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The Roark Insurance Agency
Learn more about our agency.
The Roark Insurance Agency was established in 2006 and currently operates as a locally owned independent insurance agency. This allows the chance to extend choices in multiple lines of insurance coverage from some of the highest-rated insurance providers in the industry. With our team of experienced insurance professionals, we are focused on sourcing insurance solutions that best fit the needs of each individual client while giving personalized attention and quality customer service.
Experience the difference in being treated like family or friendly neighbor as we work with you to ensure that you and those you care about most are protected. We secure insurance solutions for individuals and businesses throughout Kentucky and Ohio from our three Kentucky offices: Flatwoods, KY, Grayson, KY, and Ashland, KY.
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How can The Roark Insurance Agency help?
We Are Human
We care about helping you protect what you treasure apart from an impersonal online agency experience.
We Are Personable
We enjoy a one-on-one experience to develop not only the perfect policy but a long-lasting relationship.
We Are Experienced
With extensive experience, our agents understand what it takes to secure our clients’ quality protection.
“I couldn’t ask to work with a nicer man. Friendly, open, and committed to helping those in need. Thanks for everything, Brent!”
– Mike T.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Improvements and Alterations
Any improvements, alterations, or additions made to your condominium are subject to damage.
Be sure to obtain coverage for any improvements and alterations made to the unit. This includes, but is not limited to, kitchen cabinets, built-in wall units, wall-to-wall carpeting, wallpaper, paint, bathroom fixtures, tile and wood flooring, and more.
Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.
Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.
Additional Living Expenses
Additional living expenses can be incurred if there is damage to your unit due to a fire, storm, or other event resulting in your need to live at a temporary residence.
Ensure you have the proper coverage in case you need to live elsewhere for a little while. Coverage usually includes hotel bills, restaurant meals, and other living expenses incurred while your residence is being repaired or rebuilt.
Personal and Family Liability
You're responsible if a guest in your unit trips and falls or sustains an injury while on your property or if you cause damage to other units.
Be sure that you have coverage for claims made against you for bodily injury or property damage caused by your negligence, whether intentional or not. This might include damage to other units in the building, perhaps caused by a leaking pipe in your unit or otherwise.
You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.
Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.
If your building owner or association suffers a loss and doesn't have adequate insurance coverage of their own, they may require you to help pay for the loss via an assessment.
Consider loss assessment coverage to protect yourself in the event of an assessment caused either by a property (building) or liability loss. Typical limits range from $5,000 to $50,000.
Physical damage can happen in many ways. As one example, suppose a fire unexpectedly breaks out in the utility closet and consumes the building causing significant damage.
Ensure that your building owner or association carries an all-risk special form to cover the risk of physical damage. Explosion of boilers are typically excluded, so a separate policy must be written to cover that exposure.
Condo Insurance 101
Make sure you cover the unique risks you face with condo insurance.
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The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.