Insurance Blog

Based on what National Flood Insurance has learned over the years, we know that floods can happen anywhere in the United States.


Picture credit: FEMA


A question we commonly get asked is,


“Do I need flood insurance?” The simple answer is, Yes.

In fact, 25% of all flood insurance claims come from moderate- to low-risk areas. This means you don't have to live in a high-risk zone to be affected.

Getting a flood insurance quote is easy and having flood insurance means you’re covered if groundwater rises and floods your home – something that isn't usually covered by general homeowner insurance policies.


General Facts About

Flooding and Flood Insurance

Wherever it rains, a flood can happen and

it’s not just surrounding water that makes

certain states flood-prone.


Flooding is a year-round, coast-to-coast threat to the United States

as geography, seasonal weather, and human activity all play

a key role. Flooding generally occurs when there is continuous

rain over several days, when severe rain occurs over a short

period of time, or when ice melt or a debris jam causes

a river to overflow in its surrounding area.

Flooding isn’t, however, all-natural.


Flooding can also result from the failure of manmade

water control structures such as a levee or dam failure.

However, the most common cause of flooding, especially

in high-risk states such as Florida, Texas, Louisiana,

North Carolina, and other coastal locations, is from rain

and/or snowmelt that accumulates faster than

grounds can absorb it or rivers can carry it away.


These facts and more information found here: National Flood Insurance


3 Questions to Ask When Buying Life Insurance





Life insurance is one of the most important gifts that you can give your loved ones. The amount of life insurance that you want depends on different factors in your life. 

What are your current financial obligations such as debts and childcare and mortgage? 

What will be the future needs of your family? Answering these questions will help you narrow down some insurance options for your family. 


You can use this online calculator to determine how much life insurance you need:

Which do I buy?

There are two basic categories of life insurance to choose from. There is term or permanent life insurance. Term insurance can be a good fit for younger individuals and families, who need protection against the loss of income of a primary earner for a stated period of time, at an affordable cost. Permanent insurance accumulates a cash value, and the policy owner may be able to borrow against it tax-free or use it for retirement or other goals (like education). Premiums are initially higher than for term coverage.

What Is Cash Value Life Insurance?

Permanent Life Insurance 101


If you purchase a permanent life insurance policy, you will need to choose which type of permanent life insurance is best for you. There are four types of permanent policies that typically offer built-in savings called “cash value.” The policies vary in how the cash value is invested and whether it will affect the policy’s benefits or premium payments: 




Variable Universal 

Indexed Universal






Goods for the Bahamians!


We are happy to announce that the Hardy Family has organized an effort to send much-needed supplies to the Islands of the Bahamas that were recently devastated by Hurricane Dorian. Drop off is at our office, The Roe Agency at 5644 Tavilla Cir #107, Naples, FL 34110 Below is a list of items that are needed at this time and can be dropped off at our office. The Hardy family will continue to get more information from locals and the Bahamas Chamber of Commerce and we will update you here.

God bless our great South West Florida for your help and thank you for praying with us for the Bahamas and the rest of our coastal states in the path of Hurricane Dorian.


(Also: If you would rather donate funds to cover the cost of shipping the container, please visit our Go Fund Me page at Naples Organizing Bahamas Support.

Another way to get involved is to purchase from our Amazon Wish List and ship directly to the storage site that will collect donations before loading the container.

For more information, please visit our Facebook Page - Naples Organizing Bahamas Support and follow us on Instagram @bahamasstrong.)

-High protein Non-perishable items with

pull back lids (beans, canned meats, nuts,


-Canned soups and pastas

-Pre-cooked Rice Packages

-Baby items (diapers, wipes)

-MRE (meals ready to eat that can be

purchased on Amazon)



-Water filtration systems

-Electrolytes -First aid kids -Imodium -

Non-electric radios

-Walkie talkies with batteries to fit

-Marine radios

-Toilet paper




-Chain saws

-Socks (new)

-Underwear for all ages (new)

-Solar phone chargers

-Solar lights



-Shelf stable milk




-Portable stoves and butane containers

-Liquid baby formula




-Large plastic bins with tops