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Ryan Hayes Insurance Brokerage Blog

View the latest blog posts from Ryan Hayes Insurance Brokerage.

If you live in a flood zone, we recommend that you have flood insurance.  However, did you know that even if you do not live in a flood zone you might need flood insurance?  According to Flood Smart, 20% of flood claims come from low risk areas.

Flood Insurance Facts

Homes and businesses with mortgages from federally regulated or insured lenders in high-risk flood areas are required to have flood insurance.

Deductibles apply separately to buildings and contents.

Your standard homeowner’s insurance excludes floods.

You need to buy flood insurance through a licensed agent.

Flood insurance does not cover trees, landscaping, or fences.

Coverage is limited in basements regardless of zone or date of construction.

Flood Insurance Myths

“Once a flood occurs I can get coverage.”

Normally, there is a 30-day waiting period for coverage.


“I don’t live next to water, so I do not need flood insurance.”

You may live miles away from water and still have a flood risk.  Anyone can buy flood insurance as long as your community participates in NFIP.


“Sewer back up is considered a flood.”

Sewer backup is not defined as a flood.


You can’t buy flood insurance if your property was flooded before.”

People are eligible to buy flood insurance after a flood, as long as the community participates in NFIP.

When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not federally declared. Flood insurance means you'll be reimbursed for all your covered losses, and unlike Federal aid, it never has to be repaid.

In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.

Call our professional staff today for more information. Don’t wait until you’re knee deep in water!

Worthington Insurance specializing in competitive auto, home, contractor and business insurance as well as insurance in Philadelphia, Yardley, Morrisville, Langhorne, Newtown, Bensalem, Levittown, Bucks County and surrounding areas in Pennsylvania and New Jersey.

Get a flood quote now

Posted 9:34 AM

The weather has changed. Over the next number of months we will all be experiencing winter’s wrath. Now is the time to get your home, auto, RV, and boats ready for winter. Remember, we can help you with all your personal insurance needs.

Winter Checklist

  • Get your furnace serviced if needed. Turn on your furnace to make sure everything is working properly.
  • Clean your fireplace if necessary.
  • Check windows and doors for drafts and efficiency.
  • Make sure your RV is winterized. Here is some good information.
  • Check your inventory to verify that you have extra supplies like water, flashlights, food and candles on hand.
  • Purge all sprinkler system lines of water with an air compressor to prevent freezing and bursting.
  • Ice and snow can weigh down branches, so be sure to remove any that are hanging too close to the house.
  • Invest in a home energy audit.
  • Put a clean filter in your furnace.
  • Replace batteries in smoke detectors.
  • If you have any ceiling fans inside your home, know the rules; counter-clockwise rotation produces cooling breezes and clockwise rotation produces warmer air.

Let us provide you with an insurance check-up to make sure you have the best possible coverage.  We have access to a number of different markets and can save you even more if you combine your home insurance and auto together

Worthington Insurance specializing in competitive auto, home, contractor and business insurance as well as insurance in Philadelphia, Yardley, Morrisville, Langhorne, Newtown, Bensalem, Levittown, Bucks County and surrounding areas in Pennsylvania and New Jersey

Posted 9:34 AM

The past few months have been very cold for our community, and that means higher than normal heating bills. Many people turn to wood as a source of heat. If you use a fireplace or wood stove to heat your home, there are a few safety risks of which to be aware.

Let us provide you with an insurance check-up to make sure you have the best possible coverage.  We have access to a number of different markets and can save you even more if you combine your home insurance and auto together.

To help you avoid the risk of a chimney fire, here are ten tips for wood-burning fireplace maintenance courtesy of the DIY Network:

  • Have your wood burning fireplace inspected and cleaned by a professional chimney sweep at least once a year and more often if creosote builds up on the chimney walls rapidly.  Depending on where you live, this can cost anywhere from $100 to $200.
  • Between professional inspections and cleanings, monitor your wood burning fireplace for signs of buildup or other problems.
  • Your chimney has a cap with open sides usually covered with mesh to keep rain, birds, squirrels, other animals, and debris from entering the chimney. The cap should be inspected regularly and replaced when necessary.
  • Check the interior of your wood burning fireplace’s chimney for creosote buildup.
  • Also watch for soot buildup in the chimney of your wood burning fireplace. Soot is softer than creosote, flammable, and should be cleaned out of the chimney regularly.
  • If possible, burn hardwoods like maple, oak, ash, and birch. The advantages of hardwoods are that they burn hot and long, have less pitch and sap, and tend to cause less creosote buildup. On the other hand, they generally are more expensive than softwoods.
  • Anytime there is smoke indoors from your wood burning fireplace, troubleshoot and immediately correct any problems that you find. Possible causes of smoke are a dirty chimney with creosote or soot buildup, other debris in the chimney, a damper that isn’t open or is only partly open, or wood that is not burning completely.
  • To ensure wood burning fireplace safety, consider installing a stainless steel liner that will withstand even the highest temperatures and will keep the fire and its embers contained.

