CIWN 6/18/08 11PM CT: Flash Flood Warning and flood update
Additional informaiton on levee breaches and flood forecasts along the Mississippi River from Quincy to near St. Louis.
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8/29/2005 Raw B-Roll shot during Hurricane Katrina as the worst of the hurricane hit east of the city in the Mississippi region, the worst of the destruction…
“Imminent Catastrophic Levee Break” — Missouri – Black River Rising 4 Foot above Flood Stage
http://hotstocksforyou.com/2011/04/police-warn-of-looming-missouri-levee-failure/ Twitter – DIGG – Google -Buzz – Fark – Delicious – CNN ireporter – SKYNews …
FR2012 Flood Defenses – sessie 2 – P26 Remy Tourment
Levee failures related to structure transitions: typology, levee performance evaluation and improvements Presentation on the floodrisk 2012 congres in WTC Ro…
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If the Bible God created no new species after the great flood then how can this be considered a fresh start ..?
Question by Herod the Great: If the Bible God created no new species after the great flood then how can this be considered a fresh start ..?
when nothing new was created?
He just did a serious bit of culling with no apparent correction to the design faults in his perfect creation.
Where does the fresh start enter into this crazy scenario?
Best answer:
Answer by ?oi?? ???s & al?ea?y C??z?
imperfect creations by who’s standards: yours??
make everything perfect for what? to live in utopia? then how would we grow? learn?
Know better? Leave your own answer in the comments!
Do I Need Flood Insurance?
Do I Need Flood Insurance?
Do I Need Flood Insurance?
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Home Page > Finance > Do I Need Flood Insurance?
Do I Need Flood Insurance?
Posted: Aug 13, 2008 |Comments: 0
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Did you know that your homeowners insurance does not cover water damage due to natural flooding? Overflowing rivers, tidal surges, city storm drain backups, and storm driven rain may flood your home but unless you have specific coverage against these perils, you’re likely on your own.
In addition to natural flood disasters, your homeowner’s insurance policy most likely specifically excludes flooding due to sewer backups and “seepage.” Some insurance companies do offer special endorsements for coverage due to sewer backups. If you want this type of coverage, call your insurance agent and see if it’s available. Water seepage is considered a maintenance issue and is not generally covered by insurance. Your best protection against water seepage is to evaluate and maintain your home.
Flood insurance is available to cover your home against flooding. This type of insurance is often referred to as a “single peril” policy. The National Flood Insurance Program offers policies covering natural flooding such as storm surges, snow melt, heavy rains, levee failures, blocked storm drains, and other flood events. However, a flood must be significant enough in order for the flood insurance to kick in. For example, the floodwaters must either affect two or more properties or cover at least two acres.
Some lenders require flood insurance policies, normally if you live within a designated flood plain. Flood hazard maps are used to determine a property’s risk. High risk properties need a standard policy.
If you don’t live in a flood plain, you probably won’t be required to obtain a flood insurance policy. However, flood insurance is available for low to moderate risk properties. Nearly 25% of all flood insurance claims are located in these lower risk areas. Policies for low-to-moderate risk properties are less expensive. These policies are called “preferred risk” policies.
You can purchase flood insurance from your own insurance agent or locate an approved insurance agent through the FloodSmart.gov Web site. Shopping around for flood insurance isn’t necessary because rates are set by the National Flood Insurance Program and are based on flood maps.
An interesting note if you’re considering buying flood insurance is that there is a 30-day waiting period before your policy goes into effect. You can’t look at the weather report and decide to buy flood insurance just before a hurricane makes landfall. The two exceptions to this waiting period are when the initial purchase is made in conjunction with certain loans in high risk areas or when the initial purchase is made within a year of a flood map change.
Water damage can and will occur regardless of whether you have flood insurance. Having the right type of policy can help you pay for repairs.
