Why many property owners don’t have flood insurance

There are a few reasons why you as a property owner may not have flood insurance. You may not realize that flood damage is not included in your homeowners or property insurance…or you may think that you do not live in an area that could get damaged by flood waters.

In 2015, in Columbia, SC they received what the news said was about 6 months of rainwater in just 2 days. Columbia is not on the coast, it does not often see a lot of rain, so you would think that you would not need flood insurance. This shows that just because flooding may not occur often in your area does not mean that it cannot happen.

This particular event was caused by Flash Flooding. This type of flood can occur with little or no warning and can happen anywhere. The Weather Channel describes a flash flood as “quick-rising floods usually occurring as the result of heavy rains over a short period of time, often only several hours or even less.They can also be caused by ice jams on rivers in conjunction with a winter or spring thaw, or occasionally even a dam break. The constant influx of water finally causes a treacherous overflow to begin, powerful enough to sweep vehicles away, roll boulders into roadways, uproot trees, level buildings, and drag bridges off their piers. Most frightening is the rapidity with which the water rises.”

Could your property recover financially from damage shown in the picture above? We over flood insurance for both homes & businesses. Give us a call at 864-688-0121.


The Weather Channel. “Flood and Flash Flood Facts”.  Nov 19, 2012. https://weather.com/safety/floods/news/flood-safety-20120423

Fire Safety: Is your home or business prepared?

Smoke billows from a tower block severely damaged by a serious fire, in north Kensington, West London, Britain June 14, 2017. REUTERS/Neil Hall

According to the Red Cross fires cause over $7 billion in property damage each year & around 7 people die each day from home fires. Just last week in London a high rise apartment building caught on fire with over 600 residents inside. There were over 79 fatalities. According to a report from CBS News, the building had a history of numerous complaints about fire safety regulations throughout the past 3 years.  The fire took only six minutes to spread six floors up. The external cladding that was installed in 2016 is believed to be the cause of the rapid spread of the fire. British & Australian officials has since started removing similar type cladding from other buildings.

Continue reading “Fire Safety: Is your home or business prepared?”

Hurricane Safety Tips

Embed from Getty Images

June marked the beginning of the Atlantic Hurricane season. We all know that these powerful storms can be deadly & destructive. Whether right on the coast of further inland there are some steps you should take to protect your family, pets & property. The American Red Cross has a lot of great resources.


Being prepared is probably the #1 best way to protect yourself. The Red Cross has an extensive list that you should check out, here are a few highlights:

  • Have an evacuation plan & know the evacuation routes.
  • Make sure you have an emergency kit (Red Cross Emergency List)
  • Protect your property by covering windows and picking up any loose items outside such as tools, furniture etc.
  • Check your home insurance coverage. The standard home insurance policy does not cover floods.


Not something usually mentioned in a hurricane safety article, but we know you want to keep your furry family members safe during a hurricane too. The Houston SPCA suggests that pet owners have a pet disaster kit with food, water, medication and vaccination records. Pets should also have tags with valid identification. If you are told to evacuate, your pets should go with you. If it is not safe for you, it is not safe for them. A full list of the Houston SPCA’s advice can be found here: http://hspca.convio.net/site/PageNavigator/animal_resources_disaster_preparedness 


  • Stay Indoors, if you are stuck outside DO NOT go into flood waters. Even shallow flood water  can be very dangerous.
  • Use flashlights, try not to use candles as they can be a fire hazard.


  • If you have evacuated do not return to the area until officials let you know it is safe
  • Let family know you are safe
  • Continue listening to the news in the case of more rainfall & flooding.

For a comprehensive list of hurricane safety tips visit the Red Cross Website: http://www.redcross.org/get-help/prepare-for-emergencies/types-of-emergencies/hurricane


Houston SPCA. “Disaster Preparedness”. http://hspca.convio.net/site/PageNavigator/animal_resources_disaster_preparedness

Red Cross. “Hurricane Safety”. http://www.redcross.org/get-help/prepare-for-emergencies/types-of-emergencies/hurricane


Marbles Suspected in Paintball Tournament Injuries

Participants at the 2017 Tippmann Challenge at Commando Paintball in Navan. – Sheldon Carless Photography/Used with permission from Commando Paintball – Posted by Ottawa Community News

The Tippmann Challenge D-Day 2017 took place on June 11th at Commando Paintball in Ottawa, Canada. Paintball players flock from all over to take part in this fun and friendly event. Unfortunately an individual at the event did not have friendly intentions. Continue reading “Marbles Suspected in Paintball Tournament Injuries”

Tis’ the season for inflatable vadalism


Tis’ the season for inflatable vandalism…or so it seems. Yesterday alone there were at least five news articles from across the country of inflatable Christmas displays that were vandalized or stolen. Whether you rent Christmas themed bounce houses, or have Christmas inflatables outside your business/home this is something you definitely need to be on the lookout for.

