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Blog entries tagged with "flood insurance":
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December 8th will be here before you know it, and if you live in one of the many Sacramento County zip codes that are having changes made to the flood zone maps which affect insurance rates, you'll want to call your insurance agent to secure grandfathered flood insurance rates that will save … (1 comments)
standard homeowners insurance does not protect you from floods.
So I've recently had the pleasure of representing a first-time homebuyer here in New Orleans. Once he was prequalified, we narrowed down his search to best fit his wants and needs, settling on certain section of "northwest" Gentilly including the Mirabeau Gardens, Oak Park, and Vista Park neighborhoods. Through the usual … (1 comments)
By J.R. Orenstein
State Farm® agent
Tel: 516-466-FARM (3276)
Website: JRorenstein.com or SeguroNuevaYork.com
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People have said it couldn’t happen to them. People have said it wouldn’t happen in their area.
But it can and it does. And when a flood occurs in the community, anyone can suffer
the devastation … (0 comments)
Is your home, or a home you are buying, is in a flood zone? If so, you will likely pay a great deal more for property insurance each year; much more than if your home is not in a flood zone. Not to mention, your home also runs a higher risk of experiencing some degree of flooding in … (0 comments)
Are you insured against floods ??
DO YOU OWN PROPERTY IN NATOMAS? On December 8, 2008 (less than 6 weeks from today), the new Natomas Basin FEMA flood maps take affect, and thousands of Natomas area residents will be required by their mortgage companies to purchase flood insurance. If owners purchase now, they will be eligible for … (2 comments)
In many area of the country and in parts of Arizona water damage from floods are a serious issue. 
Flood insurance will be required by December 8, 2008, on all mortgaged homes in the north Sacramento area, which includes Natomas. The following ZIP codes, comprising more than 26,000 homes, will fall under flood insurance requirements: 95833 to 95838 and 95815.
I have a beautiful Orland Park property for sale that was a previously expired listing. The original pricing was in the $500,00's with a reduction to $499,900 before it expired. I took it at $489,900 and we quickly got two offers. However, neither of the potential buyers had their homes sold … (2 comments)
The short answer to this one is 'Sure, Why Not?' Let's talk about 'Rising Water' vs. 'Flooding'
Simply put, the answer is YES!
Homeowners and potential homebuyers, alike, now have an easy-to-use online website to determine whether any particular address in Hillsborough County, Florida is situated in a flood zone. This link is provided by the government online resources:
One of the first questions that potential buyers ask when looking at a property here in the Brazosport Area is "Is it in a flood zone?" Since we are on the coast we have some low lying areas, and a few of them are designated as 100 yr Flood Plains. The … (5 comments)
The Federal Emergency Management Agency (FEMA) by mandate of Congress will be updating the country's flood maps. It is a five-year initiative called Map Modernization using aerial photography and topography of flood-risk zones. If you live near the water, it is advisable to buy flood insurance before the new Flood … (0 comments)
Royal Pines, Ladys Island Country Club, neighborhood is still moving well in 2008! As of 7/30/08, there are 36 Active Listings in Royal Pines. The prices range from $179,000-$399,900, Some of the lower priced homes in the neighborhood are the ones located on the main roads of Sams Point Road and … (0 comments)
Hello Dolly! On Wednesday Hurricane Dolly came ashore at South Padre Island about 3-4 hours south of Rockport. Rockport received about 3" of much needed rain and minimal wind. There is no apparent damage and no one was more than slightly inconvenienced by the storm system. This is a … (0 comments)
There is no problem going on and on telling you all the wonderful things that are so special about Lake Anna. Perhaps you would like to know some of the things we do not have here.
The United States government has a website which allows you to input an address to determine the flood risk factor. You can also receive information on how much flood insurance would cost and where to go to find an insurance agent for flood insurance.
