New York and New Jersey residents continue to endure the wrath of Hurricane Sandy as they pick up what’s left of their formerly settled lives. As a preferred photography insurance provider in the New York area, APA Insurance Services’ staff members have been sitting tight throughout the anticipation, occurrence and aftermath of Sandy’s imposing devastation.
“I was expecting more claims than we received,” says Karen Stetz, Lead APA Insurance Services problem solver. “As I watched the Sandy news coverage, I couldn’t help but think of my clients in the area. It’s absolutely heart-breaking and I want to remind all of our photographers that we’re here if they have any questions, concerns or need assistance.”
Many insurance companies take claims on a first-come, first-serve basis. So we want to remind our insureds that it’s important to report a claim as soon as possible. A great way to jumpstart this claims process is by providing proof of damage right away—fittingly, photos are a preferred method along with receipts and purchase records. The more detailed a client’s documentation is, the more leverage he/she will have to achieve appropriate compensation upon filing a claim.
As an independent agency that represents multiple insurance carriers, our loyalty is always with our clients. APA Insurance Services is dedicated to making sure our photographers are taken care of—whether it’s securing better coverage at a great value, or acting as their right arm in the event of reporting a claim.
While some of our photography insurance packages include flood damage coverage, many standard equipment policies and/or business owners’ policies do not. Ms. Stetz explains, “Water damage resulting from a ‘ground up flooding’ scenario typically requires a different coverage plan than an incident of accidentally dropping a camera in the water at a lake shoot would.“
APA Insurance Services does provide policy add-ons, however, that cover flood and/or earthquake damage in select states at an additional premium. Please do not hesitate to contact us if you have any questions about your current coverage.
Request a FREE indication of cost and coverage (new or additional) by visiting our photography insurance request form today or calling 877.269.9021! APA Insurance Services is committed to making it easy for you to secure reliable photography insurance for less. Not to mention, we provide complimentary certificates of insurance with a 24-hour turnaround time!
APA Insurance Services is the exclusively endorsed insurance provider of APA National. We are proud to retain over a 94% satisfaction rating from our clients. Visit online anytime at www.apainsuranceservices.com.