Messer Financial Group - P&C Division

Safe driving East Coast!

???? Stay safe this holiday season! From checking your lights to keeping decorations away from heat, small steps can make a big difference! ?????Insurance Commissioner Mike Causey has put together some helpful fire safety tips to keep your home and family protected: https://lnkd.in/ewyciXxE

Warm wishes to all our friends, family, clients and colleagues this Thanksgiving. Have a safe & Happy Thanksgiving!

Happy 249th birthday to the Marine Corps! Messer Financial Group would like to honor the brave Marines who have served and those who are serving now. We are so thankful for your dedication and service! ??

With the Centers for Medicare & Medicaid Services working to combat the reported rise in fraudulent enrollment activity, it's important that agents like you equip yourself with knowledge on how to identify and prevent health insurance fraud. Check out 5 tips and tricks you can employ to prevent fraud and protect your hard-earned commissions!

We hope all those affected by Hurricane Helene are safe and secure.

FEMA has declared Individual Assistance (IA) for Hurricane Helene. What does this mean for you? It means that you can apply for disaster assistance from FEMA to help offset your disaster-related expenses. You can apply online at https://lnkd.in/edviqCW or by telephone at (800) 621-3362. Otherwise, you can download the FEMA weather app from Google PlayStore or the Apple Store and you can apply for assistance on the app and upload receipts. Whichever method you choose, the form has a few questions that are tricky. To avoid delay, please follow the following tips: 1. One of the questions that FEMA will ask when you register is “Do You Have Emergency Needs”? This means during your evacuation or since staying at home during the disaster, do you need help with Gas, Medication, Food (meals, water, had no power and everything spoils), Shelter (you are staying with friends, family or in a hotel); Clothing; or Durable Medical Equipment (oxygen, walkers, cane, glasses, all major equipment, etc). If this is true, say “YES” to this question. That will result in your receiving Displacement / Critical Needs Assistance, which is $750. 2. When asked if your home is/was accessible, answer "NO" if there was debris, tree branches, continued flooding, loss of power, damage or destruction that prevented you from staying there after Helene. This question is asking whether you can stay at your home or apartment and will trigger the ability for you to receive assistance to pay for hotels or provide funding to use while you stay with family or friends. 3. When asked if utilities are out, say "YES" even if your utilities were out for a few days. This triggers assistance $ to stay somewhere other than your home or to buy fuel to power a generator. 4. When asked “Are you willing to relocate” say "YES" if you cannot live in your home due to damage, loss of power, etc. This question means you are willing to stay in a hotel or apartment temporarily, and triggers that funding for you. It is not asking if you are willing to move away from your home permanently. 5. If you bought or buy a generator, FEMA will reimburse you up to $629, but you must submit the receipt. If you bought a chainsaw, FEMA will reimburse you up to $219. Again, you need to provide the receipt. Save your receipts.

Helene will ramp up in NC tonight and tomorrow morning with the potential for heavy rain, flooding, hurricane-force winds, and tornado threats. Please be safe and monitor weather alerts. Do not try to drive or walk through flooded areas. For information on what to do before, during, and after a storm, visit: https://lnkd.in/gj7Xf9-J

Hurricane #Helene is tracking towards us with a high chance of heavy rainfall throughout NC this week. Insurance Commissioner Mike Causey reminds everyone to take steps now to prepare for flooding before it happens! Before the storm arrives, do these 3 things: ?Create an emergency kit. ?Make a home inventory. ?Review insurance policies. Remember, flood insurance is not included in most homeowners' policies. For more information on what to do before, during, and after the storm, visit: ncdoi.gov/disaster