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 electronics, finding your neighbors items on your property. Everyone is dealing with this in their own way. My clients have told me that is as if they have been robbed, some have said that it would have been better to have been robbed because at least there is hope that the item might be returned undamaged.

The 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 electronics, finding your neighbors items on your property. Everyone is dealing with this in their own way. My clients have told me that is as if they have been robbed, some have said that it would have been better to have been robbed because at least there is hope that the item might be returned undamaged. In a

Ruined floors, soaked furniture, and clothing, ruined electronics, finding your neighbors items on your property. Everyone is dealing with this in their own way. My clients have told me that is as if they have been robbed, some have said that it would have been better to have been robbed because at least there is hope that the item might be returned undamaged.

In a flood, it is returned but the waters have done its damage.

The scary fact is most of the individual’s whose property was flooded, did not have flood insurance.

Maps are flawed. Maps are old and maps are changed by political pressures. It takes a year in a half to make a flood insurance rate map final. You see the map is originally drawn by a trained map engineer and usually is much larger and covers all the risk that an area could have a chance of being flooded. Then it goes through a review process and government officials, land developers, real estate professionals as well as community advocates for the properties mapped into a flood zone, say to the map maker “NO NO you got it all wrong the flood waters won’t reach my property” and due to how much money is involved and/or how loud someone screams the maps get changed, the true risk gets played down and the map maker (who is the only one trained by the way) is told to redraw it. I can only imagine the map being returned and red ink being drawn that benefits certain individuals likely those who are most likely to profit from the redraw.

A few years pass. Likely less than most peoples 30-year mortgage. Disaster int he form of water hits.

“I never knew I was in a flood zone”, or “Who knew the 100-year flood would come this year?” (please see my article titled, “The Myth of the 100-Year Flood“). are words often spoken by those who have been flooded.

Interesting Fact is you are 0.276% chance of experiencing a fire (which your homeowner’s policy covers) yet you are 28% more likely to experience a flood and if you live in the high-risk area your risk is higher. Just by moving the decimal point the risk is so much greater of a flood than fire (both devastating) however Most if not everyone I speak to doesn’t want flood insurance. Why? What would you do if you lost everything in a flood? And your risk is way higher than the fire coverage you accept and pay every month.

Now let’s look at this from a Business owners point of view.

Consider the effect of the following scenarios: A small “Mom & Pop” business has poured all their resources into building a family business a disaster like Hurricanes Harvey and Irma strikes. They are uninsured for flooding; what cost has occurred while the business is closed, extra expenses for moving to, and operating from a temporary location, maybe the loss of a key client due to the inability to deliver goods or services.  Sadly this is a very real situation, maybe they loss a key employee because their home was damaged and they need to relocate. What if money and countless hours were spent for an event that has to be canceled? relocated? or the job promised could be done on time? These are very real scenarios, and flood coverage for a year could have cost them 699 – 1500 a year but saved the business uncountable losses. Please note this didn’t even address the collateral damage to the building and contents.

Get Covered, there are so many options out there and if you are working with an expert you can protect your property and save money. We can help 866-990-7482