If you are interested in learning more about Long-Term Care Insurance, Kyle Powers of First Command Financial will be hosting two seminars on November 10th 2009. The first program will run from 11 am to 1 pm at the Wells/Ogunquit Senior Center located at 300 Post Road Wells Maine. The second session will be held at the Hampton Inn located at 900 Post Road Wells ME 04090 and starts at 6pm and runs until 8pm.
I plan on attending one of the sessions to learn more about this unique insurance product. To reserve a seat, or for general questions, feel free to give Kyle a call at 207-729-4410. 
-Jon Sevigney CIC

As many property owners know in the state of Maine, FEMA is making some changes to the flood maps. Many of the towns now have the proposed maps available to be reviewed. If you are anywhere near the ocean, a marsh, a river, a lake, a pond, or if your home/land has experienced any flooding in the last few years (think about the infamous Patriot's Day Storm and Mother's Day Storm) you should stop by the town hall to see the new proposed maps. There is time to dispute the new maps before they are adopted by the community. If you own a home or business, and even PART of your building is in the flood zone, you could be required by your mortgagee to purchase a flood policy. There is also time to potentially purchase a policy for less premium before the maps are adopted and the property is placed in a more expensive "high risk" zone. 
Even if you are not in a "high risk" flood zone, you are eligible to buy flood insurance in most participating communities. Floods, like fires, are unpredicatble and can happen to any home. Flood claims are not covered under standard homeowners policies.
If you would like to learn more about flood insurance, feel free to give me a call.
Jon Sevigney CIC (207) 646-8388 

We are fortunate in our office to have so many Insurance Companies that can provide quotes for oceanfront homes. In many parts of New England, it has already become very difficult to obtain homeowners insurance for properties located within a mile of the Ocean. In Southern Maine we are starting to see this trend as well. If you are having trouble procuring insurance for your oceanfront home, or you have seen a dramatic increase in the cost of your insurance, give us a call at (207) 646-8388! At Sevigney Lyons Insurance Agency, we specialize in insuring oceanfront homes and oceanfront rental properties. We are experts in flood insurance, and licensed in ME, NH, VT and MA.
-Jon Sevigney CIC

Thank you for visiting us at sevigneylyons.com! This is the first entry in our insurance blog. Please check back for our weekly discussions of current insurance topics.
Thanks!
Jon, Luke, and The Sevigney Lyons Team

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