http://ezinearticles.com/?cat=Insurance:Flood EzineArticles.com - Trusted By Millions as The Source For Quality Original Articles http://creativecommons.org/licenses/by-nc-nd/2.0/ Most of us know that insurance premiums often climb after filing insurance claims. After all, the more you cost the insurance company in claims, the higher a risk you become. Homeowners insurance often covers water damage, but which water damage claims will cost you in increased future insurance premiums and which will not? Wed, 18 Nov 2009 15:24:02 -0600 http://ezinearticles.com/?Water-Damage-and-Insurance-Claims-Which-to-Submit-and-Which-to-Pay-Out-of-Pocket&id=3280742 http://ezinearticles.com/?Water-Damage-and-Insurance-Claims-Which-to-Submit-and-Which-to-Pay-Out-of-Pocket&id=3280742 Most homeowners assume that they are either automatically covered for flood damage under their homeowners insurance policy, or think that they are too far from the coast to really need flood insurance coverage. But according to the National Flood Insurance Program (NFIP), one of every three claims comes from outside the high-risk flood areas. Mon, 16 Nov 2009 14:55:14 -0600 http://ezinearticles.com/?Flood-Insurance-Secret-Your-Homeowners-Insurance-Probably-Doesnt-Cover-You!&id=652516 http://ezinearticles.com/?Flood-Insurance-Secret-Your-Homeowners-Insurance-Probably-Doesnt-Cover-You!&id=652516 How can this be? The short version is that FEMA which is the federal emergency management agency typically pays close to 20% more than it should pay for flood insurance claims. These payments are made to the individual participating insurance companies. Fri, 06 Nov 2009 16:20:17 -0600 http://ezinearticles.com/?Flood-Insurance-Another-Example-of-Excessive-Spending-by-a-Government-Agency&id=3210449 http://ezinearticles.com/?Flood-Insurance-Another-Example-of-Excessive-Spending-by-a-Government-Agency&id=3210449 Winter brings on a greater risk for potential water damage in a home or office - flooding, frozen pipes, drainage problems. It is important your basement is ready for the potential on slot of water. This article describes five common lessons home owners have learned from having a flooded basement and how you can learn from them. Tue, 20 Oct 2009 13:56:43 -0500 http://ezinearticles.com/?Cardboard-is-Not-Waterproof-and-Other-Things-Learned-From-a-Flooded-Basement&id=3108878 http://ezinearticles.com/?Cardboard-is-Not-Waterproof-and-Other-Things-Learned-From-a-Flooded-Basement&id=3108878 The adverse effects of water damage to your home in the event of a flood or other type of disaster can be devastating, especially if the damage is left untreated for any length of time. Regardless of the original cause of the water damage, mould, fungus, and serious structural problems due to rotting are all common after effects that will need taken care of immediately. Mon, 12 Oct 2009 13:24:28 -0500 http://ezinearticles.com/?The-Effects-of-Water-Damage-to-Your-Home&id=3055276 http://ezinearticles.com/?The-Effects-of-Water-Damage-to-Your-Home&id=3055276 You may think a flood can never happen to you, so you may think that you don't need insurance coverage for floods. Or, you may simply not know if your insurance covers floods or not. Well, now is an excellent time to find out why you may need coverage and how you can find out if you have it or not. Fri, 09 Oct 2009 13:34:18 -0500 http://ezinearticles.com/?Flood-Damage-Are-You-Covered?&id=3016660 http://ezinearticles.com/?Flood-Damage-Are-You-Covered?&id=3016660 Remember Hurricane Katrina? The hurricane winds blew flood waters into areas that had never had floods before. The insurance industry denied thousands of claims, attributing the damages to flood. Thousands of property owners who were nowhere near a flood plain had their claims denied because they did not have flood insurance. So, here are seven common myths about Flood Insurance. Mon, 05 Oct 2009 14:10:20 -0500 http://ezinearticles.com/?Seven-Myths-About-Flood-Insurance&id=2405915 http://ezinearticles.com/?Seven-Myths-About-Flood-Insurance&id=2405915 Water damage and flood damage are considered two different types of hazards. All homeowner insurance policies exclude coverage in the event that damage was caused by flooding. Wed, 30 Sep 2009 16:24:28 -0500 