Author: Pete Covill

Skyrocketing coastal home insurance what you need to know

Skyrocketing coastal home insurance what you need to know.

FEMA has completely revamped the rating system for the National Flood Insurance Program (NFIP). Starting October 1st, 2021, the rates for new NFIP policies take effect.  Policies will renew on the new system starting 4/1/22.  The new rates will better reflect the true risk of flooding. Some coastal premiums will sharply increase!

FEMA has revamped the rating system for national flood insurance

Skyrocketing coastal home insurance! What you need to know is the current NFIP program subsidizes many risky coastal homes. Homeowners have all been paying much more than they probably should have to subsidize coastal or high-risk homes in other parts of the country.

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38 HURRICANE Humphrey Covill & Coleman

How We Survived the ’38 Hurricane

The ’38 Hurricane was a near tragedy for my family.  At that time I was in the third grade at the Washington Street School in downtown Fairhaven, and we lived at 14 Green Street, not far from Fort Phoenix.

The school was built as a wooden church in the 1800’s until Rogers built the Unitarian Memorial Church around 1903 or so.  It then became a school, and in the mid-1940’s it was the Boys’ Club and is now home to the Northeast Maritime Institute.

My classroom was on the second floor, west side.  In the early afternoon on the day of the storm, the sky darkened, the wind picked up out of the Southwest, and torrents of rain came down, – sideways it seemed.  The wind was blowing rain in around the windows, so my teacher, Miss Smith, moved us all to the east side of the room, away from the windows.  Then the Principal came in and ordered us all to the rear exit on the northeast side in the lee of the wind.

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Does my home policy cover me for Earthquakes?
How to Insure Your Rental Property


Rental InsuranceHow much is too much? How much is not enough? Your insurance policy requires you to carry enough coverage to avoid penalties.  Most policies written on a multi-family home that is held for rent contain a “coinsurance clause”.  Depending on the percentage in your policy… it states that you must carry at least 80% or 90% and sometimes 100% of the replacement cost of the home.  Know your percentage!


What is Replacement Cost?  It has absolutely nothing to do with the market value of the home!  It is the cost to replace/rebuild your home at the time of loss. I can tell you that this amount is much higher than the market value. Where a 3 family might sell for around $300,000, the replacement cost is north of $600,000!

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Social Media Marketing for the Contractor

Social Media Marketing for Contractors

Are you a carpenter, contractor, roofing company, or mason?  Then you’ll want to read this.  Social Media Marketing for Contractors is a How-To on setting up your Facebook marketing.

5 Ways to Get More Customers using Facebook

You know you do great work and your customers know you do great work, but how do you get that out to the masses?  How do you get more customers? You’re great at what you do, but not so good at marketing?  We can help!

Potential customers are doing a lot of research online these days. They like to see your finished work and they ask for referrals!  They’re not likely to just take the first contractor they find in the phone book.

That’s why it’s so important to put together a social media marketing plan to help you get the word out about yourself and show off your work.  To help you do that, we’ve put together our top five tips for getting more customers through social media.

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Waterproofing your Basement

Though water is great for plants, animals, and life all around, it is not for the home! This is why waterproofing your basement is so important.

Water can weaken foundations, damage floors, and cause mold, all of which are dangers to your home.

Mold is especially dangerous. It forms in a dark, poorly vented area with high moisture levels and the basement is often neglected, allowing the mold to grow for a longer period of time.

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ENGAGEMENT RING INSURANCE, Humphrey Covill and Coleman

Engagement Ring Insurance

Down the drain!

Did you read about the bride in NYC that dropped her engagement ring?
This past Monday the New York Times ran a story about a couple who lost an engagement ring. The ring was a little too big and slipped off the bride’s finger on a Friday night into the abyss of a Times Square sidewalk grate just a few hours after grooms proposal. Think, Engagement Ring Insurance.

Paying several thousand dollars for an engagement ring only to lose it or have it stolen would not be a good thing. And finding out that your homeowners policy doesn’t cover that loss would be another blow.”

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Humphrey Covill and Coleman Insurance

5 Tips to Keep Your Home Safe This Holiday Season

The holidays are an exciting time, but without proper protection, what seems like a holly, jolly season can take a devastating turn for the worse. Keep these tips in mind when you’re planning for the upcoming holidays to make sure your home stays safe and sound.

Keep Travel Plans Private

If you’re traveling for the holidays, it may be compelling to tell friends, coworkers, and acquaintances while making small talk, but do your best to avoid this. Letting people know your house will be sitting unattended can be a recipe for disaster, putting your personal property at risk for theft and vandalism. Instead, keep travel plans close to the vest. Don’t post about your vacation plans on social media, share images of your time away from home before you return, or do things like allow mail or newspapers to pile up. The more you do to stay quiet about travel, the less of a target you will be.

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Why Insurance Companies ask about your roof

Insurance and your roof

If you are a homeowner or are looking to purchase your first home, you’ll find a lot of emphasis on the roof. As one of the most important structural elements of the foundation, the roof holds center stage. When there is a storm or any type of inclement weather, the roof is your first line of protection. Matter-of-fact when it comes to insurance and your roof you will be asked by the insurance company how old is your roof.

insurance companies place a high emphasis on the condition and quality of your roof when they quote your homeowner’s insurance policy.


Since the roof is your first line of protection, it essentially protects you, the family and all your belongings. In any weather, the roof is usually the first thing that will be affected. If your roof is having problems, the effects of that inclement weather can get into your home, causing a lot of damage. That damage will have to be fixed, along with items that will have to be replaced, so you’ll end up filing a claim.

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