Flood coverage
So, in short, Yes, the "National Flood Insurance Program - Standard Flood Insurance Policy" covers property directly damage from a Tsunami (extreme tidal action) regardless of what caused the Tsunami.

Tsunami risk zone map
Risks change from place to place and from one year to the next. You can use FEMA's Risk Map to investigate areas near you and find out which zone you live in.

Your home and its contents are insured against many different natural disasters such as fire, windstorm, hail, tornadoes, and occasional flooding (if you live in a flood-prone area). This coverage is commonly known as "named perils." Other perils like earthquakes and floods (outside of flood areas) are not. Contact us if you have concerns or questions about your level of protection and we are happy to review your insurance coverage and let you know what changes you might want to consider making.

The association master policy is for coverage to the building itself, which you don't need. You do need your own policy for protection for your own possessions and for legal liability related to your own unit. Many condominium associations will appraise unit owners for master policy deductibles. For this reason it is also important to have your own policy and why its coverage should match up well with the association master policy.

The coverage is usually dependent on the policy. Most homeowner insurance policies provide coverage for your personal property if it is stolen, lost, or damaged while it's at the location where you're allowed to keep it. A standard homeowner policy provides coverage for possessions when along for travel or in temporary locations equal to 10% of the limit for Coverage C of a homeowner policy or $1,000, whichever is greater. Consider additional protection if you have property in excess of these amounts away from home or property that is kept away from your residence premises for extended periods of time.

The 10% limitation for household property, is for property at an Insureds Residence Premise. No limitations for property carried on vacation or stored in a storage unit (except whatever the contents limit is on the property).

There are several ways you can file a claim. Your best option is to contact the insurance company directly. Find direct contact information by carrier here. If you ever need us we're just a phone call away 425-775-1410.

Homeowner policies specifically exclude reimbursement for flood damage. Your home could even be a significant distance from a major body of water and still be exposed to flood risk if your home was built in a flood plain. The National Flood Insurance Program has a flood risk indicator on their website. If you are at risk, Sea Mountain Insurance can get flood coverage for you.

A renters policy is a form of insurance that protects the renter's personal property against damage, theft, or loss. Renters policies also include liability protection. Liability protection is especially important in cases caused by your negligence, like fire, where damage is incurred by other rental units and property.

A renters policy can provide coverage for all your belongings in case the unthinkable happens. It covers losses due to fire or vandalism, too.

There are variations but these are the commons steps after a claim is filed to the insurance provider:

1. You will be contacted by the insurance adjuster to provide more information.
2. Usually the an insurance representative will inspect the damage and ask for value and ownership evidence for loss to property if not a vehicle or real property.
3. The estimate is given
4. The payout is delivered
5. If there are differences in the estimate and the actual repair costs, attempts are made to resolve and perhaps a supplemental check is needed.

All claims to be settled and paid by your insurance company. Sea Mountain takes responsibility in helping to make sure the process is quick and fair with minimal bother to you. We monitor the claim progress and keep you informed.

We know you don't want to put your hard-earned funds on the line. But things happen, and you need to know what happens when they do. There are several factors that could result in an increase in your premium, but luckily filing a claim won't affect your premium. A single claim is not concerning but a pattern of claims can cause premiums to increase or even be cancelled.

Most policies only provide coverage for you and relatives that live with you. If your roommate is not a relative, your roommate’s renters insurance policy will not cover you. Luckily, renters insurance is quite affordable starting around $150 a year with coverage for your personal possessions and providing liability protection.

Contact the insurance company directly and they will help you with the process of filing a claim. You can find carrier contact information here. Otherwise you can call us or complete the File a Claim form here.

It is important to note that there are two different types of rentals - personal and commercial. Renting a car for yourself is most likely not covered under your business auto policy, but renting one for business purposes most likely will be. You can get protection for situations where you rent autos if you add Hired Auto Liability and Physical Damage coverage.