Here we go again. Bertha is churning in the middle of the Atlantic Ocean and within just a few hours has now been classified as a Category 3 hurricane with maximum wind speeds of 115 mph. This means that we have just entered the 2008 Hurricane Season! 
5 Things to Know About Homeowner’s Insurance
Two of the most popular posts I have ever written deal with finding flood zones in Pasco County and Hillsborough County in the State of Florida. Luckily, the county property appraisers in these two counties have excellent maps that show residents whether or not their properties lie within a designated … (0 comments)
Over the past couple of weeks, we've all watched with deepening horror, the spectacle of what water can do when its' power is unleashed without restraint. It's been difficult to see communities being submerged underneath massive amounts of water. 
It is really a good idea to start comparing rates for home insurance while a hurricane is not yet brewing in our area. 
From Somerset 08873
Have you ever worked on a deal and then in the middle found out it's in a flood zone and requires insurance? Or maybe the maps have been changed in your area by FEMA and now you need it. Here's some tips:
Anywhere it can rain, it can flood. If you live on a hill or in an area that has never been flooded, you may still be at some level of risk.
What does it mean if a home is in the flood plane? In most cases, not much at all. In certain areas of the country (i.e. New Orleans), this can be a more serious problem. In the metro Atlanta area where I work, it is not a big problem. Of course, … (2 comments)
In Houston, mother nature can drop a drench faster than the Donald can say, "You're Fired".
Click for real $POWER-SAVING$ CALL US NOW - DON'T YOU WAIT DEANE & CHRIS's MAIN WEBSITESBUYERS ALMANAC SELLERS ALMANAC MORTGAGE ALMANAC Quotes & Anniveraries Thanks for visiting.GIVE DEANE & CHRIS A CALL (free 866-738-5517) - DISCUSS SERVICESTHEY OFFER & SEE HOW THEY MAY HELP YOU OUT IN SOME WAY BACK page … (0 comments)
In my 11+ years of working in the insurance business I've provided home insurance policies for a lot of people. One of the more frustrating things I deal with is people who call up for home insurance 1 day before a closing with the mortgage broker, realtor and attorney all on … (0 comments)
Popular yet incorrect notions about the National Flood Insurance Program can lead homeowners and businesses to avoid this easy and important safeguard. For example here are some common myths: * Homeowners insurance policies cover floods. * You cannot buy flood insurance if you do not live in a high flood-risk area or if your … (0 comments)
TIPS YOU CAN USE: EVALUATE YOUR NEED FOR FLOOD INSURANCE
When you are living in United States of America, you can never consider yourself safe from floods. Flooding occurs in most of the states in USA. There are various reasons for flooding, such as, hurricanes, heavy rain, tropical storms, rapid melting of snow, rise in level of river water etc. Therefore, … (0 comments)
Here in Naples and other parts of Southwestern Florida annual flooding is an unavoidable disaster. The pleasures of living near an ocean or on a beach are obviously not without their risks, and can be considerable. However, what you may not know is that inland living can be just as risky.