Continue reading “Tis’ the season for inflatable vadalism”

Paintball Eye Injuries & the Importance of Protection

Many sports pose the risk of eye injuries; some have a higher ris­­­k than others. According to “The National Eye Institute”, baseball is considered a high risk for eye injury and has the leading number of sports-related eye injuries. Although sports such as baseball & basketball have the highest risk, a recent study has found that Paintball actually poses the greatest risk of vision loss associated with the injury.

The reason that Paintball/Airsoft has the highest risk of vision loss is because, while large balls such as baseballs may fracture bones, smaller balls (like a paintballs) can injure or rupture the eyeball itself. So what can be done to lower the amount vision loss injuries in Paintball? Eye Protection…our insurance program requires full face & ear protection for Paintball and Airsoft. So why full face & ear when we are talking about eye injuries hear? Ear injuries are actually said to be the next common type of Paintball injury after eyes. Ear injuries can result in hearing loss, concussion or even a ruptured ear drum. This is true for Airsoft as well, ever had a BB in the ear? Not pleasant. Bottom line is, injuries from any sport can be potentially serious. Be sure to use the recommended safety equipment every time.

WebMD. “Paintball Causes Many Vision-Robbing Eye Injuries”. http://www.webmd.com/eye-health/news/20161103/paintball-causes-many-vision-robbing-eye-injuries#1. November 4, 2016.

National Eye Institute. “Sport-Specific Risk”. https://nei.nih.gov/sports/risk

NOLO. “Paintball Injury Lawsuits”. http://www.nolo.com/legal-encyclopedia/paintball-injury-lawsuits-33966.html. 2016.

Hurricane Preparedness

hurricane-matthew-news1The Southern East Coast is bracing for Hurricane Matthew, which is predicted to be the strongest hurricane to hit the US Coast line in over a decade. The Governor of South Carolina declared for a state of emergency & possible evacuations as Matthew inches closer. Do you know what to do in the event of a strong hurricane hitting where you live or do business?

The National Weather Service has many resources to help you prepare for a hurricane. The first thing the NWS suggests is to know if your area has an evacuation center & know where it is before the storm hits. You should also have a list of everything you will need if you need to evacuate. This is not the time to take all your belongings with you, you must plan to take only the essentials. Including clean clothes, cash, credit cards, bottled water, and a basic first aid supply kit.

Keep an eye on weather forecasts, hurricanes can be very unpredictable. Also make sure that your homeowners & business insurance provides for hurricane & flood damage…this is not something you want to find out after the fact.

National Weather Service. http://www.nws.noaa.gov/om/hurricane/plan.shtml . “What to Do Before the Tropical Storm or Hurricane”.

USA Today. “Florida, Carolinas brace for fury of Hurricane Matthew” http://www.usatoday.com/story/weather/2016/10/04/hurricane-matthew-shifts-closer-florida-late-monday-forecast/91515650/. October 5th 2016.

15 minute insurance mini seminars

join-us-iaapa2016Larry Cossio, the leading insurance expert and industry speaker, will be giving 15 minute insurance seminars for Party Rentals, Indoor Centers & FEC. Larry Cossio & the agents of the CIA will be traveling to IAAPA in Orlando on November 15th to the 18th. The mini seminars will be held at the larger booth #6157 at the following times:

  • Party Rentals: Tuesday, Wednesday & Thursday at 11:30
  • Indoor Centers: Tuesday, Wednesday & Thursday at 1:30
  • Family Entertainment Centers: Tuesday & Wednesday at 3:30

Trampoline Park tells UK teen she ‘can’t bounce without feet’


A trampoline park in the UK made headlines on Tuesday after a manager told a triple amputee teenager that she needed to leave the trampoline park because of her disability. Ellie had to have both her legs, her right arm and three fingers amputated at the age of five after being hospitalized with meningitis. She has won awards for trampolining & is an active horse back rider.

According to the news reports Ellie had been jumping in the trampoline park for about an hour when I manager approached her and started shouting at her in front of everyone that “if I have no feet, I cannot bounce”. The manager told her that she would be likely to injure others and that she could not be in control of her jumping.

The trampoline park issued a statement apologizing for the incident, but also commenting that the manager was concerned that the teenager was in a free running area that was for advanced users. They also said that they would like to offer free sessions to her and her family…though I doubt her family will return.


The Sun. “You can’t bounce without feet. What triple amputee teen was told as she was ordered to leave trampoline park in case she injured other customers”. https://www.thesun.co.uk/news/1816779/what-triple-amputee-teen-was-told-as-she-was-ordered-to-leave-trampoline-park-in-case-she-injured-other-customers/. September 20, 2016.