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Curtis Miller Insurance Agency

1800 Blizzard Drive
Parkersburg, WV 26101

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Insurance

Does Flood Insurance Cover Both the Interior and Exterior of a Property?

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Floods tend to be out of mind as they are almost always out of sight. However, when a flood occurs, it has the potential to upend homes and lives. 

If you are like most people living in Parkersburg, WV, you aren’t exactly sure what flood insurance covers. Here’s the inside scoop.

Interior and Exterior Coverage

Flood waters can damage both the interior and exterior of a home. Even if you aren’t in a flood zone, there is the potential for heavy rain or even a flash flood to send water gushing toward your home. Curtis Miller Insurance is here to help. 

Even if you have homeowner insurance or renters insurance, you still need flood insurance. Flood insurance provides protection against rushing water that otherwise would not be covered by a general insurance policy.

Flood insurance covers damage to interior items within the insured building. However, flood insurance does not cover damage to most items outside of the property. As an example, decks, pools, patios, fences, trees and septic systems are typically not covered.

Mind the Small Print

Flood insurance policies often include language that details some surprising coverages and gaps in protection. As an example, if your property has a underground furnished space, the insurance might not cover specific items such as paneling, carpeting, window treatments, floor coverings or book cases.

In general, flood insurance coverage for crawlspaces and basements tends to be limited. Do your homework before choosing a policy. The analysis should include notation of earth movement clauses detailing property loss when ground soil moves. Gradual soil erosion, water accumulation, sinkholes or landslides are distinct from floods and noted as such in policies.

Contact Curtis Miller Insurance

If you are in the Parkersburg, WV market for insurance, we’ve got you covered. Give us a call today for a quote.

What Does Workers’ Comp Insurance Pay For?

Posted on by agentinsure

As a business owner, you may already know that you need workers’ comp insurance for all of your employees. No matter how many employees you have, even just one, it’s essential to have this coverage for every employee and to keep this insurance for as long as you own your business. There are many things that this type of commercial insurance will pay for, and it often pays for things that the business owner didn’t realize were a part of workers’ comp. When it’s time for you to get workers’ comp insurance, we’re here to help. Just call us at Curtis Miller Insurance, serving Parkersburg, WV.

Medical Bills

The first thing that many people think of when they think of this type of commercial insurance is that it pays for medical bills after an accident. This is vital for all businesses to have because it does pay for these bills, and healthcare costs are always rising. It doesn’t take a very serious accident for it to be an expensive one. An accident at work can also lead to a need for ongoing medical therapies, and workers’ comp pays for this as well.

Other Costs

It also pays for other costs such as legal bills and lost wages. These are often required after an accident that causes injuries, and the policy will take care of them. There may also need to be disability payments after a serious accident, and this, too, is taken care of. Workers’ comp is a valuable commercial insurance policy that no business with employees should ever be without.

Get Workers’ Comp Insurance

If you don’t have your workers’ comp insurance policy in place yet, it’s time to call us. You can contact us at Curtis Miller Insurance, serving Parkersburg, WV, to find out more.

Common Misconceptions About Insuring Vintage and Collector Vehicles

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Owning a vintage or collector vehicle is a passion that brings immense satisfaction, but many enthusiasts hold misconceptions about how to insure these special automobiles properly. Standard auto insurance policies often fall short when protecting classic cars, leaving owners vulnerable to significant financial losses. Curtis Miller Insurance in Parkersburg, WV specializes in helping collectors understand the unique insurance needs of vintage vehicles and avoid costly mistakes.

Regular Auto Insurance Is Not Enough

Many classic car owners assume their regular auto insurance will adequately cover their vintage vehicle. This is rarely the case. Standard policies typically only pay actual cash value, which for older vehicles often means very little compensation. They don’t account for restoration costs, appreciation in value, or the specialized parts needed for repairs. For example, your 1967 Mustang restoration might be worth $45,000, but standard coverage could value it at just a few thousand dollars.

Agreed Value Policies Require Specific Conditions

While agreed value policies are better than standard coverage, many owners misunderstand the terms. Agreed value doesn’t guarantee you’ll receive that amount under all circumstances. The vehicle must meet certain conditions, such as being stored properly and driven only a limited number of miles annually. Some policies also require regular appraisals to maintain the agreed-upon value amount.

Specialized Repairs Are Essential

Another misconception is that any repair shop can work on vintage vehicles. Classic car insurance often requires using approved shops with experience in restoration work and access to period-correct parts. Using the wrong facility could void your coverage or result in improper repairs that diminish your vehicle’s value.

Understanding these nuances is crucial for protecting your investment. Contact Curtis Miller Insurance in Parkersburg, WV today to discuss specialized coverage options that truly protect your vintage vehicle’s value.

Understanding Private Flood Insurance vs. Federal Flood Insurance

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If you are concerned about your home or business sustaining damage from a flood in Parkersburg, WV, you should consider purchasing a flood insurance policy. You have two main options: obtaining a federal National Flood Insurance Program (NFIP) policy or one from a private insurance company. Curtis Miller Insurance can help you decide which type of flood insurance works best for your situation.