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Flood Insurance for Your House
Flood Insurance for Your House
Flood Insurance for Your House
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Home Page > Finance > Insurance > Flood Insurance for Your House
Flood Insurance for Your House
Posted: Oct 19, 2008 |Comments: 0
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Majority of the people in the world have the belief that flooding, earthquakes, and other natural disasters have nothing to do with them. However this belief of theirs should be thoroughly verified. Even modern weather forecasts may be sometimes wrong or delayed. Nature always has surprises for us. So why not should we be more cautious to save our lives, instead of suffering some irreplaceable damages. Disasters like river floods, heavy thunderstorms, hurricanes, levee failures, malfunctioning of drainage systems and so forth are those factors that lead to flooding which is really hard to overcome. Also along with this comes theft, burglary, fire, etc. Thus the risk of flooding is big. According to some stats almost 90% of natural disasters around us are somehow connected to flooding. There are various ways to protect your property from the natural disasters. The best option is to avoid buying a house in areas prone to flooding or at least get acquainted with all the possible hazards related to that place and the topography of the area, he weather conditions in your area, some weather history of the area, etc. All this information will help you to take precautionary steps by your own or by professional contractors. If it turns out that risks of flooding are quite high in that area, you will have to look for a complete insurance policy which includes all the related issues. One point that should be kept in mind is that standard homeowner policies don’t cover flood damage. Unfortunately this fact is exposed only after the accident. You might have insurance against hurricanes or earthquakes, but unless your real estate is covered particularly against flooding, you will have to pay for everything on your own and that will undoubtedly double the miseries accompanying the accident. Because of the high level of risk factors it is not easy to find an insurance company providing suitable flood insurance. A National Flood Insurance Program had been devised in 1968 as an alternative insurance provider. The federal government will provide financial aid in case the flood occurs only if according to the agreement local communities implement all the possible measures in order to reduce or prevent future flood risks. The cost of insurance differs depending on the location of the property. Rates are high if you live close floodplains. Paying high rates is worth because in some areas losses are quite huge. Property of the homeowners which is located near low risk areas are enabled to refer to preferred risk policy with relatively low costs. Even if you don’t reside in a flood zone, it would be still better considering some kind of flood cover because in accordance to statistics, approximately thirty percent of flood insurance claims are exactly from the areas previously been considered as low-risk zones. In order to get the best deal do some research online and obtain the most suitable coverage for the lowest premiums despite the location of your real estate. This will put you in the driver’s seat.
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I have 75k credit card debt & just sold my house to my son & daughter in law to pay off home equity loans so the house is no longer in my name; I sold it for fair market value.can i dec.bankrup?
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What is flood insurance and do you need it?
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What is flood insurance and do you need it?
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Home Page > Home Improvement > What is flood insurance and do you need it?
What is flood insurance and do you need it?
Posted: Jun 29, 2009 |Comments: 0
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What is flood insurance and do you need it?
By: Chris
About the Author
Right Way Contracting and Restoration Services is a leading nationwide water damage restoration company specializing in 24/7 emergency service water damage restoration florida, water damage repair atlanta, mold remediation, flood damage repair, document drying, fire and smoke damage restoration and crime scene clean up.
(ArticlesBase SC #1000988)
Article Source: http://www.articlesbase.com/ – What is flood insurance and do you need it?
Flood insurance will protect your home and property in the case of a flood. Flood insurance is available to homeowners, renters and businesses. Most homeowner insurance policy coverage does not include flood damage. You should evaluate your risk of flooding when purchasing or renting a home. You may live in a flood hazard area and would be required to have flood insurance. High risk would be required to have a standard policy. A standard policy does not cover the contents of your home but you can purchase additional coverage for your personal property which would be wise because if your home was flooded, you can bet you would have personal property damage or loss.
You may not be required to purchase flood insurance if you live in a minimal or moderate flood hazard area but you may still want to purchase flood insurance to protect your home and property. It may be wise in case of natural flooding, you may lose all your possesions plus damages to your home and property and you would be responsible for your own losses and not protected. Natural events happen all the time and cannot be predicted. It is wise to be prepared. Natural flooding refers to snow melt, heavy rains, levee failures and other natural events, however assess your risk of flooding because floodwaters must affect two or more properties or cover two acres at least.
Flood insurance policy premiums will vary depending on your risk assesment, amounts of coverage, type of coverage along with deductables. There are three different types of flood policies. Dwelling refers to your home, General property refers to four or more family buildings or commercial buildings and last Residential Condominium Building Association Policy refers to condominiums. There is a thirty day waiting period on new flood insurance policies so it is not wise to purchase just before the local hurricane is about to hit. You will not be covered untill after the waiting period.