There are variations but these are the commons steps after a claim is filed to the insurance provider:

1. You will be contacted by the insurance adjuster to provide more information.
2. Usually the an insurance representative will inspect the damage and ask for value and ownership evidence for loss to property if not a vehicle or real property.
3. The estimate is given
4. The payout is delivered
5. If there are differences in the estimate and the actual repair costs, attempts are made to resolve and perhaps a supplemental check is needed.

All claims to be settled and paid by your insurance company. Sea Mountain takes responsibility in helping to make sure the process is quick and fair with minimal bother to you. We monitor the claim progress and keep you informed.

There are two basic types of coverage: liability-only and comprehensive. All businesses need basic liability for protection against acts of owners or employees that the business might be considered legally liable. Comprehensive coverage is more expensive but provides broader protection for your business, including medical benefits for employees, fire and theft coverage, and property coverage.

Businesses that own autos or use non-owned autos in the conduct of their business will probably need a business auto policy.

Other types of insurance to consider are property and business interruption. Business interruption insurance can pay suppliers, salaries and other costs you might incur even if your business income were to be interrupted by a covered cause of loss.

We know you don't want to put your hard-earned funds on the line. But things happen, and you need to know what happens when they do. There are several factors that could result in an increase in your premium, but luckily filing a claim won't affect your premium. A single claim is not concerning but a pattern of claims can cause premiums to increase or even be cancelled.

Contact the insurance company directly and they will help you with the process of filing a claim. You can find carrier contact information here. Otherwise you can call us or complete the File a Claim form here.

There are variations but these are the commons steps after a claim is filed to the insurance provider:

1. You will be contacted by the insurance adjuster to provide more information.
2. Usually the an insurance representative will inspect the damage and ask for value and ownership evidence for loss to property if not a vehicle or real property.
3. The estimate is given
4. The payout is delivered
5. If there are differences in the estimate and the actual repair costs, attempts are made to resolve and perhaps a supplemental check is needed.

All claims to be settled and paid by your insurance company. Sea Mountain takes responsibility in helping to make sure the process is quick and fair with minimal bother to you. We monitor the claim progress and keep you informed.

If you own, lease (long term) or finance your vehicle then you will file a claim with your insurance company. You will have to pay the deductible amount. Payments for a claim will be handled in a variety of ways. If you leased or financed your vehicle, any payment from your insurance company will go directly to that leasing or financing company only. If you damaged another vehicle or property in the incident, your insurance company is obligated to cover this cost with little involvement on your part.

We know you don't want to put your hard-earned funds on the line. But accidents happen, and you need to know what happens if things go wrong. There are several factors that could result in an increase in your premium, but luckily filing a claim won't affect your premium. A single claim is not concerning but a pattern of claims can cause premiums to increase or even be cancelled.

There are several ways you can file a claim. Your best option is to contact the insurance company directly. Find direct contact information by carrier here. If you ever need us we're just a phone call away 425-775-1410.

Homeowner policies sometimes cover boats, but you will need to double check with your current insurance if this is the case. Car insurance typically doesn't cover boating, so you will likely need a separate policy if you keep your boat on water. If you get boat coverage on your homeowner policy it may be limited unless additional modifications are made.

There are variations but these are the commons steps after a claim is filed to the insurance provider:

1. You will be contacted by the insurance adjuster to provide more information.
2. Usually the an insurance representative will inspect the damage and ask for value and ownership evidence for loss to property if not a vehicle or real property.
3. The estimate is given
4. The payout is delivered
5. If there are differences in the estimate and the actual repair costs, attempts are made to resolve and perhaps a supplemental check is needed.

All claims to be settled and paid by your insurance company. Sea Mountain takes responsibility in helping to make sure the process is quick and fair with minimal bother to you. We monitor the claim progress and keep you informed.

We know you don't want to put your hard-earned funds on the line. But accidents happen, and you need to know what happens if things go wrong. There are several factors that could result in an increase in your premium, but luckily filing a claim won't affect your premium. A single claim is not concerning but a pattern of claims can cause premiums to increase or even be cancelled.

As the year progresses, make sure you review your insurance needs. If you experience a major life change, discuss this with your provider to identify if it might impact what type of insurance is needed. For example, changes like getting married or having children may necessitate different coverage needs.

Life changes may include: