The following blog posts have the category Flood
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Flooding causes more property damage than any other weather related event and occurs in all 50 states. You should understand potential flood vulnerabilities you may have at home. The Red Cross or the local planning and zoning department can help you if you are unsure.
Having water where it's not supposed to be can be one of the biggest threats to your home. Water damage can be caused by many things, including faulty plumbing, leaking appliances, or just bad weather. A smart homeowner knows how to check for water leaks and other issues, and what to do if there's a problem.
Utilities, such as electricity, water, and natural gas, allow us to complete the tasks of daily living. Now that working from home has become the norm, it's that much more important that these critical services work reliably, day after day. As the chances of extreme weather and natural disasters continue to increase, here's what you should know about maintaining your home utilities, and what to do if there's a problem.
A few short months ago, many of us, and around the world, quickly learned that we were not prepared for an emergency. And while it didn't turn out to be the type of emergency we thought it was; there was really no need to buy all that toilet paper. It reminded us that we are not invincible, and that we really should have an emergency plan and supplies in place. If you haven't already put together your own emergency plan and supplies, it's not too late. Take the following steps to make sure your family is prepared.
The term "catastrophe" brings to mind an event so disastrous, so "out there," that the odds of it happening to us are very, very low. Hail, wildfires, tornadoes, winter and tropical storms and man-made disasters like explosions can all qualify as catastrophic events. Yet none of these normal occurrences (depending on where you live) are covered by a standard home or business owner's insurance policy. Keep reading to find out whether catastrophe insurance makes sense for your home or business:
Spring is just around the corner in Virginia. With it will come melting ice and snow, rising waters, and an increased potential for serious water damage due to flooding. Most standard insurance policies do not cover flooding, and that includes business and commercial policies. So should you spend extra to protect your business from flooding? Here are some things you should consider.
Thanks to a certain well-known and widely-loved MGM musical featuring a scarecrow, a tin man, and a cowardly lion, many of us, especially those who dwell on the East or West Coast, have thought of tornadoes as little more catalysts for traveling "over the rainbow" to a colorful world populated by munchkins and flying monkeys. But those who have experienced actual tornados know they are more the stuff of nightmares than the stuff of Technicolor fantasy. And on May 20th of this year, the entire nation saw just how devastating a tornado can be when we witnessed the tragedies in Moore, Oklahoma.
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We all know that pollution affects the soil, air, and water in our outdoor environment. Many of us in Virginia have taken measures to minimize harm to our planet, but what about our indoor environments-the places we call home?
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In many parts of the country, water abounds as winter winds down. Melting snow and rain seem to make the whole world a watery place. Slushy, icy environments are common, making roads hazardous and driving a dangerous proposition. But too much water can even create problems in what seems like the safest of all places: home. When the quantity of water in and around your home is too much for your water removal systems to deal with, you have what is known as water back up.
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Insurance can be a tricky business. Shopping for can feel intimidating because there are so many providers and plans to choose from, so much fine print...and so many misconceptions! Yes, myths abound in the insurance world, and they are perpetuated as readily and colorfully as any fairy tales or legends.
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Most of us in Virginia have insurance for our homes, cars or businesses. We know life insurance is part of any good financial plan and health insurance can protect us from catastrophic medical bills. But there are a few other programs that we come in contact with - we don't usually think of these programs as insurance, but they are.
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Americans tend to be an optimistic bunch—which is typically a good quality to possess. A key exception, however, concerns our impressions that we are very unlikely to ever experience a devastating natural disaster. As you know, 2011 has already proven to be one of the very worst for natural catastrophes in decades. This reason alone should cause you to systematically consider your exposure to natural disasters and take sound action to mitigate these types of losses if one were to occur. Here are a few ideas for properly handling your exposure to natural disasters.
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Residential and business property flood damage is something that most of us think couldn't happen to us, but the fact is, the risk of flood is real for a lot of homes and offices outside of traditional flood areas. Last year, half the flood claims paid by the federal government were in low risk flood areas. The average paid claim? $46,000. Talk to us about the availablility and cost of flood insurance today, before the water starts rising.
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