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Portland, Maine is a hotbed of green living. Maybe its our proximity to the sea and mountains. Or\u00a0the people we attract from around the USA and the world. Whatever the reason, many Portlanders care about the environment, and make lifestyle choices accordingly.<\/p>\n
Our farm-to-table game is strong.<\/a>\u00a0The cool kids here buy local, with\u00a0Portland Buy Local<\/a> and South Portland Cape Elizabeth Buy Local<\/a>\u00a0leading the charge. The cities of Portland and South Portland are converting landfills to solar farms<\/a>. We have an award-winning private community composting service, Garbage to Garden<\/a>. We even discuss green living over beer at Portland Greendrinks.<\/a><\/p>\n It’s only natural that many locals choose to repair or replace any damage to their home with “green” materials and technology. Now, they may be able to get help from their insurance companies. “Off the shelf” home or condo insurance\u00a0won’t pay to replace your old oil boiler with super-efficient heat pumps. Or replace your water heater with a solar setup after a fire. Fortunately, Noyes Hall & Allen Insurance represents \u00a0insurance companies that will.<\/p>\n Traditional homeowners or condo insurance is designed to put you in the same condition after a loss that you were before (“indemnity”, in legalese). Your insurance company promises to replace the items you lost with “like kind and quality”. If your home had\u00a0green materials, the insurance company will replace\u00a0them. If you didn’t have them before, you can upgrade at your own additional cost.<\/p>\n Say your home had traditional materials and technology, and you suffered a fire. You want to replace what you lost with greener options, like bamboo flooring, solar and geothermal heating, low-VOC paints, and high efficiency insulation. Some of these\u00a0may save money in the long run, but\u00a0initially cost more than their traditional counterparts. Basic insurance policies only pay to replace what you lost with “like kind and quality”. But there are options.<\/p>\n In response to customer demand, Concord Group<\/a> and Travelers<\/a>, have introduced “green home insurance endorsements”. These provide an additional amount of coverage to replace with environmentally-friendly, non-toxic or energy efficient options. Usually, there is a maximum amount of additional coverage as well.<\/p>\n These endorsements are inexpensive – often $2-3 a month.\u00a0<\/strong><\/p>\n We can help. For Greater Portland Maine home, condo or vacation home\u00a0insurance, contact Noyes Hall & Allen at 207-799-5541. Because we’re a locally-owned Trusted Choice Independent Insurance agency, we offer choice among many insurance companies.<\/p>\n We’ll help you find the best value for your individual circumstance. Of course, we also offer Maine auto, motorcycle and boat insurance<\/a> and insurance for Maine businesses<\/a> as well. We’re always happy to answer your insurance questions.<\/p>\nGoing Beyond\u00a0What You Lost<\/h2>\n
Upgrade to Green Materials After Your Home is Damaged<\/h2>\n
Two Insurers that Pay for Green Upgrades<\/h2>\n
Would You Choose to Rebuild or Repair “Green”?<\/h2>\n