Finally it is also a good time to have review of your home and auto insurance policies. Call us today and let us provide a free quote. Worthington Insurance specializing in competitive auto, home, contractor and business insurance as well as insurance in Philadelphia, Yardley, Morrisville, Langhorne, Newtown, Bensalem, Levittown, Bucks County and surrounding areas in Pennsylvania and New Jersey


Posted 9:33 AM

It seems like you can’t get through a TV show or read a magazine without seeing an auto insurance ad. Big insurance companies spend billions to get your business. But are they really giving you the best coverage designed specifically for you?

Here are a few auto insurance myths we have seen, that you need to know about:

Myth - Buying online is better. Would you go to a web page to diagnose your illness and then select from a drop down list for your treatment? That is what on-line insurance buying is like. Call an independent agent so we can help design the right combination on coverage and price. We have access to multiple markets, not just one. Cheap insurance seems great until you have a loss.

Myth - Bright colored cars cost more to insure. Wrong. Premiums are based on the type of vehicle you have, it’s value, where you live and other factors.

Myth - One ticket or accident will cause my company to cancel my insurance.  Most insurance companies do not penalize you this way. They are more concerned with patterns of driving.

Myth - Older drivers pay more. This is not true. Many of our companies give discounts to older drivers.

Myth - The TV commercial said it was covered.  All claims are subject to your individual policy terms and conditions. That is why an independent agent is important. We can provide information about what is covered and what is not.

Myth - Mexico? No problem. If you travel to Mexico we recommend special Mexico coverage.

Myth - If I get hit by someone else, the other party will pay. That is true if they have insurance. Even though many states have mandatory auto insurance requirements, almost one fifth of all drivers don’t’ have insurance. And if you don’t have the right coverage you will not be covered.

Call us today to get more information about your auto insurance. Over the past 26 years, Worthington Insurance, Inc has been a part of its vibrant tight knit Yardley community. Worthington has shared in the joys of participating in various festivals and parades and the sorrow, along with our neighbors and clients, of flooding in our low lying location along the canal. In the end though, everyone at Worthington is truly enamored with the good citizens of Yardley and with the long tradition of service and honor conveyed by our historically significant location.

We provide insurance services to businesses and individuals throughout the and New Jersey.


Posted 9:32 AM

Are you concerned about the future?  Is your risk management program designed and prepared for changes in pricing, economic downturns, healthcare, changes in employment laws and upcoming political elections?  A broker or agent who cares about your business will be on the forefront of change.  Part of providing outstanding customer service is helping clients understand how current and future trends may affect their risk program.

Every so often, we think it is a good idea to talk about what may be happening regarding insurance and risk management.  We review many different insurance publications, insurance company bulletins, and other professional’s opinions, to analyze these trends.  This allows customers to make educated and informed decisions about their individual programs.

What Is Going on That May Impact Your Risk Program

1.      Increased reliance on technology will lead to better-run insurers and stable premiums.  The development of advanced loss control analytic tools will revitalize insurers focus on claim reduction, and potentially lead to increased investments in loss control.  Insurers are using business intelligence to leverage “big data” to help them estimate claims, assets, credit and market data, and gain deeper insights across networks of producers, policyholders, and operations.

2.      Mobile applications are one of the fastest growing areas of insurance. Businesses are able to manage risk programs through technology.

3.      Cyber liability will continue to be a major area of concern for all businesses. The government will continue to require businesses to protect customer’s information.  Those businesses that do not will be subject to increased fines.

4.      Most insurance companies are moving toward using data to develop commercial insurance premiums. This means your business will need to rely more on your agent. Your agent will be able to help you navigate through the complex maze of insurance program design, marketing, and placement.

We maintain relationships with underwriters who are specialists in the commercial property insurance arena, and we consistently monitor the marketplace for new and innovative underwriters. We will evaluate your specific business needs and make personalized recommendations for your business.


Posted 10:08 AM

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