As flood waters enter a home, ruin begins. Wood framing sucks up water like a ShamWow. Outlets underwater are now useless. If your area has clay soil like many in the south, it absorbs water. Clay's uneven nature will break up the foundation. Embedded pipes rupture and window and door frames sag and break. Most flooring and furniture fill with contamination from sewage in the waters. Non-porous fl…Read More
It's been a year since hurricane Harvey sat, defying the odds, over Houston, TX for four full days. More than 50 inches of rain in some areas sent flooding waters in an area the size of New Jersey. The weight of the water sank the 4th largest city into the earth's crust 2 centimeters. As with any natural disaster, the toll it takes is enormous after the storm passes. Only 20% of the area's homeown…Read More
Hi Jason, There are really only two types of flood policies NFIP Vs. Private flood 1) The NFIP (National Flood Insurance Program) NFIP administred though FEMA Federal Emergency Management Agency was also known as the government option (they were the only players in flood insurance since 1969 and have had a 50-year monopoly) And 2) The Private Flood Insurance (usually through Lloyds of London) how…Read More
Below is a Dialogue I had with a client about flood insurance it seems that there is a common belief that our properties will never flood so we don't need flood insurance. I hear this day in and day out. And I hope to educate. -- Flood Nerd----- Doug I am so excited I like getting clients on this option when they fit. We are pre-approved for the premier option COVERAGE OF $250,000 building wit…Read More
Privatefloodcompliance-5b226ae3bd29e Compliance Information Flood Insurance Reform and Modernization ______________________________________________________________________ THIS POLICY MEETS ALL OF THE PROVISIONS REQUIRED BY: The National Flood Insurance Act of 1968, as amended; and The Flood Disaster Protection Act of 1973, as amended, 42 U.S.C. §4001 et. Seq.; including Biggert Waters Flo…Read More
Summer 2018, nearly 7 million homes are at risk of hurricane storm surge, and Flooding Below is a breakdown of the top 10 cities areas most at risk. Based on Flood Insurance Rate Maps. Flood Insurance; private flood insurance; Lloyds of London; other options how do you save money on your flood insurance and other questions around flood insurance rate maps (FIRM) answered The 2017 Hurricanes: The f…Read More
https://youtu.be/vhpXo644IZo You may have been told by your family agent or other ignorant individuals that the government option is the only flood insurance available. This is simply not true. Here are a few reasons why you might be told this by your trusted insurance adviser. Many of the companies you might be using for your homeowner's insurance and auto insurance (Allstate, State Farm flood …Read More
As an Expert in flood insurance, we are uniquely positions to shop all flood policies to date for our clients both private flood and the NFIP. We also see the confusing wording and the CYA tactics local government, lenders, and insurance companies have created to address the unclear direction in the law and guidelines specified in regards to private flood insurance. And this issue seems to be on…Read More
These days about a week after the devastation from the back to back Hurricanes Harvey and Irma. It is not hard to find an image of the massive damage in their wake. The back to back storms have now passed and the water is still receding, now is the time to assess the extent of the damage and prepare to repair and in some cases rebuild. Ruined floors, soaked furniture, and clothing, ruined electro…Read More
Insurance, any type of insurance is intended to save us from Financial Ruin, yet why do we choose to go without it? When Hurricane Harvey made landfall and Hurricane Irma was 7 days out, our phones started lighting up, most people of whom did not currently have flood coverage wanted to get it and as fast as they could. Unfortunately, it was too late for them and our heartstrings were tugged as we …Read More