http://ezinearticles.com/?A-Flood-Insurance-Policy-is-Often-Misunderstood-by-Homeowners-and-Renters&id=2341045 http://ezinearticles.com/?A-Flood-Insurance-Policy-is-Often-Misunderstood-by-Homeowners-and-Renters&id=2341045 Remember Hurricane Katrina? The hurricane winds blew flood waters into areas that had never had floods before. The insurance industry denied thousands of claims, attributing the damages to flood. Thousands of property owners who were nowhere near a flood plain had their claims denied because they did not have flood insurance. So, here are seven common myths about Flood Insurance. Wed, 30 Sep 2009 15:39:53 -0500 http://ezinearticles.com/?Seven-Myths-About-Flood-Insurance&id=2405915 http://ezinearticles.com/?Seven-Myths-About-Flood-Insurance&id=2405915 Here we go again. Flooding in the mid west and south. Every year, flooding causes more then $2 billion of property damage in the U.S. Is it time to build an Ark? Wed, 30 Sep 2009 14:55:48 -0500 http://ezinearticles.com/?Facts-About-Flood-Insurance-and-What-You-Need-to-Know-in-2009&id=2958074 http://ezinearticles.com/?Facts-About-Flood-Insurance-and-What-You-Need-to-Know-in-2009&id=2958074 This Information about the 4WD area north of Corolla on the Outer Banks of North Carolina is being provided to help consumers avoid making a mistake when purchasing real estate. Intriguing and risky if you do not know what to look for. Wed, 30 Sep 2009 13:38:37 -0500 http://ezinearticles.com/?Flood-Insurance-Problems-North-of-Corolla,-NC&id=2958973 http://ezinearticles.com/?Flood-Insurance-Problems-North-of-Corolla,-NC&id=2958973 Hurricanes bring heavy rains and can cause flood damage. You need to be sure you're protected if you live in a hurricane prone area. Don't assume you are. Read this article for detailed information on hurricane protection. Tue, 29 Sep 2009 11:30:53 -0500 http://ezinearticles.com/?Protect-Your-Home-and-Finances-Against-Hurricanes&id=1367476 http://ezinearticles.com/?Protect-Your-Home-and-Finances-Against-Hurricanes&id=1367476 Most homeowners assume that they are either automatically covered for flood damage under their homeowners insurance policy, or think that they are too far from the coast to really need flood insurance coverage. But according to the National Flood Insurance Program (NFIP), one of every three claims comes from outside the high-risk flood areas. Mon, 28 Sep 2009 16:03:46 -0500 http://ezinearticles.com/?Flood-Insurance-Secret-Your-Homeowners-Insurance-Probably-Doesnt-Cover-You!&id=652516 http://ezinearticles.com/?Flood-Insurance-Secret-Your-Homeowners-Insurance-Probably-Doesnt-Cover-You!&id=652516 When considering flood insurance, you may try to convince yourself that you live in an area where flooding is not a possibility. The reality is that flooding is possible anywhere. Of course to understand why this is, you first have to understand what a flood is. Wed, 23 Sep 2009 16:05:44 -0500 http://ezinearticles.com/?What-is-a-Flood-Anyway?&id=2902508 http://ezinearticles.com/?What-is-a-Flood-Anyway?&id=2902508 Following the tragic events in New Orleans due to the havoc and water damage caused by Hurricane Katrina, Sacramento has been singled out as the next city in America's that is most likely to be hit by floods. California state reports have recently shown that an untimely combination of bad weather and ever-weakening flood control structures will most probably put Sacramento under 20 feet of water - a grim scenario that residents of Sacramento will not want to see come to pass. Mon, 21 Sep 2009 15:51:49 -0500 http://ezinearticles.com/?Is-Sacramento-Next-in-Line-For-Flooding?&id=2832348 http://ezinearticles.com/?Is-Sacramento-Next-in-Line-For-Flooding?&id=2832348 A house fire or damage from a flood or from another type of water break can be a truly traumatic experience. In the event this happens to you, one of the very first phone calls should be made to a fire and water damage restoration company. Mon, 21 Sep 2009 10:22:25 -0500 http://ezinearticles.com/?Water-Damage&id=2862274 http://ezinearticles.com/?Water-Damage&id=2862274 When considering the cost of flood insurance, first and foremost, you need to weigh its potential cost versus the potential cost of being uninsured. The discrepancy would be astronomical. Thu, 17 Sep 2009 15:44:09 -0500 http://ezinearticles.com/?The-Cost-of-Flood-Insurance-VS-The-Cost-of-Being-Uninsured&id=2852162 http://ezinearticles.com/?The-Cost-of-Flood-Insurance-VS-The-Cost-of-Being-Uninsured&id=2852162 Nobody knows when floods happen. These are natural disasters that can just strike when we least expect it. We may live in deserts or atop a mountain and still experience flooding. Tue, 15 Sep 2009 17:58:43 -0500 http://ezinearticles.com/?What-Does-Flood-Insurance-Cover?