Federal Flood Insurance (NFIP)

Federally-backed policies provide some people with a sense of security because claims are backed by the United States government. NFIP policies have fixed limits set by the Federal Emergency Management Agency (FEMA). Coverage limits are standardized at up to $250,000 for buildings and $100,000 for contents. FEMA policies have a 30-day waiting period before they become effective, so you need to anticipate your risk in advance. Premiums can be higher in areas with greater flood risk, and if you drop an NFIP policy, you may face higher rates from other insurance companies.

Private Flood Insurance

Private insurance companies offer more flexible and customizable coverage. These policies can provide higher coverage limits than FEMA policies, making them a more comprehensive option for homeowners and business owners. With private insurance, you can tailor your coverage to include options such as replacement cost coverage for contents, temporary living expenses, and pool repair. Many private policies have shorter waiting periods before they become effective, and some even offer immediate coverage. Additionally, private policies often offer more competitive pricing, potentially resulting in lower premiums.

Which Should You Choose?

FEMA insurance is a good choice if you want stable, affordable premiums backed by the federal government. Private insurance is ideal for those who need more comprehensive benefits and a shorter waiting period.

Curtis Miller Insurance, serving Parkersburg, WV, can help you decide which flood insurance option best meets your needs. Contact our office today to get started.

Why Your Company Should Be Proactive About Employee Injury Prevention

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If you’re the owner of a West Virginia business, you know how essential it is to protect your business assets with commercial insurance. Many business owners have questions about their insurance options. If your business is in the Parkersburg, WV area, our team at Curtis Miller Insurance invites you to discuss your company’s insurance needs. We’ve been working with businesses like yours since 1962.

Be Proactive About Employee Injury Prevention

Your employees are one of your company’s most valuable assets. To protect them, you likely provide health insurance and maintain a solid workers’ compensation program. However, West Virginia businesses may want to take additional proactive steps to prevent employee injuries. This is especially important, as the U.S. Bureau of Labor Statistics reports that West Virginia has the highest number of reported workplace injuries in the nation.

Adopting a culture of injury prevention requires strategic planning, but it can significantly reduce the number of employee injuries. According to Urbint, business owners should interview both field workers and office employees to identify the injuries they perceive as the biggest risks in their roles. Regularly inspecting all safety equipment for efficiency and safe operation is another effective strategy. Additionally, all workers should receive thorough training on the safe operation of equipment and vehicles before using them.

Call Us Today for Your Appointment

Our professional team has been refining our insurance expertise for over 60 years. At Curtis Miller Insurance, we understand that every business is unique, which is why your company needs a customized insurance portfolio. Businesses in the Parkersburg, WV area have come to rely on our team for exceptional customer service. Call us today to schedule an appointment, and let us have the privilege of working with your company.

Will You Need Commercial Insurance For Your Cottage Baking Business?

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Launching a cottage baking business in West Virginia can feel like the perfect blend of creativity and entrepreneurship. Thanks to the state’s cottage food laws, getting started is more accessible than ever before. But while the legal path is straightforward, the question of insurance deserves attention, because home-based doesn’t always mean risk-free, as Curtis Miller Insurance, serving Parkersburg, WV, explains.

What West Virginia Allows

West Virginia law permits the sale of certain non-perishable baked goods made in a home kitchen without requiring a commercial kitchen license. This means you can sell items like cookies, breads, and cakes directly to customers or at local events. However, these laws don’t include automatic protection if something goes wrong.

The Role of Insurance

Even small, home-based food businesses can face serious liability. If a customer claims that one of your products made them ill or caused an allergic reaction, you could be held legally and financially responsible. The state doesn’t require commercial insurance, but it offers valuable protection that can save your business from unexpected claims.

Types of Coverage to Consider

General liability insurance is a smart place to start. It can cover injuries or damages that occur because of your product or during delivery. Product liability insurance offers added protection in case your baked goods cause harm, even unintentionally. Property coverage may also be worth considering if you keep baking tools or inventory at home.

Operating under cottage food laws gives you a head start, but protecting your investment with the right insurance ensures you build on solid ground. Speak with an insurance professional who understands local business needs. With the right coverage through Curtis Miller Insurance, serving Parkersburg, WV, you can focus on what you do best—baking.

How Umbrella Insurance Can Help Protect Your Retirement Savings

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You’ve dedicated significant time and effort to accumulate your retirement savings. Whether you’re approaching retirement or already in it, the last thing you want is an unforeseen lawsuit depleting the funds you’ve spent a lifetime amassing. At Curtis Miller Insurance, we provide insurance solutions throughout the Parkersburg, WV region. We often encounter clients who are unaware of how exposed their assets can be without the additional protection that umbrella insurance offers.

The Unseen Threat to Your Retirement Savings

Standard insurance policies, such as auto or homeowners, do provide liability coverage, but they have their limits. If you’re found liable in a severe accident or lawsuit, those limits might not suffice. Once your base policy reaches its limit, the remaining costs could come out of your pocket, which usually means tapping into savings, including retirement accounts.