BACK page BACK pageDOES TYPE of HOME MATTERNot really. Whether your home is a detached house or a condo or a townhouse, you need to be protected by some insurance. The condo association has a master insurance policy that covers the outside of the building structure, to include the roof … (0 comments)
BACK page BACK pageDOES TYPE of HOME MATTERNot really. Whether your home is a detached house or a condo or a townhouse, you need to be protected by some insurance. The condo association has a master insurance policy that covers the outside of the building structure, to include the roof and … (0 comments)
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Town of Scituate Flood Information Workshop for homeowners and residents will be held March 13, 5:30-9:00pm downstairs at the library. Topics covered include:The Community Rating SystemFlood InsurancePermit RequirementsSubstantial Improvements / Damage RepairDrainage MaintenanceProperty Protection MeasurersFlood SafetyFlood Warning SystemFlood HazardNatural and Beneficial Functions of Beach and DuneFlood Insurance Rate Maps (FIRMs) InformationAll … (0 comments)
Just because the previous and/or current owner of your home is not required to have flood insurance does not mean you will not be required to get it. Flooding is the #1 natural disaster and most insurance policies do not cover flood damage. In addition, if you are in an area … (0 comments)
The Federal Emergency Management Agency has proposed new flood zone maps that could result in mandatory flood insurance and stricter building codes for parts of downtown Washington according to to an article in today's Washington Post. The Post reports that the maps show a proposed flood zone several blocks wide and … (0 comments)
Some time in early 2008, FEMA is going to release new flood maps for San Mateo County. So what, you say? Well, if you live in certain areas of San Mateo and Redwood Shores you should worry because if, as expected, FEMA says you are in a flood plain, you will … (1 comments)
Searching for homeowners insurance can become a job in itself. If you would like an idea of the costs for homeowners insurance, the Louisiana Department of Insurance has a website with useful information. Visit my website: tinabaril.com and Click the blue link to the left that says La. Dept. of Insurance and … (2 comments)
Well it's been raining like crazy here in glorious Jacksonville, Florida. Roads are blocked, schools closed and sadly some homes flooded. No amount of insurance can stop your home from flooding, but a flood does not need to dry out your finances! In seminars around Florida, I routinely ask realtors if … (0 comments)
Tom Burland, Coldwell Banker http://www.teamshoreline.com/, 203-645-0602
FLOOD INSURANCE: What is a Flood? Flood insurance covers direct physical loss caused by "flood." In simple terms, a flood is an excess of water on land that is normally dry. Here's the official definition used by the National Flood Insurance Program:A flood is "A general and temporary condition of partial … (0 comments)
We've seen the news and the massive flooding hitting the Midwest right now and have seen the damage on TV - damage that is already in the hundred of millions of dollars. Some of that rain came in through Chicago and due to all of the previous rain, the ground is very saturated … (2 comments)
Western South Dakota has a wicked thunder storm Friday evening (Aug. 17th) but I had not idea until I read the local paper this morning that some areas had actually experienced flash floods. 
Flood Coverage for Hurricane Prone Areas - Should we be Alarmed?
When I was growing up, we had an insurance office with its own entry at the side of our house. My job from the time I was 11 till 15 was to help type, copy and file for my mother who was working the office. 
Nags Head wants the state of North Carolina to update the building code to match the wind born debris provisions adopted by the International Code Council. The new wind born debris provisions have been adopted by FEMA who administer the Federal Flood Insurance Program.
What are homeowner's insurance, private mortgage insurance and title insurance?
Last weeks flood of the Fountain Creek is a perfect example of why homeowners should have flood insurance. The houses that were destroyed had been there for years and years and paid off forever, they had no flood insurance. And up until the north side Walmart went in they weren't in … (3 comments)
This is the wettest spring I can remember since 1993. I also remember a pretty wet spring in 1999. I remember it distinctly as my wife and I were enjoying our first spring in our new home. It had been pretty wet all spring and early one morning in late may, … (1 comments)
As I look outside I am seeing water in places I have not seen it before. Here in New York on the news there are countless reports of school closings, road closings and streams oveflowing their banks.
Living in the middle of hurricane country would seem as enough reason why all Florida residents should have flood insurance. Floods are more than just high water. It could be a stopped-up gutter or pipes which prevents water from flowing freely.
Just as the Fall leaves are turning and Winter approaches, I thought this would be an excellent time to serve as a reminder to clean those rain gutters before the Winter storms do their damage.
The effects of last year's hurricanes in the Gulf of Mexico are being felt in SE CT. Having worked in the mortgage industry for the last 26 + years, I have always tried to use a fair estimate for Homeowners Insurance premiums in my calculations for potential mortgage payments.
Most Floridians are able to take advantage of federally subsidized flood insurance, and part of that is because our cities and municipalities enforce building codes, specifically relating to the elevation of living space, in new homes and in additions.