&id=2903730 http://ezinearticles.com/?What-Does-Flood-Insurance-Cover?&id=2903730 One of the top priorities of a businessperson with a store of their own is to make sure that the store premises are insured against any chance of flood damage. This is for the simple reason that a company or individual could well risk bankruptcy just down to damage caused to stock and equipment in a warehouse or office. Thu, 20 Aug 2009 21:45:35 -0500 http://ezinearticles.com/?The-Commercial-Cost-of-Flood-Damage&id=2784748 http://ezinearticles.com/?The-Commercial-Cost-of-Flood-Damage&id=2784748 The definition of a flood is water overflowing from an expanse of water that will cover a large area of land that is usually dry. There are an incredible number of causes of floods, from intense rainfall from both ordinary storms, hurricanes, tropical storms and tsunamis to drainage obstructions such as breaking dams, landslides or glaciers, and even man-made causes such as overgrazing, overcultivation, improper disposal of waste, deforestation or poor water management. Wed, 19 Aug 2009 20:36:30 -0500 http://ezinearticles.com/?Tips-on-Buying-Insurance-Cover-For-Floods&id=2782714 http://ezinearticles.com/?Tips-on-Buying-Insurance-Cover-For-Floods&id=2782714 You may live anywhere in the United States. You can live in a desert or in a city that has no river or on the coast or near a lake. Sat, 15 Aug 2009 14:18:25 -0500 http://ezinearticles.com/?Home-Flood-Insurance-a-Necessity&id=2762799 http://ezinearticles.com/?Home-Flood-Insurance-a-Necessity&id=2762799 If you want flood damage restoration you can take care of the damage yourself or hire a restoration service to do the work for you. If the flood was a result of some thunderstorm or hurricane your insurance will only pay for it if you have the special flood insurance coverage, which is sold separately from a homeowners insurance policy. Wed, 29 Jul 2009 07:54:44 -0500 http://ezinearticles.com/?Flood-Damage-Restoration&id=2657675 http://ezinearticles.com/?Flood-Damage-Restoration&id=2657675 Flooding is growing to be a serious problem for home owners and in many cases landlords. Although many homeowners believe that if their property is a good distance from the river it is safe, there are other factors to consider. Mon, 27 Jul 2009 10:17:45 -0500 http://ezinearticles.com/?Insuring-Your-Home-is-Protected-From-Flooding&id=2656140 http://ezinearticles.com/?Insuring-Your-Home-is-Protected-From-Flooding&id=2656140 Imagine this scenario. If you have flood water in your home, you will have to shell out thousands of dollars just to do damage control. Over the past decade, the claim for average flood has come to a total cost of $30,000. Sat, 25 Jul 2009 10:12:38 -0500 http://ezinearticles.com/?Get-Cheap-Flood-Insurance-Rates&id=2655822 http://ezinearticles.com/?Get-Cheap-Flood-Insurance-Rates&id=2655822 Floods come in all sizes, from the epic Noah and his ark sized flood to the smaller, though damaging, flood from a broken dishwasher seal or hose. The time to prepare is before the water starts to flow. Mon, 13 Jul 2009 09:05:12 -0500 http://ezinearticles.com/?Are-You-Ready-For-a-Flood?&id=2563261 http://ezinearticles.com/?Are-You-Ready-For-a-Flood?&id=2563261 A homeowner is practical when he insures his home and the content. One must know whether the area he is residing in is high-risk, moderate-risk, or low-risk. The rates depend on the risk and the flood insurance coverage is also determined. The insurance premium covered by the company depends on these factors. Tue, 07 Jul 2009 16:05:21 -0500 http://ezinearticles.com/?Determining-Flood-Insurance-Coverage&id=2561699 http://ezinearticles.com/?Determining-Flood-Insurance-Coverage&id=2561699 One little known fact is that essentially 100% of all homeowners are overpaying for flood insurance. About 50% of the homes we reviewed don't need flood insurance at all. You can save big today. Tue, 30 Jun 2009 15:47:42 -0500 http://ezinearticles.com/?One-Little-Known-Way-to-Save-on-Flood-Insurance!