A Little Spooky. A Lot to Protect.

October has arrived in the Poconos! The leaves are changing, temperatures are dropping, pumpkins are appearing on front porches, and Halloween will be here before we know it.

While we love all the fun that comes with October, this is also a great month to think about something that doesn't have to be scary:

Protecting the people, property and future that matter most to you.

From keeping trick-or-treaters safe to understanding flood insurance, preparing your home for colder weather and planning for your financial future, the team at FRM Group Insurance and Financial Services

is here to help.

So grab that pumpkin spice coffee and settle in. We've packed this month's newsletter with helpful information, community happenings and a little Halloween spirit.

Here's something many homeowners don't realize:

A STANDARD HOMEOWNERS INSURANCE POLICY TYPICALLY DOES NOT COVER FLOOD DAMAGE.

Flooding isn't limited to homes located next to rivers or streams.

Heavy rainfall, rapidly melting snow, overwhelmed drainage systems, runoff, changing landscapes and severe storms can all contribute to flooding.

And even a relatively small amount of water entering your home can result in significant damage.

WHAT CAN FLOOD INSURANCE HELP PROTECT?

Depending on the policy and coverage selected, flood insurance can provide protection for the building, including items such as:

✔ Foundation and structural components

✔ Electrical and plumbing systems

✔ Furnaces and water heaters

✔ Permanently installed carpeting

✔ Built-in appliances

✔ Certain permanently installed fixtures

Separate contents coverage may help protect personal belongings such as:

✔ Furniture

✔ Clothing

✔ Electronics

✔ Certain appliances

✔ Other covered household belongings

Coverage, exclusions, deductibles and limits vary by policy and carrier.

“BUT I'M NOT IN A HIGH-RISK FLOOD ZONE.”

That's one of the most important conversations to have with your insurance agent.

Living outside a designated high-risk flood area does not mean your property has zero flood risk.

Flood maps are an important tool, but weather, drainage, construction and development can change how water moves through an area.

DON'T ASK ONLY:

“Am I required to have flood insurance?”

Also ask:

“What would happen financially if my

home flooded and I didn't have flood coverage?”

That's a very different question.

Contact FRM Group and Financial Services for details.

FRM IN THE COMMUNITY

October Is Packed With Reasons to Come Together!

One of our favorite parts of serving the Poconos is

being part of the community beyond the walls of our offices.

🌾OCTOBER 1

SALVATION ARMY 11TH ANNUAL HARVEST FESTIVAL

What better way to welcome October than by supporting an organization that does so much for individuals and families in our community?

FRM Group is proud to support the Salvation Army's 11th Annual Harvest Festival on October 1.

It's a wonderful opportunity to gather together while helping support the important work the Salvation Army provides throughout our area.

🙏 OCTOBER 9

31ST ANNUAL POCONO PRAYER BREAKFAST

FRM Group is honored to support the 31st Annual Pocono Prayer Breakfast on October 9. This longstanding community tradition brings people together for a morning centered around faith, fellowship, encouragement and our shared community.

We're proud to be part of an event that has continued bringing people together in the Poconos for more than three decades.

🚚🍔 OCTOBER 10–11

POCONO FOOD TRUCK FESTIVAL

Shawnee Mountain

Bring your appetite! The Pocono Food Truck Festival at Shawnee Mountain returns October 10–11, bringing together food, fall fun and the beautiful scenery of the Pocono Mountains. It's a great opportunity to get outside, enjoy the season, discover some fantastic food and support the people and businesses that make our region special. FRM Group is excited to support another great Pocono community event.

💙 OCTOBER 22

CFMC 3RD ANNUAL GATHERING FOR GOOD

FRM Group is proud to support the 3rd Annual Gathering for Good on October 22. This special event is all about what makes our community strong people coming together to create positive change and support the organizations working to make the Poconos an even better place to live, work and call home. We're honored to be part of it.

BECAUSE COMMUNITY MATTERS.

Insurance and financial services may be what we do, but the Poconos are home. Supporting the organizations, businesses, nonprofits and people who strengthen our community is something we're proud to do throughout the year.

BEFORE THE TEMPERATURE DROPS...

Give Your Insurance a Fall Checkup

We're heading toward the final months of 2026, making October a great time to check in on your insurance and financial plans.

Ask yourself:

🏡 HOME: Have you renovated, remodeled or made significant improvements this year?

🚗 AUTO: Have you added a vehicle or driver?

💼 BUSINESS: Has your business added employees, equipment, services or locations?

🌊 FLOOD: Do you know whether you currently have flood coverage?

❤️ LIFE: Have there been changes to your family, income or financial responsibilities?

💰 FINANCIAL PLANNING: Are you making progress toward the goals you set for 2026?

🌅 RETIREMENT: Is your current strategy aligned with the retirement you're working toward?

If something has changed, your coverage or

financial strategy may need to change with it.

FRM Group Insurance and Financial Services

1286 N Ninth Street, Stroudsburg , PA 18360

One Bethlehem Plaza Suite 902, Bethlehem, PA 18018

445 Coal St, Lehighton, PA 18235