Tag Archives: flood

Helping You Prepare for the Season of Spring

Spring Cleaning

Spring is here and we can officially look forward to warmer temperatures. As we thaw out from the winter weather, the months ahead will also provide us with the opportunity to open up the windows and start our annual spring cleaning rituals.

As you look to enjoy the season, here are some safety tips to keep in mind:

  • Turning on fans, in addition to opening windows, is also a good idea when using chemicals.
  • When spraying pesticides, wear long clothing for protection and let the given areas air out for an hour or so.
  • To avoid confusion, keep chemicals in their original bottles to help you keep note of expiration dates and remain mindful not to mix things together that may create dangerous gases.
  • As the temperatures warm up, the heavy snow from the winter season will continue to melt. Spring can also lead to rainstorms. Both of these weather conditions could result in potential flooding, so you would benefit from knowing the safe routes in and out of your house. Unfortunately, flood damage is not usually covered under a homeowners policy. You may want to contact your agent about flood insurance.
  • Prepare your home with a first aid kit, flash lights, extra batteries, nonperishable food, and bottled water.
  • Keep contact information for utility and related companies handy in the event of an emergency.

Spring Flowers

Allergies are also common during springtime. Exposure to pollen can result in itchy eyes, runny noses, fatigue, and more. Here are steps you can take to remain healthy:

  • Take an opportunity to plan your seasonal outings accordingly. Going out on non-windy days will help limit your exposure so you can enjoy your day
  • Park your car inside a garage and away from trees, if possible. This will help you avoid pollen and mold spores.
  • In the interest of spring cleaning, washing your hands, vacuuming rugs, and changing sheets often will lessen the chances of pollen clinging to material in your home.

It’s easy to get excited about spring time and the changing of seasons. Keeping the above reminders in mind to ensure your health and safety will make it even easier to enjoy this fun time of year!

Water Is Not Always Your Friend

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What’s the difference between a flood and a sewer backup? With hurricane season in full swing, it’s important to understand the differences between the two so you are protected in the event either one happens to you.

A flood involves rising waters, such as those caused by rain, melting snow, or an overflow of a river.  We have witnessed the devastation that floods can cause. However, homeowners and commercial property policies do not always cover the subsequent flood damage.

The way to insure your home or commercial properties against flood damage is through the National Flood Insurance Program (NFIP).

Sewer and drain backup, on the other hand, involves water that causes damage to your property, resulting from a sewer or drain that backs up. When a buildup of water is prevented from continuing to flow in the normal direction, it must reverse its direction and go back up the other way. As a result, water backup occurs. A collapsed pipe and blockage are also known to cause water backup. Homes are most susceptible to the backup of drain lines during the wet months of spring and fall.

Unlike flood insurance, the coverage for this type of loss can actually be purchased as part of your homeowners and commercial property polices.

It is also important to note that Flood polices do not cover losses caused by sewer or drain backup.

Don’t drown yourself in worry over a lack of coverage.  Contact us today to discuss your coverage options.

Which Insurance Policies Get Triggered In The Event Of A Flood?

During a recent rain storm in New York, some portions of Suffolk County received up to 13 inches in a very short time when a weather system stalled. The results: road closures, sink holes, flooded businesses, basements and cars.

How can insurance policies be expected to respond to such damages?

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AUTOMOBILE INSURANCE:

Comprehensively, a physical damage coverage can provide some relief if your vehicle is damaged by flood. However, there are limitations depending on the type of coverage purchased, the proximate cause of a loss, and the steps you take to safeguard the vehicle afterwards.

 

PROPERTY POLICIES:

Usually for property and business owners flood coverage is not provided under Homeowner’s, Businessowner’s or Package policies. Should Flood coverage be included, it is usually for limited amounts or in the form of a Water Back Up Endorsement.

FLOOD INSURANCE-Your best form of protection:

Flood insurance is the best safeguard against damages and destruction caused by:

  • overflow of navigable waters
  • mud slides
  • unusual and rapid accumulation of surface water
  • runoff water
  • collapse and subsidence caused by erosion
  • Super Storms such as “Sandy”

As with any exposure to loss, we strongly urge you to discuss your concerns with your agent or broker before something happens and find out the best way to protect your assets and your family.

By: Karen Skoler, CPCU