-Bet-Youll-Never-Guess&id=2489711 http://ezinearticles.com/?One-Little-Known-Way-to-Save-on-Flood-Insurance!-Bet-Youll-Never-Guess&id=2489711 Homeowners all over the UK have had the frightening thought of how well they're covered in the event of flood damage to the most important of their personal assets; their home. Thousands of families now find themselves dwelling in flood plains, and live with the looming threat that they can be hit with flood damage practically without warning. Fri, 26 Jun 2009 15:20:26 -0500 http://ezinearticles.com/?Get-Protected-Against-Increasing-Flood-Activity&id=2513821 http://ezinearticles.com/?Get-Protected-Against-Increasing-Flood-Activity&id=2513821 Hurricane season starts June 1st - November 30th and FEMA reports that everyone lives in a flood zone. Even if you haven't flooded before, someone floods for the very first every time there is a flood. Changes in residential building and infrastructure changes the run off of water that you may not be aware of. Mon, 22 Jun 2009 16:08:50 -0500 http://ezinearticles.com/?Houston-Area-Flood-Insurance-2009&id=1963411 http://ezinearticles.com/?Houston-Area-Flood-Insurance-2009&id=1963411 Check your home. If your plumbing fixtures and floor drains are below street level, there is a possibility of flooding even in your own home. If there is water damage due to heavy rain storms, sewer back-ups, or snow melt are not covered by home insurance policy. Thu, 18 Jun 2009 14:02:43 -0500 http://ezinearticles.com/?General-Flood-Insurance-Cost&id=2489876 http://ezinearticles.com/?General-Flood-Insurance-Cost&id=2489876 Having flood damage in your home or business is a catastrophe that most people are lucky enough to avoid. Unfortunately, it can happen to anyone at anytime. Fri, 05 Jun 2009 14:41:14 -0500 http://ezinearticles.com/?Flood-Damage-in-Your-Home-Or-Business&id=2435316 http://ezinearticles.com/?Flood-Damage-in-Your-Home-Or-Business&id=2435316 Why insurers have agreed to a flood protection deal, and what the benefits are. The following article explains. Wed, 03 Jun 2009 11:11:31 -0500 http://ezinearticles.com/?Insurers-Agree-on-Flood-Protection-Deal&id=2423023 http://ezinearticles.com/?Insurers-Agree-on-Flood-Protection-Deal&id=2423023 The steps you should take after being flooded are discussed. A warning is given about visitors to your home, who impersonate Water Board officials. The steps you should take to verify whether they are genuine are reviewed. Wed, 03 Jun 2009 10:59:02 -0500 http://ezinearticles.com/?Making-a-Flood-Claim-on-Your-Home-Insurance&id=2423070 http://ezinearticles.com/?Making-a-Flood-Claim-on-Your-Home-Insurance&id=2423070 Insurance for water damage in your home is often part of your general homeowners policy. Your insurance may cover losses that are due to a pipe that burst or an appliance that leaks, but may not if you are exposed to a flood, tornado or hurricane. Tue, 02 Jun 2009 16:07:31 -0500 http://ezinearticles.com/?Insurance-For-Water-Damage-Will-Help-Save-Your-Property&id=2419853 http://ezinearticles.com/?Insurance-For-Water-Damage-Will-Help-Save-Your-Property&id=2419853 We all want to stretch our wallets. If we can get something at a cheaper price but receive the same benefits, we do it. If we want flood insurance, we try to get cheap flood insurance. As long as we get the same benefits from the general flood insurance cost, we go for less. Sat, 30 May 2009 06:30:00 -0500 http://ezinearticles.com/?Cheap-Flood-Insurance-Quotes-Protect-Your-Home-From-Flood-Damage&id=2408801 http://ezinearticles.com/?Cheap-Flood-Insurance-Quotes-Protect-Your-Home-From-Flood-Damage&id=2408801 Remember Hurricane Katrina? The hurricane winds blew flood waters into areas that had never had floods before. The insurance industry denied thousands of claims, attributing the damages to flood. Thousands of property owners who were nowhere near a flood plain had their claims denied because they did not have flood insurance. So, here are seven common myths about Flood Insurance. Fri, 29 May 2009 16:45:04 -0500 http://ezinearticles.com/?Seven-Myths-About-Flood-Insurance&id=2405915 http://ezinearticles.com/?Seven-Myths-About-Flood-Insurance&id=2405915 