managed…

More Articles Rooted in Stories: The Power of Farm Storytelling Sep 15, 2025 | Agricultural/Farm Insurance, Zehr Blog Farming is more than work – it’s legacy. Sharing stories builds trust, preserves traditions, and connects communities to the people behind food….