Flood insurance can be beneficial if you are in a flood zone or if natural flooding occurs. Consider your risks before purchasing flood insurance and check on premiums because sometimes it may be cheaper than you expected it to be and better to be safe than sorry. Check and see if you are at risk, check policies available to you, check deductables and check into property flood insurance to protect your personal property if you are getting flood insurance for your dwelling and then decide if flood insurance in needed for your home.
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Chris –
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Right Way Contracting and Restoration Services is a leading nationwide water damage restoration company specializing in 24/7 emergency service water damage restoration florida, water damage repair atlanta, mold remediation, flood damage repair, document drying, fire and smoke damage restoration and crime scene clean up.
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Returning to your home after a flood can be a very emotional moment. Seeing the house that you have lived in and raised your children in for years all but destroyed by flood damage can be devastating. But after the emotional trauma has subsided you realize you are going to have to do some serious flood clean up or have it done for you.
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Information on Carpet and Padding Water Damage – Water Restoration
Flooded homes and businesses cause water damage and are extremely common. Water damage comes from le pipes, flooded basements and leaky appliances such as water heater, faucets, etc. It is important to have your water damage taken care of immediately as it can cause mold. Mold is dangerous and can cause health probles.
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Chrisl
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lViews: 477
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All the hidden costs of water damage
Pouring rain, torrential flooding and heavy snow can cause severe water damage. Other extreme conditions include tornadoes, blizzards and hurricanes. All of these weather events can easily destroy a structure. It does not necessarily take a sudden flood to cause damage; water in large or small amounts can cause severe damage. The power of water can be very destructive and cannot be underestimated.
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Chrisl
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A broken or leaking pipe can cause water damage to your home. If the pipe and the damage are not repaired immediately you may end up with mold, ruined walls, floors, or ceilings, a flooded basement and an outrageous water bill. You don’t have to suffer through all of that, though. If you call a Water Damage Restoration Company immediately, your pipes can be repaired and your property restored.
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Your House Has Flooded; Now What?
The first thing you experience when entering a flooded home is shock. Get past this quickly, because there’s a lot to do if you want to salvage your belongings! If the flooding is from an internal source, such as the washing machine, a water heater, or pipes, shut off the water to the house. Then, find your telephone directory and start calling disaster recovery companies. You must find one that is available immediately; cleanup must start within hours, not days.
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Chrisl
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How to Water Damage Restoration Clean Up works
Water damage restoration is an arduous process but it can be done. The first thing you need to do before you begin the water damage clean up is to turn off the electricity in your home. Water is a conductor of electricity and you don’t want to get shocked.
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Insurance for water damage mitigation
There is so much of uncertainty concerning what kind of water damage is covered under a home insurance policy. With a lot of home insurance mold claims being refused, home possessors are left with many inquiries when it comes to water damage to their house. Below is a list of what sorts of water damage is covered under your home insurance policy and what to do if water damage occurs to your house.
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Chrisl
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Having mold in your home is nasty business. It can cause many respiratory illnesses and the flare-up of asthma. Mold spores can grow on any surface that has accumulated moisture. According to www.epa.gov, control of moisture is what prevents mold from growing. However, if moisture has accumulated and mold is growing, you have to clean the area. You need to clean all mold within 24-48 hours to prevent mold growth.
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Chrisl
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Jun 29, 2009
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Tips on picking a kitchen designer
Look for kitchen designers that have generally been reviewed positively, but don’t rule out a designer for one bad review. Even the best companies can have angry customers from time to time.
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Wayne Hemrickl
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Increasing number of people are going to do it than ever, even homeowners that swore they never would are succumbing towards the temptation. When time grows short and careers and families begin monopolizing your quality time, who wants to be stuck repairing the weekend doing home repairs
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More and more people are doing it than ever before. Even homeowners that swore they never would are succumbing to the temptation. When time grows short and careers and families begin monopolizing your quality time, nobody wants to be stuck working on the weekend doing home maintenance.