The National Flood Insurance Program (NFIP) regulates flood insurance agencies as well as the cost of flood insurance. They also deal with many of the flood damage claims that come in. In most states, you can purchase flood insurance through the same company that sells homeowner's insurance, but in states where this is not available, the NFIP is there to help. Tue, 26 May 2009 13:52:16 -0500 http://ezinearticles.com/?Be-Protected-Obtain-an-Excess-Flood-Insurance-Quote&id=2344391 http://ezinearticles.com/?Be-Protected-Obtain-an-Excess-Flood-Insurance-Quote&id=2344391 Water damage and flood damage are considered two different types of hazards. All homeowner insurance policies exclude coverage in the event that damage was caused by flooding. Thu, 21 May 2009 15:56:29 -0500 http://ezinearticles.com/?A-Flood-Insurance-Policy-is-Often-Misunderstood-by-Homeowners-and-Renters&id=2341045 http://ezinearticles.com/?A-Flood-Insurance-Policy-is-Often-Misunderstood-by-Homeowners-and-Renters&id=2341045 What is the impact of increased flooding risk in the UK? What happens if your home becomes effected by floods? Thu, 21 May 2009 10:39:48 -0500 http://ezinearticles.com/?Buildings-Insurance-and-the-Threat-of-Floods&id=44649 http://ezinearticles.com/?Buildings-Insurance-and-the-Threat-of-Floods&id=44649 Flood Insurance protects your house & possessions from loss by rising water from the outside. Think about a river or creek overflowing into your home... a frightening thought. Homeowner's and other property insurance specifically exclude this peril. The hardest part of understanding both your flood risk and flood insurance policies is the terminology. Most folks are confounded by its mix of insurance and engineering terms. Once you have a key to decipher the flood insurance nomenclature, things will make more sense. You also want to understand what your "Flood Zone" designation means. Finally, I have included an overview of the main components of a flood insurance policy and a couple helpful links. Tue, 19 May 2009 16:21:23 -0500 http://ezinearticles.com/?Understanding-Flood-Insurance&id=2357179 http://ezinearticles.com/?Understanding-Flood-Insurance&id=2357179 A good home insurance policy can protect you against flood damage to your property. Within 24 hours of you contacting your home insurance provider and making a claim a loss adjuster will visit your home or property and assess the situation. Fri, 15 May 2009 09:52:51 -0500 http://ezinearticles.com/?Is-Home-Insurance-a-Good-Idea-For-Protection-Against-Flooding?&id=2341166 http://ezinearticles.com/?Is-Home-Insurance-a-Good-Idea-For-Protection-Against-Flooding?&id=2341166 Things happen when we least expect it. Flood damage can just happen to us and we have no idea when. It can happen to anyone. That is why there are companies offering flood insurance quotes to customers just in case this tragedy happens. Wed, 13 May 2009 14:38:49 -0500 http://ezinearticles.com/?Flood-Insurance-Quotes&id=2330795 http://ezinearticles.com/?Flood-Insurance-Quotes&id=2330795 You were woken up at 12 midnight by the sound of a hailstorm that smashes your windows, followed by a torrential rain that refused to stop. Before you knew it, your home has been covered by damaging water. Will your insurance policy cover this loss? That will depends on the type of insurance you chose to purchase and how the water got into your home. Mon, 04 May 2009 16:01:38 -0500 http://ezinearticles.com/?Flood-Water-Damage-Insurance-What-You-Should-Know&id=1321137 http://ezinearticles.com/?Flood-Water-Damage-Insurance-What-You-Should-Know&id=1321137 New York is one of the United State's most historically rich cities. It has been the starting point for so many new inventions, industries and movements. It has also been strongly affected by severe weather. This article lists the top five worst flood disasters to hit New York in the last 200 years and how each had an impact on the people and businesses of that time. Fri, 24 Apr 2009 09:42:58 -0500 http://ezinearticles.com/?The-Top-5-Devastating-Floods-to-Hit-New-York&id=2256281 http://ezinearticles.com/?The-Top-5-Devastating-Floods-to-Hit-New-York&id=2256281 With the frequency and magnitude of most natural disasters in recent times, you will agree with me that