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FINGER LAKES FIRE & CASUALTY
6905 Route 227
P.O. Box 550
Trumansburg, New York 14886


607.387.6800
607.387.9314 (fax)
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Ordinance & Law.....
October 13, 2017

What is Ordinance & Law Coverage? 

With building codes continually changing, Ordinance and Law Coverage, is an important endorsement that covers the additional costs to repair damage or replace a building in the event of a covered claim.  Older structures may need upgraded electrical; heating, HVAC; and plumbing units based on city codes.

After a severe property loss, the first shock comes in learning that rebuilding a damaged structure so that it conforms to the latest building codes can add 50% or more to your recovery costs.  Then comes the unpleasant surprise of learning that the required upgraded building code costs are specifically excluded. 

Standard property forms provide coverage for the indemnification of the actual physical structure and returning the building to the condition it was prior to the loss from a covered peril.  But, NOT the increased cost of rebuilding, repair or remodeling due to local, state and federal building codes.

Contact your Local Independent Agent to find out how you can get coverage.


Categories: Enhanced Coverages, Products,
Equifax Data Breach Protection Tips
September 29, 2017

Equifax, one of the three major consumer credit reporting agencies disclosed that hackers compromised Social Security and driver’s license numbers as well as names, birthdates, addresses and some credit cards on more than 143 million Americans. If you have a credit profile, you were probably affected.

Credit reporting companies collect and sell vast troves of consumer data from your buying habits to your credit worthiness, making this quite possibly the most destructive data security breach in history. By hacking Equifax, the criminals were able to get all of your personally identifying information in a one-stop shop. This is the third major cybersecurity breach at Equifax since 2015, demonstrating that they continue to place profits over consumer protection. Ultimately, their negligence will erode their margins, their credibility and their position as one of the big three.

But that isn’t your concern – your concern is protecting yourself and your family from the abuse of that stolen information that will happen over the next 3 years. (Source - Sileo)

Finger Lakes offers enhancement endorsements to provide you with the best coverage for ID Theft. Contact your Agent for further details.


Categories: Enhanced Coverages, ID Theft, Products, Scams,
Keep Bites at Bay...
August 15, 2017

There are several ways to prevent your dog from biting:    

  • Keep your dog away from people and circumstances that stress or frighten him; keep him in a separate room or fenced yard if the situation calls for it.
  • If your dog is possessive/aggressive around food, feed her away from other pets and people.
  • Don't send mixed messages. Some people want aggressive guard dogs at home, but if you teach your dog that all outsiders are potential threats, don't be surprised when he bites someone-even someone totally harmless.
  • Break your dog of a biting habits. Even a dog that likes to bite "playfully" can be misconstrued as vicious by the recipient of a harmless nip, so it's smart to stop all kinds of biting.
  • Give dogs plenty of love and positive reinforcement when they engage in gentle behaviors that you like.

Categories: Liability, Safety,
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