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Leaks, Water Damage, and Mold

According to the Office of the Washington State Insurance Commissioner, water damage is one of the most frequent reasons for a property insurance claim. The same website reports that when and why your property is damaged will make an impact on whether your water damage or mold infestation is covered by your insurance. Although it’s typically easy for property owners to discover a sudden leak, gradual leaks are often overlooked or undiscovered until significant damage has occurred. If a storm makes a hole in your structure, you’ll want to get it repaired as soon as possible.

According to the Office of the Washington State Insurance Commissioner, although excess water buildup may be responsible for mold infestations, a standard property insurance policy will not typically cover mold damage, rust, or rot. In some cases, your insurance may cover those damages if you can show that it was caused by water damage. Some property insurance policies offer limited mold damage coverage. Talk to one of our insurance agents for more information.

Call Us for Your Appointment Today

Property owners can’t predict the future, but they can prepare for it. Our team at the Wenatchee Insurance Agency understands your need to be prepared for any eventuality. Property owners in or near Wenatchee, WA, have discovered that we provide excellent customer service. Call us about your appointment today, and let’s talk about insurance.

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Where to get a 1095 form to file taxes?

Posted on January 12, 2026January 12, 2026 by Matt McColm

1095 form as important for healthcare and we do print them at Wenatchee Insurance

Tax season is almost here and people start looking for their 1095 form. It runs from January 16^th through April 15^th of 2026. If you are receiving your healthcare from the Washington Healthplanfinder, you must file your taxes. It is how the Federal Government double checks if you are receiving all of the help that you are qualified for in the form of Advanced Premium Tax Credits that lower the monthly cost of insurance.

If you receive too much APTC then you will have to repay some or all the excess amount when you file your taxes.

If you receive too little APTC then it will increase your tax refund or lower the amount of taxes that you owe.

There are 3 types of 1095 form

1095-A form is made available usually in the last week of January on the Healthplanfinder and a copy is mailed out. This is for the people who were receiving tax credits that the reduce of the cost of healthcare. In our immediate area in Central Washington if you have Ambetter, Community Health (paid plan) or Lifewise then you will have one of these forms.

If you don’t have a printer and need a copy if you are a client and stop at Wenatchee Insurance on Mission Street, then we can print an additional copy for you.

1095-B form is for the people using Apple Health. It is provided by the Healthcare Authority. It is not mailed out. You can request a form directly from the Healthcare Authority’s page. Form 1095-B is not required when filing taxes.

1095-C form is from employer sponsored health insurance. It is not required for filing taxes.

The 1095-A Form is needed to fill out Form 8962 to reconcile. We saw clients in 2025 that failed to properly file this have problems with their tax credits and recommend filling on time with all forms to prevent the loss of tax credits.

Remember you can adjust your income through the year to better reflect your income so that you don’t have to pay back excess tax credits.

Suzie and Matt have been lending a hand for 13 years in better understanding Health Insurance and if you have questions or just want someone to double check your account it is easy to add a broker of record.

appointment with Suzie