Integrity Insurance provides protection, information, guidance

June 2016: With hurricane season upon us, Integrity Insurance reminds everyone that a little preparation now can be invaluable when another storm hits Louisiana.
Along with having a plan for protecting your home and family in the event of hurricanes, severe thunderstorms, floods and other events, people need to be informed about what their insurance does – and does not – cover. Integrity Insurance includes education on all aspects of insurance as part of their mission when servicing clients.

Ashley Ouber, Christy Caldwell, Megan Koles Granthan, Sarah Louise Quezada Davis, Marie Labello and Randy Koles

Ashley Ouber, Christy Caldwell, Megan Koles Granthan, Sarah Louise Quezada Davis, Marie Labello and Randy Koles

In their seasonal emails and newsletters, Integrity recommends using the renewal date of your homeowner’s policy each year as the best time to call them to schedule a review of your needs. Of course, a review can be requested at any time – and the sooner the better. Any changes must be made before a tropical storm is threatening.

Review it!
“Our professionals at Integrity Insurance can advise you on the optimum amount of insurance needed,  your deductible options, and various riders to cover your other needs. Since we are an independent agency, we can check coverages and premiums with different  insurance companies to find the best fit for you.

“If you have made any additions or improvements to your home, inside or out, your insurance policy should be reviewed to make sure you have adequate coverage.” Sarah Louise Quezada Davis, owner of Integrity Insurance

Remember, flooding can happen everywhere…
Hurricane season is here
Even if 2016 is a relatively quiet Atlantic hurricane season, it only takes one storm to devastate a large area. Weather can be unpredictable, and tropical storms can form quickly. Once a storm enters the Gulf of Mexico, most insurance companies suspend writing homeowners’ insurance policies until the storm threat is over. Also, it may take 30 days after purchase for some policies to take effect, so it’s important to get your insurance or increase your coverage now.
flood“If you have made any additions or improvements to your home, inside or out, your insurance policy should be reviewed to make sure you have adequate coverage,” said Sarah Louise Quezada Davis, owner of Integrity Insurance.
“Our professionals at Integrity Insurance can advise you on the optimum amount of insurance needed, your deductible options, and various riders to cover your other needs. Since we are an independent agency, we can check coverages and premiums with different insurance companies to find the best fit for you.

Danger of flooding after storms
“Hurricanes and even prolonged heavy thunderstorms can bring heavy rains, flash flooding, and rising bayous and rivers. Homeowners insurance does not cover flooding; you must have a separate flood insurance policy,” Davis advised. “Remember, flooding can happen everywhere; just because you may not have experienced a flood before, it doesn’t mean that you’re not at risk for flooding in the future.”

buildingAs a property owner, what can you do to lower your flood insurance costs?
• Obtain an elevation certificate to determine your true risk premium and to make informed decisions about flood mitigation and rebuilding.
• Consider changing to higher deductibles which might lower your premium.
• Consider incorporating flood mitigation measures into your remodeling or rebuilding such as elevating or rebuilding higher to possibly lower your flood risk and reduce premiums.
• Schedule an appointment to talk to an Integrity professional to discuss your options.

Integrity continues to serve Livingston Parish
“In addition to homeowners and auto insurance, we also offer complete insurance coverage for everything from builder’s risk insurance to vacation travel insurance, to boats, camps, ATVs and more,” Davis said.
“We care about people’s individual needs and want to give them the necessary information for making wise decisions regarding their insurances. Whether it’s clients or those just in search of information, our doors are open, and we look forward to visits from anyone who would like to stop by either of our hometown offices.”
In 2015, Integrity added a second business location in Albany which allows them to make their services more convenient for the residents of Albany and other people in the eastern part of Livingston Parish.
Both offices offer full lines of coverage for both personal and commercial customers from more than 30 different providers with whom they partner. Integrity offers discounts for packaging home and auto insurance through their agency with discounts of 10-15% off premiums when purchased together.
During 2016, Integrity Insurance continues to successfully expand their business and to serve the people of Livingston Parish.
Call for an appointment to get an insurance checkup at no cost or obligation.

Details:

Details: Integrity Insurance, 20185 Iowa St., Livingston, 225.686.1217, or 29887 South Montpelier Ave., Albany, 225.567.5700. Website: www.integrityins.org and Facebook: Integrity Insurance.

Warm weather and swimming go hand in hand
Swimming is a great recreational sport that can be enjoyed by people of all ages. But it’s important to know how to be safe while you’re in the water. Integrity Insurance advises you to follow the American Red Cross swimming safety tips at the pool, beach or river:
• Always swim with a buddy; do not allow anyone to swim alone.
• Never leave a young child unattended near water.
• Have young children or inexperienced swimmers wear U.S. Coast  Guard-approved life jackets around water.
• If a child goes missing, check the water first. Seconds count in preventing death or disability.
• Make sure everyone in your family learns to swim.
• If you have a pool, secure it with appropriate barriers. Keep life preservers or pool noodles nearby in case someone begins to struggle.
• Protect your skin. Limit the amount of direct sunlight you receive between 10:00 a.m. and 4:00 p.m. and wear sunscreen with a protection factor of at least 15.

Giving back to the children of Livingston Parish
Integrity Insurance staged a successful fundraiser in 2015 for the Mighty Moms Organization that helps feed hungry children in Livingston Parish. Integrity’s owner, Sarah Louise Quezada Davis and her staff put together an event called “Fill A Tummy 5K” that will now become an annual event in the fall to help provide food for the less fortunate children in this parish. They also earned an additional $5,000 for Mighty Moms from the SAFECO Make More Happen Award Program.

The Integrity Award
They also started a student scholarship program and awarded scholarships to a graduating senior from every high school in Livingston Parish, giving out $3,000. According to Davis, “Integrity wants to continue to look for ways to make a difference for our young people. We have been blessed, and it is just how we operate our business. Giving back is simply the right thing to do.”

2016 Runner Ups
Karen Mix – Doyle High
Brailie Gautreau – Maurepas High
Jacqueline Cooper – Maurepas High
Matt Arnett – Holden High
Connor Long – Walker High
Kelsie Whittington – French Settlement High
Mary Scardina – French Settlement High

2016 Winners
Allie Dorsey
Springfield High
Holly Garland
Maurepas High
Logan Mayers
Walker High
Sydney McCreary
Doyle High School
Michael Neal Starkey ll
Holden High
Other recipients not pictured are: Keri Disedare, Albany High and Kayla Lewis, French Settlement