The NFIP pays for direct physical loss by or from flood. For example, if a sewer backs up into a client’s home because of flooding, the damage is covered. If the backup has a different cause (such as tree roots around a line) it’s not covered by flood insurance. Refer to the NFIP policy for a complete explanation of coverages … More
25% of all flood insurance claims for the National Flood Insurance Program are filed by people who don’t live in a high-risk flood zone. FEMA is in the process of a nationwide flood zone remapping project that may affect your flood policy. WHAT IS FLOOD ZONE REMAPPING? It’s a multi-year initiative by FEMA that will … More
Read your flood policy. What coverage’s did you purchase? Begin to dry out the building and personal property. Keep a/c or furnace fan running, to assist in drying out of the property. If no heating/cooling, keep windows open and have fans blowing to assist in drying. Try to find documents relating to the purchase of the … More
Spring may be in the air, but it also means more water on the ground. To property owners that means a real danger of serious flooding. Every spring, warmer weather and melting ice and snow cause large amounts of runoff water to accumulate. And because the ground is still frozen, the water cannot penetrate … More
What you should know about flood insurance You’ve probably heard this horror story before — someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn’t cover flood damage. At Reiner Insurance, we want you to be educated about all of the risks you may face … More
What you should know about flood insurance You’ve probably heard this horror story before — someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn’t cover flood damage. At Reiner Insurance, we want you to be educated about all of the risks you may face … More
Was super-storm Sandy a one-time fluke of nature? Or a hint of changing weather patterns with more to come? One thing it taught us was that weather forecasting isn’t 20/20 and flood damage can occur anywhere, anytime. So it’s important to prepare for the possibility of a flood, no matter how distant the possibility. Super-storm … More
Now’s the perfect time to learn more about your risk of flooding and how you can protect your property from flood damage. 1. Everyone is at risk for flooding Flooding can occur anywhere, anytime. And it’s caused by more than just rainfall. Snow melt, hurricanes and new development in your area also can cause flooding. … More
An inch of water can cause as much as $21,000 in flood damage Most people think of floods as a result of hurricanes, tropical storms and rising coastal waters. But there are many other ways dangerous and costly flooding can occur. Flooding can be a result of natural and unnatural causes Flooding can result from … More
