In Oregon we get a lot of rain and one of the things rain can do is move Earth and a lot of it. It may not seem like one drop of rain can make a difference in this little world of ours, but if you live on a hill or near a creek, it is something you need to consider when buying insurance for that home.

Buying a house near hills and other water sources

Above is a picture of my daughter standing on an old street and as you can see from the picture, where she is standing and the rest of the road, don’t exactly meet up like they are supposed to. If you are buying a home in Oregon, make sure you check the flood maps as it can make a huge difference in your premiums on your insurance.


Todd Clark (broker w/ Ken's Home Team)
Keller Williams Realty
Todd@IFoundYourNewHome.com
Phone: (503)524-9494
Fax: (503)746-9573

 

 

 

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 I am a licensed Realtor who specializes in Washington County, Oregon and also work in both Clackamas and Multnomah Counties including the cities of Aloha, Beaverton, Canby, Clackamas, Gladstone, Gresham, Happy Valley, Hillsboro, Milwaukie, Oregon City, Sherwood and Tigard. All information contained in these posts are copyrighted and cannot be used without prior written approval authorization from the author me Todd Clark. If you are looking for an outstanding agent please give me a call I would love to help you with all your real estate needs.

 

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12 Comments on I feel the Earth move under my feet

JUL
18
2011
638,753 Points 53 Featured Posts Outside Blog Called Shot Master

Todd,  That is amaing.  We have had so much rain this year, I was begginning to wonder if I woke up in Oregon.  There has been lots of road construction as well.  I think they are having a heck of a time keeping up with the craters in our roads.
3:27pm • #1
423,701 Points 40 Featured Posts Outside Blog Attended Rain Camp Called Shot Master

An excellent point to be taken seriously by prospective buyers.  The pic sure is pretty ;)
3:34pm • #2
354,520 Points 30 Featured Posts Outside Blog Attended Rain Camp Called Shot Master

Todd,

Here in Texas we are begging for rain! I wish it would rain!

What a beautiful photo of the land and your daughter too!

You make a great point for buyers wishing to buy in Oregon. That information is necessary and could either make or break a sale.
3:56pm • #3
919,759 Points 80 Featured Posts Localism Sponsor Called Shot Master

Always checks local maps for areas that could potentially be flood plains! Great advice Todd!
4:21pm • #4
1,091,244 Points 201 Featured Posts Outside Blog Hit Router Attended Rain Camp Called Shot Master

Hi Todd, A great lesson illustrated. In CA even with little rain, we have so much earth movement and when it does rains, the land seems to crumble away with even the smallest amount of water. 
4:49pm • #5
536,110 Points 38 Featured Posts Outside Blog Attended Rain Camp Called Shot Master

Great advice, Todd.

You're about five years from being over run with young boys! I don't think they offer insureance for against gray hair!  

Bill
4:54pm • #6
630,784 Points 7 Featured Posts Outside Blog Attended Rain Camp Called Shot Master

TODD this is very true ..I lost a sale due to the cost of flood insurance ..

Thanks

Hannah
5:00pm • #7
360,245 Points 42 Featured Posts Outside Blog Called Shot Master

Amen, Brother Todd!!!  You speak the truth for Oregon and it looks like some other states as well! The problem is that what FEMA tells you and what the latest flood maps tell you as well as what one insurance company will charge you vs. another can send anyone into a mad frenzy!  Part of our real estate office has insurance, too and because Vernonia has flooded twice in ten years in a (supposedly) 500 year flood-plain, we have had more than our share of issues with this. Our poor insurance guy can't seem to get answers that match up. There is a great deal of variance in flood insurance costs, too.

A Word to the Wise.
5:20pm • #8
472,700 Points 35 Featured Posts Outside Blog Called Shot Master

Can you say "sink hole?"  My former on-air partner, Jim Donovan walked out his front door and fell into a new sink hole one morning. Broke his wrist and cracked some ribs...he was lucky. So, you are so right about the importance of checking your policy to know just what it covers.  Good reminder Todd.
7:09pm • #9
257,705 Points 16 Featured Posts Outside Blog Called Shot Master

Great advice! I used to live near a creek and insurance was a BIG deal as that little creek flooded our basement several times!
8:30pm • #10
477,349 Points 10 Featured Posts Outside Blog Attended Rain Camp Called Shot Master

Properties requiring flood insurance sure take a hit on value because the extra cost. Great advice for buyers.

Cal
9:51pm • #11
JUL
19
2011
988,350 Points 49 Featured Posts Outside Blog Called Shot Master

Todd - This is excellent advice and something all home buyers need to be aware of.
12:14pm • #12

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