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Nov 18, 2010
Modern Benefits of an Age Old Traditions
Many people like the inspired thought and tranquility that you get from natural herbal incense and aromatherapy.
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Andrew Beenel
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Nov 18, 2010
If you’re thinking of building your own shed then it really is significant that you do just a little bit of research prior to you begin. When you are more experienced at woodworking and diy projects you then will for certain have an advantage, in several ways. You’ll have the ability to determine regardless of whether utilizing a shed package or constructing a garden shed from scratch would be the very best option to suit your needs. The not so experienced carpenters will neverthele…
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John Emmsl
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Nov 18, 2010
Determining What A Standard Kitchen Redesign Will Set You Back
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CarlaWisserl
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Nov 18, 2010
A Simple And Easy Do It Yourself Bath Reconstruction
There is always a single space in the home which will get much more interest compared to every other, such as kitchen area. The bath is this particular area.
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CarlaWisserl
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Nov 18, 2010
If you have the creativeness of a five year old, why be satisfied with a monotonous bedroom set? The answer is simple, DON’T! You will discover a lot of amazing suggestions rolling through children’s minds that aren’t included when creating and furnishing their rooms. Asking and taking suggestions about interior planning from your child might seem like the most non-traditional thing to do, but we feel that it will ignite some ingenuity otherwise neglected. The initial step to the…
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Greg Jacobsl
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Nov 18, 2010
Water damage mitigation is something that should be dealt with fast and efficiently. Although most insurance policies cover the charge of water damage mitigation, they in addition need the policyholder to take the essential steps to avoid secondary damages. One of the several worries for those who have experienced a water damage occurrence is avoiding the existence of mold; however it must not be the single concern.
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Chrisl
Home Improvementl
Jun 29, 2009
lViews: 353
Every year countless numbers of people are constantly dealing with the effect of storm damage. In most cases it usually ends up in having more added stress than necessary because they did not do the proper planning before the storm to ease the burdens they have after the storm. While this is no doubt frustrating you can be able to avoid the many different problems that these homeowners run into every year by taking some simple steps to ensure that you are ready for what ever may come your way.
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Chrisl
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Jun 29, 2009
Frequently asked questions about water damage
Water damage within a home is one of the most detrimental things that can happen to the structure, visual appeal, and longevity of a residence. Water damage may include rusting, molding, or moistening among other things. Many homeowners or prospective home owners have questions regarding water damage in house, some of those frequently asked questions include such as “what are the causes of water damage?”
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Chrisl
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Jun 29, 2009
Is water damage hazardous to your health?
Even the smallest amount of water damage in your home can be extremely hazardous to your health. Whether you have a small leak or a flood of biblical proportions, mold and mildew can grow in your home can cause serious health issues for you and your family.
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Chrisl
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Jun 29, 2009
What to do when your water pipe bursts?
Everyone always wants to tell you what to do to prevent your pipes from bursting, but sometimes it just happens. Let’s take a look at what to do when the pipe bursts, and how to repair it without dropping tons of cash on a plumber.
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Chrisl
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Jun 29, 2009
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What are emergency restoration services?
ERS or Emergency Restoration Services are clean up and restorative services for your home, business, and personal property that are provided by experts and after such catastrophes as flooding, storm or fire, mold, crime or bio-hazard damage has occurred.
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Chrisl
Home Improvementl
Jun 29, 2009
Water damage from a flood, a storm or burst pipes can be devastating to the interior of your home. There are ways to prevent large loss damage. When constructing a home or finishing a basement following a few simple common sense steps can easily save a considerable amount of money from water damage that may occur sometime in the future.
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Chrisl
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Jun 29, 2009
Carpet cleaning after water damage
It’s happened to the best of us; flooding, or a burst pipe, causes water to come in to our home, creating water damage all over that wonderful cream-colored piling. All is not lost, though – let’s take a deep breath and look at how to clean up after the (water) damage has been done.
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Chrisl
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Jun 29, 2009
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Right Way Contracting and Restoration Services is a leading nationwide water damage restoration company specializing in 24/7 emergency service water damage restoration florida, water damage repair atlanta, mold remediation, flood damage repair, document drying, fire and smoke damage restoration and crime scene clean up.