Preparing and protecting your home for winter is vital. There are many things to take into account: from a frozen water pipe bursting and flooding your basement to an ice dam in your gutter causing water to seep into and saturate an interior wall. Beyond the inconvenience and discomfort of extremely cold weather, severe weather […]
Is Your Home At Real Risk Of Flooding?
Risk is defined as a combination of probability and consequence. If the likelihood of a significant flood is high and the consequences are severe, we say it is a “high” risk, as when a flood causes many victims and properties suffer from considerable damage. If the probability of a flood is low and the consequences […]
What Is The ‘100-Year Flood’ All About?
Some people say they are not located in a 100-year flood zone because their property hasn’t flooded in 100. Even though it is a reasonable thing to say, it is unfortunately incorrect. The “100-year flood” is one of the most misunderstood terms in disaster preparedness. What’s A 100-Year Flood And How Is It Determined? In […]
Hurricane Season Is Almost Over, But Don’t Skimp On Flood Insurance!
If your property is located near a river, lake, stream or just on a floodplain, you probably have a flood insurance policy in addition to your homeowner protection. However, if you live in an area that is considered as low risk according to the FEMA Flood Map Service Center (MSC), you may think that it […]
How Elevation Certificates Help You Save Money
Flood insurance is a fundamental necessity if your property is located in a flood-prone area. As we discussed in previous blogs, a standard homeowner policy does not include damages caused by flooding, so you are required to have one if you live in a high-risk area. The elevation certificate is an important factor when it […]
Are You Overpaying for Flood Insurance?
What you pay for flood insurance has a lot to do with the risk of flooding associated with your property. But, is it possible that you are overpaying your premium? What can you do if your policy and quote are full of technical errors? Or worse yet, your property’s flood zone is incorrectly classified? Contact […]
Your Guide To Every Type of Flood Zone
Floods happen more than you’d think. In fact, almost 90% of all natural disasters involve flooding. To reflect the risks in each part of the country, the Federal Emergency Management Agency (FEMA) has issued Flood Insurance Rate Maps (FIRMs) that show areas of high and moderate to low risk of flooding. More than 20,000 cities […]
How To File a Flood Insurance Claim
When disaster strikes – such as a flood – you need to file a claim as quickly as possible. It’s vital to file your claim immediately and have all the supporting documents/information at hand. Your policy will help you get monetary compensation for anything that was lost or damaged in your home when flooding occurred […]
Why Floods Occur
Water may seem benign, but in vast quantities, it can turn into an enormously destructive force. When floods happen, they cause numerous problems. The reasons for flooding are varied, ranging from natural to human-induced: Heavy Rains Heavy rains are the simplest explanation for flooding. When it rains massively, basins and reservoirs are overwhelmed, and that […]
Hurricane Florence: The Aftermath
More than two weeks after Hurricane Florence hit the Carolinas and Virginia, thousands of people living in coastal areas are still worried about the dramatic effects caused by its aftermath. Upcoming Floods Officials have asked between 6,000 and 8,000 people in Georgetown County, South Carolina, to be ready to leave their homes in the face […]