COVID-19 Updates

Following advice from health professionals, and because many of our clients and team members are caring for high-risk family members, we are closing our offices to the public. 

We have invested in technology that will allow our agents to serve you without the need to visit the office. They are ready and able to assist you with any insurance questions or coverage needs.

Our team is available to you by phone or text using our regular phone number 518-392-5161, or you can email your advisor directly. Our general email inbox, [email protected], is also being monitored closely.

Because of the office closures, the follow services are currently being suspended:

  • Walk-in Payments
  • In-Person Signatures of Applications
    • All applications can be completed over DocuSign electronic signature or via email.
  • Returning plates to Department of Motor Vehicle (DMV)

We will resume in-person office appointments when we are advised that it is safe to do so. 

We are sorry for any inconvenience this may cause you.  We hope that all of you are staying healthy and happy.

We will continue to monitor the situation and will communicate any further changes on this page.


Staff Accomplishments

Kami Mena has earned the professional insurance designation Certified Insurance Counselor (CIC). Additionally, Kami completed Cincinnati Insurance’s High Net Worth Producer School.

Amy Clifford has earned the professional insurance designation Certified Insurance Service Representative (CISR).

Ashley Doyle successfully completed The National Alliance for Insurance Education Dynamics of Selling course.

Elizabeth Carroll earned her NYS Property & Casualty License.

Tammy Russell completed the Hudson Valley Marathon in May.

Matthew Wood completed the Ticonderoga Sprint Triathalon in June, finishing 1st in his age group.

Jamie Leader walked in the Boston Marathon Jimmy Fund Walk for the 26th year, in memory of her brother, Jason.

Referrals for Good Causes Raises $11,000 to Date

MetzWood President, Matthew Wood, with Columbia Land Conservancy Executive Director, Peter Paden.
MetzWood President, Matthew Wood, with Columbia Land Conservancy Executive Director, Peter Paden.

To date, you’ve helped us raise over $11,000 for several local non-profit organizations.

For every referral MetzWood receives, we donate $10 to a different local non-profit, which rotates semi-annually. Most recently, we were able to present a check for over $2,000 to the Columbia Land Conservancy. Referrals in the second half of 2019 will help Columbia County Youth Theatre.

Additionally, for every referral you give, you are entered into a monthly drawing for a $100 Visa Cash Card, and a quarterly drawing for a 4K HD TV.

To find out more, and to refer you friend and family, visit

MetzWood Opens Hudson Office

As part of our commitment to serve residents and businesses through Columbia County, MetzWood Insurance has opened an office at One City Centre in Hudson. With a convenient location in downtown Hudson, the MetzWood Team is available to meet by appointment with clients who reside closer to that location.

To celebrate its opening, members of the Chamber and neighboring businesses at One Hudson City Centre joined the MetzWood Management Team in a ribbon cutting ceremony.

Small Leaks, Big Problems

Unnoticed water leaks can be among the most catastrophic causes of household property damage. And water damage is on the rise.

About 1 in 50 homes experiences water damage or frozen pipes each year, according to insurance data aggregator ISO. Currently water damage accounts for almost 50% property damage losses, up from about 25% in 2011.

Examples of Damage Caused by Leaks

stylized graphic of a flooded house

A pipe with a leak 1/32” wide, about the thickness of a dime, will produce 264 gallons/day. That’s enough to fill an 8-foot-square room with 6” water.

stylized graphic of a bathtub/shower unit with water coming out of the showerhead and falling into the tub

If you’re gone for two weeks on vacation and your ice maker leaks at the rate of 1 drip per second, it will produce 115 gallons of water. That’s enough to fill 1.5 bathtubs.

Consider a Leak Defense System

One way to prevent or limit the likelihood of water damage in your home, consider installing a Leak Defense System.

There are a number of manufacturers who make these devices. They can range from providing a simple alert, to automatically shutting off the flow of water in your home if a leak is detected.

We think these devices are a smart solution for all homeowners, but would recommend it even more to individuals who own a secondary home.

Available Systems

There are many systems available on the market currently, and it seems that new solutions are being developed regularly. MetzWood Insurance has not tested the effectiveness or features of all of these systems, but here is a list of endorsed systems from some of our insurance carriers:

We recommend that you speak with a qualified plumbing company to help determine the best solution for you and your home. Before purchasing a system, you will also want to consider things like access to and availability of power outlets near your water main, and making sure you can get a strong Wi-Fi signal to that area.

You may qualify for a discount on your policy for installing one of these devices. Call or text (518) 392-5161, or email your advisor to find out more.

Welcome, New Hires

Sally Lappies is our new Front Desk Receptionist and Director of First Impressions. Prior to MW, Sally worked at a local attorney’s office.

Elizabeth Carroll comes to us from a career at Kinderhook Bank, working in their lending department. She joins our team as a Commercial Insurance Service Assistant.

Susan Tuttle joins MetzWood as a Personal Insurance Advisor. Previously, Susan worked for First Niagara Insurance Services and The Bostwick Group.

MetzWood Earns Industry Best Practices Designation

Big "I" Best Practices Agency 2019

MetzWood Insurance has been recognized as one of the Leading Insurance Agencies in the United States as signified in The Best Practices Study performed by the Independent Insurance Agents & Brokers of America (IIABA).

The purpose of The Best Practices Study is to compile the operating statistics of the country’s leading agents and brokers.  To achieve this objective, agencies included in the annual study must first be nominated for participation by an insurance carrier or an IIABA state affiliated association.

There were 1,300 top agencies from around the country that were nominated in six revenue categories.  Of those 1,300, only 267 agencies scored high enough to qualify for inclusion!

Participation in The Best Practices Study has become a prestigious recognition of the superior accomplishments of the top insurance agencies in each of the revenue size categories studied. 

Our inclusion among these 267 outstanding agents and brokers clearly recognizes us as an industry leader, and is a testiment to our hardworking staff and management.

Congrats, Theresa


After over 18 years with MetzWood, Theresa Steeneck will be retiring on December 13th. While we will be sad to see her go, we are excited for Theresa to start her retirement and enjoy her life after insurance!

Taking over from Theresa will be Susan Tuttle. Susan comes to MetzWood with a wealth of experience working in the insurance industry for over 30 years, most recently with First Niagara.

We’re Now Available By Text Message

In an effort to make it even easier to communicate with our agency, you can now send text messages directly to MetzWood Insurance.

We know that you might not have time for a phone call, so we are making it simple to resolve your insurance questions.

Send your message to (518) 392-5161 and we will get back to you promptly during business hours.

Give it try and say hello!

Coverage Corner: Lesser Known Exclusions to Most Home Policies

Insurance policies are designed to offer coverage for most of the situations that might cause loss for the average Insured property owner. However they do not cover “everything.” There are exclusions.

In most Home Policies, the two most common exclusions are for floods and earthquakes.

Two less known exclusions are:

  • For any damage caused to any outbuildings if that building is used for any business purposes
  • For lawsuits that result from the operation of any business at your home.

The good news is that most of the perils and situations that are excluded can be covered by adding specific endorsement’s to your policy or by buying a separate policy.

Please call us at to discuss ways to identify and protect your special needs.