nature seems to be angry with the way and manner we abuse the environment. Some will say, it is a sign of the end times. It is disheartening to see the millions of people affected by natural disasters like the Myanmar Cyclone Nargis, Katrina, China Earthquake and most recently the Iowa flood... Mon, 20 Apr 2009 15:14:06 -0500 http://ezinearticles.com/?Iowa-Flood-Its-Time-to-Consider-Homeowners-and-Flood-Damage-Insurance&id=1322588 http://ezinearticles.com/?Iowa-Flood-Its-Time-to-Consider-Homeowners-and-Flood-Damage-Insurance&id=1322588 A few inches of water can cause thousands of dollars worth of damage. Floods are the number 1 natural disaster in the United States. Sat, 18 Apr 2009 17:14:14 -0500 http://ezinearticles.com/?Think-it-Couldnt-Happen-to-You?&id=2227136 http://ezinearticles.com/?Think-it-Couldnt-Happen-to-You?&id=2227136 No matter where you live in the country, flooding is a very real and very damaging possibility. In the Midwest, rivers like the Mississippi overflow into the streets on a regular basis. Wed, 08 Apr 2009 10:17:20 -0500 http://ezinearticles.com/?Commercial-Flood-Insurance&id=2123174 http://ezinearticles.com/?Commercial-Flood-Insurance&id=2123174 Is Your Home Flood-Proof? According to FEMA, flooding is the most common type of natural disaster, in the U.S. Mon, 06 Apr 2009 09:19:10 -0500 http://ezinearticles.com/?Its-Flood-Season-in-Georgia&id=2158591 http://ezinearticles.com/?Its-Flood-Season-in-Georgia&id=2158591 The clock goes off and you climb out of bed, another routine day. You make the coffee and walk into the bathroom to take a quick shower before work. You turn on the hot water and you wait a second for it to get hot but it doesn't. Mon, 16 Mar 2009 14:34:48 -0500 http://ezinearticles.com/?Homeowners-Insurance-and-Flood-Damage-Things-You-Should-Know&id=2107699 http://ezinearticles.com/?Homeowners-Insurance-and-Flood-Damage-Things-You-Should-Know&id=2107699 With another flood season on the horizon, what should property owners look for from a home insurance policy to ensure they are covered? If you're looking to safeguard your home against the threat of flooding, home insurance cover is vital but you must be careful with the policies you choose. Many providers litter their policies with flood-related exclusions to reflect the increased risk that comes with living in a flood-risk zone. Fri, 06 Mar 2009 13:37:42 -0600 http://ezinearticles.com/?Home-Insurance-For-Flood-Risk-Properties&id=2066520 http://ezinearticles.com/?Home-Insurance-For-Flood-Risk-Properties&id=2066520 As a homeowner in a hurricane region, it is important to know how to prepare your home for stormy weather and how to file your hurricane insurance claim efficiently afterward. Use this advice to make a difficult time a little more manageable. Fri, 06 Mar 2009 09:46:45 -0600 http://ezinearticles.com/?Hurricane-Season-Preparing-Your-Home-and-Hurricane-Insurance-Claim&id=1971391 http://ezinearticles.com/?Hurricane-Season-Preparing-Your-Home-and-Hurricane-Insurance-Claim&id=1971391 Flood insurance coverage is essential to protect the home and its possessions from damages as a result of a flooding. It has become standard practice to take advantage of the availability of additional forms of protection in view of some of the recent natural disasters. Tue, 03 Mar 2009 10:49:29 -0600 http://ezinearticles.com/?Flood-Insurance-Coverage&id=2037696 http://ezinearticles.com/?Flood-Insurance-Coverage&id=2037696 If you live in a high risk flood area your home has a 26% chance of suffering flood damage at some point over the course of your thirty year mortgage. That means that there is a 26% chance that you're going to need to file a homeowners claim using your flood insurance, which means that there is a 26% chance that your insurance company is going to have to pay out a claim. Fri, 27 Feb 2009 07:50:09 -0600 http://ezinearticles.com/?How-to-Lower-the-Premiums-on-Your-Flood-Insurance&id=2042633 http://ezinearticles.com/?How-to-Lower-the-Premiums-on-Your-Flood-Insurance&id=2042633 Be sure your hurricane season insurance coverage will be sufficient for any flood and wind damage your property might sustain. If the insurance company contests your claim, learn how to find a denied insurance claim lawyer. Mon, 16 Feb 2009 13:33:04 -0600 