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.

Congratulations on Your Recent Accomplishments

Derick LaTorre 

Derick LaTorre
Derick LaTorre

Derick LaTorre has earned the professional insurance designation Certified Personal Risk Manager (CPRM). The CPRM designation conveys an in-depth understanding of the complex personal risks faced by affluent individuals and families. The designation was earned through successful completion of five courses and examinations.

Matthew Wood 

Matthew Wood

Matthew Wood has earned the professional insurance designation Chartered Property Casualty Underwriter (CPCU). CPCUs are considered to be property-casualty insurance subject matter experts. All CPCUs are required to complete eight rigorous courses and examinations, and also meet both ethics and experience requirements.

Wishing Kelly the Best!

Kelly Mackerer

After 35 years with MetzWood Insurance, Kelly Mackerer will be leaving to pursue an opportunity with PS21. While we are sad to see her go, we are appreciative of all of her years of service and wish her the best in her new career.

Announcing the Opening of Our New Hudson Satellite Office

As part of our commitment to serve businesses and residents throughout Columbia County, we are pleased to announce the opening of our satellite office in Hudson, NY.

Located at One City Centre, this office is conveniently situated in the heart of downtown Hudson. Our team is available to meet with current and prospective clients that are closer to that location.

With our main office at 11 Central Square in Chatham and another satellite office in Kinderhook, MetzWood’s services truly span all of Columbia County and beyond!

Hudson, NY Office
1 Hudson City Centre
Hudson, NY 12534
(518) 392-5161
By appointment

MetzWood Raises $5,000 in Hudson Polar Plunge

Seven brave individuals from MetzWood participated in the 2019 Hudson Polar Plunge. The event, organized by the Friends of Hudson Youth, took place Saturday, February 23 in the icy cold waters of Hudson’s Oakdale Lake. More than $18,000 in total was raised and all the proceeds will go directly to the City of Hudson Fire Department Water Rescue and Dive Team and the Hudson Youth Department.

Pictured from L-R are Ashley Doyle, Matthew Wood, Kami Mena, Tammy Russell, and Derick LaTorre (not pictured Tracy Ruggiero and Jamie Leader).

Freezin’ for a Reason

Team MetzWood Insurance won the Plunger award for “Top Team Fund Raisers,” generating over $5,000! Way to go Ashley Doyle, Matthew Wood, Kami Mena, Tammy Russell, Derick LaTorre, Tracy Ruggiero and Jamie Leader!

New Coverage Options:
Equipment Breakdown and Service Line Coverage

Abstract illustration of a virtual web shield on touchscreen

Insurance Companies are finding new innovative coverages to reduce the likelihood that you suffer a financial hardship in the event of an unfortunate occurrence.

Two of these new coverages that may be available on your Home Insurance are Equipment Breakdown and Service Line Coverage.

Equipment Breakdown

This coverage provides protection for your home systems and equipment should they fail. Most homeowners would think that their warranties or service contracts would cover a loss like this, but chances are it’s not covered.

Systems and equipment that would be covered include your furnace, boiler, air conditioning, home theater systems, kitchen appliances, and others.

Service Line Coverage

Typical Home Insurance policies do not provide coverage for repairing or replacing damaged underground piping and wiring.

Some examples include water service, sewer, or electrical power lines. This can be a common and costly exclusion, and many companies now offer a coverage extension.

Both of these coverages are quite inexpensive – costing less than $50 in most cases. Many customers have already added these enhancements to their insurance plan.

Please call us at (518) 392-5161 or email your advisor today to add these smart coverage enhancements.

Thank You, Jeff, and Happy Retirement!

portrait of Jeff KnightAfter over 25 years at MetzWood, Partner and Financial Services Manager, Jeff Knight, started his retirement on September 21st.

Jeff joined MetzWood in 1993 after 11 years prior experience in the insurance industry, and became a Partner in 1995. As a dedicated insurance professional Jeff earned the designations of Certified Insurance Counselor (CIC), Chartered Life Underwriter (CLU), and Chartered Financial Consultant (ChFC).

MetzWood has been fortunate to have had Jeff as a dedicated team member for these past many years. With sincerest gratitude for his service, we wish Jeff and his wife, Donna, all the best in retirement.

MetzWood Named Top Agency in the Capital Region

MetzWood has been named one of the Top 10 Insurance Agencies in the Capital Region by the Albany Business Review. We were the only agency in Columbia County to make this prestigious list.

The list is compiled based on total insurance premium volume. Had the list been compiled based on total number of policies, we would have been in the Top 5!

Thank you to our customers and employees who make this all possible! We are thrilled to be included in this list, and to be able to give back to the communities we serve.

MetzWood Welcomes Two New Hires

Ashley DoyleAshley Doyle

Ashley comes to us from a career at Tierra Farm. She worked as both a Regional Account Manager and Customer Service Manager.

At MetzWood, Ashley will be working primarily in a Personal Insurance Inside Sales role.

Patricia RobertoPatricia Roberto

Patricia joins MetzWood Insurance as a Commercial Account Executive.

Prior to MetzWood, Patricia worked at NBT Mang Agency in Delaware County, and Jamison Insurance Group in New York City.

Frequently Asked Question: Who Is Responsible for Tree Trouble?

Questions and AnswersWe often receive variations of the question below regarding damage caused by neighboring trees.

Question: There is a tree in my neighbor’s property that is overhanging our fence. If the tree caused damage to the fence, whose Homeowners Insurance would pay?

Answer: Your Homeowners Insurance would pay for the damage to your fence. This means you would be responsible for the deductible and subject to the “Other Structures” limit in the policy. The exception is only if your neighbor was negligent in maintaining the tree, which is often difficult to prove after the fact.

If you have questions about how your policy would respond, please contact your MetzWood Advisor.