Stephen Podmaska's (podmaska) Blog

It's a myth that you can't buy flood insurance if you are located in a high-flood-risk area. It's a fact that no matter where you live, there are options to keeping your home and personal property protected. In 1973, The Flood Disaster Protection Act was amended ro require federally regulated len...

Generally, physical damage to your building or personal property that is "directly" caused by a flood is covered by your flood insurance policy. For example, damages caused by a sewer backup are covered if the backup is a direct result of flooding. However, if the backup is caused by some other ...

You may think that defining what a "flood" is should be easy. Not necessarily so. Here's the official definition used by the National Flood Insurance Program. "A flood is 'a general and temporary condition of partial of complete inundation of two or more acres of normally dry land area or of two ...

Recently, our local waters reached a record-breaking high causing severe flooding across the state. Were you covered? And would you be covered in the event that it happens again? Hindsight is always 20/20, and although some learned a lesson the hard way, I fear that no action took place to resol...

    Are you a first - time homebuyer in Rhode Island?  If so, Podmaska Insurance Agency would like to help you answer some questions you may have about Homeowner's Insurance. When is a good time to start looking for Homeowner's Insurance?   -   As soon as you put a deposit down on your first hom...

 At Podmaska Insurance Agency, many of our clients ask us if engagement ring insurance is necessary..... Our answer is Yes! Here are some ways to insure your engagement ring. Ring insurance can be purchased as an extension or a "rider" for your renters'insurance policy or homeowners' insurance p...

    At Podmaska Insurance Agency, we know that protecting your home and your loved ones should be a top priority. Fire experts agree that 40 to 50 percent of lives lost in residential fires in this country could have been saved if the families had used smoke detectors.  The majority of fatal hom...

Any Fire that happens in your home can be a devastating one especially one that could have been prevented. At Podmaska Insurance Agency we want to help make sure this doesn't happen to you. Here are a few tips we hope will help protect your home from a preventable fire. Your Dryer May be Failing...

  A "PUP" stands for Personal Umbrella Policy, which provides an extra layer of very affordable liability protection for your personal assests and furture earnings.   A Personal Umbrella Policy increases your overall liability coverage beyond the basic coverage provided under your homeowners ins...

      Trying to survive the winter months in Rhode Island? Well, here are a few tips from Podmaska Insurance Agency to help keep you and your home warm this winter season. Dress for the weather, even in your house.Try not to turn your heating system on unless it's too cold that you're actually sh...