Extra Protection When It’s Needed the Most

Umbrella insurance is designed to take effect where other policies cease. It offers an additional layer of liability coverage that can help safeguard your assets from substantial claims or legal judgments. Whether it’s a significant car accident, a slip-and-fall on your property, or a defamation lawsuit, umbrella insurance helps protect your financial future from unforeseen circumstances.

Security for the Future

As you transition into retirement, your financial priorities shift from wealth accumulation to wealth preservation. Umbrella insurance offers a sense of security, knowing that your retirement savings are better protected from life’s unpredictability.

At Curtis Miller Insurance, serving residents in and around the greater Parkersburg, WV area, we’re here to help you protect what you’ve worked so hard to achieve. Let’s discuss how umbrella insurance can fit into your overall plan and keep your future secure. Contact us today to get started.

What Riders Need to Know About Coverage for Theft and Vandalism

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Owning a motorcycle is about more than just transportation—it’s about freedom, adventure, and passion. However, that passion can quickly turn into frustration if your bike is stolen or vandalized. At Curtis Miller Insurance in Parkersburg, WV, we help motorcycle owners understand how their insurance can protect them from these risks.

Motorcycle Insurance and Theft Coverage

Motorcycles are a prime target for thieves due to their size and high resale value. If your bike is stolen, comprehensive motorcycle insurance can help cover the cost of replacing it. Without this coverage, you could be left paying out of pocket for a new motorcycle. It’s important to review your policy to ensure you have the right level of protection, as basic liability insurance won’t cover theft.

Guarding Against Vandalism

Even if your motorcycle isn’t stolen, vandals can still damage it. Scratched paint, broken mirrors, slashed seats, or other intentional damage can be frustrating and costly to fix. Comprehensive coverage also helps with these situations, covering the cost of necessary repairs. Whether your bike is parked at home, on the street, or in a public lot, having the right insurance can save you from unexpected expenses.

Securing Your Ride

While insurance provides financial protection, taking preventive measures can reduce the risk of theft and vandalism. Parking in well-lit areas, using security chains, and installing an alarm system can deter criminals. Even with precautions, having a solid insurance policy ensures you’re covered if the worst happens.

Ensure Adequate Coverage for Your Motorcycle

Knowing your motorcycle is protected, the right insurance policy gives you peace of mind. At Curtis Miller Insurance in Parkersburg, WV, we can help you find coverage that fits your needs. Contact us today to learn more!

Instances That May Require More Life Insurance Coverage

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Your savings, income, family composition, and debts can all influence the amount of life insurance coverage you need. Let’s review some situations that may necessitate adding more life insurance coverage to your existing policy.

Current and Future Savings

Consider your current savings and how much you plan to save in the future. If you have extra money available, you might want to add more coverage to your life insurance policy.

A policy that provides sufficient protection can greatly benefit your loved ones in the event of your untimely passing. The funds can be used to pay existing and future bills that they incur.

Your Personal Income

Assess your income and the possibility of experiencing an income increase in the future. Your income may play a critical role in whether you maintain a term life policy or whole life policy. Any changes in your payment structure could influence your decision to increase your life insurance policy’s coverage.

Family Composition

Consider your family composition. Each family member you are actively supporting can be added to your life insurance policy. If you anticipate changes in your family’s status, you may decide to add more coverage to your life insurance policy.

Current and Future Debts

Examine your current debts. Take into account any debts that you may incur in the future. If you have limited debts or plan on paying down quickly, you may be able to increase the coverage your life insurance policy provides comfortably.

Additional Information Offered Through An Agent

Contact one of our Curtis Miller Insurance agents if you need further assistance. An agent serving Parkersburg, WV, can answer any questions you have about life insurance.

Navigating the Claims Process After a Flood in Parkersburg, WV

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Dealing with a flood can be overwhelming, especially if you’re unprepared or your property is significantly affected by recent rainfall and flooding. Whenever you have a property that has been impacted by a recent flood, knowing how to navigate the claims process can help alleviate worries while allowing you to see a clear path forward. Understanding how to navigate the insurance process after a flood in Parkersburg, WV will help you handle any flood claim you intend to file as effectively as possible.

Safety First

Always ensure you and your household are safe after a flood, as electrical hazards are extremely common. This is important before assessing and documenting damage.

Documentation

It is crucial to document the damage to your property with photos and videos. If possible, list damaged items in an inventory, estimate purchase dates and include the original costs.

Contact Insurance Provider

Work with your insurance provider, such as Curtis Miller Insurance, to begin the initiation of the claims process. Your policy number and a description of the damage can help get the process started much quicker. A meeting with an insurance adjuster may be required to assess the damage. Once the damage has been assessed, you can then work with your agency to complete the claim forms. You may also need to submit your initial inventory list, photos, videos, receipts, and any other documentation you have regarding your property damage.

Because Parkersburg, WV, is known for its flooding due to river overflows and unpredictable heavy rains, protecting your home or place of business with adequate coverage is a must. To learn more about your existing homeowner’s insurance policy or to review and update your flood insurance policy, turn to Curtis Miller Insurance. For your consultation and to streamline the process of navigating the claims process after a flood in Parkersburg, WV, contact Curtis Miller Insurance today.

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