http://ezinearticles.com/?Flood-and-Wind-Preparing-Your-Policy-and-Finding-a-Denied-Insurance-Claim-Lawyer&id=1971364 http://ezinearticles.com/?Flood-and-Wind-Preparing-Your-Policy-and-Finding-a-Denied-Insurance-Claim-Lawyer&id=1971364 What is the impact of increased flooding risk in the UK? What happens if your home becomes effected by flood? Fri, 13 Feb 2009 16:29:54 -0600 http://ezinearticles.com/?Buildings-Insurance-and-the-Threat-of-Flood&id=44649 http://ezinearticles.com/?Buildings-Insurance-and-the-Threat-of-Flood&id=44649 Just recently, Hurricane Ike barreled across the largest city in Texas, creating electrical shortages for 2.1 million residents of Houston, destroying millions of dollars in properties and claiming at least 13 lives. Amidst the flotsam and jetsam of debris from flooded and water damage Houston, TX homes, one would remark at the devastating power of Mother Nature as she unleashes her fury. Fri, 23 Jan 2009 09:01:33 -0600 http://ezinearticles.com/?Protecting-Your-Home-From-Water-Damage-in-Houston,-TX&id=1902412 http://ezinearticles.com/?Protecting-Your-Home-From-Water-Damage-in-Houston,-TX&id=1902412 Heavy rains are the source of major troubles throughout the world every year. Even individuals who believe they live a substantial distance from flood zones can find themselves in danger when rivers outgrow their banks or rain comes too rapidly for drainage canals to handle. Do you know what you would do if your home was assaulted by damaging floodwaters? Fri, 16 Jan 2009 08:38:38 -0600 http://ezinearticles.com/?Flooding-A-Serious-Hazard-During-Winter-Months&id=1880675 http://ezinearticles.com/?Flooding-A-Serious-Hazard-During-Winter-Months&id=1880675 If you're concerned about flooding in your own home, the best thing you can do is to minimize the amount of water that can get inside the house. If possible, have sewer backflow valves installed to keep floodwaters and sewage from backing up into your drains. If this isn't feasible, you can minimize backflow by stopping all drains with drain plugs, weighing down your toilet lids to keep them closed, and disconnecting dishwashers and washing machines. Tue, 13 Jan 2009 08:56:37 -0600 http://ezinearticles.com/?BC-Homeowners-Face-Tough-Times-When-Flooding-Strikes&id=1863746 http://ezinearticles.com/?BC-Homeowners-Face-Tough-Times-When-Flooding-Strikes&id=1863746 Many people think that flood insurance is only for people that own a house along the coast. Others have learned the hard way that flood insurance is important for everyone. Mon, 08 Dec 2008 10:31:14 -0600 http://ezinearticles.com/?Why-Everyone-Should-Have-Flood-Insurance&id=1744284 http://ezinearticles.com/?Why-Everyone-Should-Have-Flood-Insurance&id=1744284 It doesn't always take a raging river overflowing its banks to cause flood damage. 25% of all flood loss claims are filed in areas of low to moderate flood risk. Fri, 05 Dec 2008 14:44:11 -0600 http://ezinearticles.com/?Who-Needs-Flood-Insurance?-More-People-Than-You-Think&id=1339746 http://ezinearticles.com/?Who-Needs-Flood-Insurance?-More-People-Than-You-Think&id=1339746 Each year millions of homeowners experience a flood or other water damage and find out to their shock or horror that they're not covered or they're under insured. To help you avoid this fate, here's the top 10 mistakes most people make when it comes to buying flood damage insurance. Thu, 20 Nov 2008 13:04:53 -0600 http://ezinearticles.com/?Flood-Damage-Update-Top-10-Mistakes-When-Buying-Flood-Damage-Insurance&id=1703880 http://ezinearticles.com/?Flood-Damage-Update-Top-10-Mistakes-When-Buying-Flood-Damage-Insurance&id=1703880 The months between November and April have the highest likelihood for flooding. It is important for home and business owners to think about preparing for this potential disaster. This article describes who should get flood insurance, what coverage they may be best suited for and what questions they should ask their insurance agent. Fri, 14 Nov 2008 15:22:56 -0600 http://ezinearticles.com/?Disaster-Preparation-Flood-Insurance&id=1683844 http://ezinearticles.com/?Disaster-Preparation-Flood-Insurance&id=1683844 Floods can strike quickly, catching many homeowners unawares. Even a small amount of water can lead to thousands of dollars worth of damage, both to personal items and to the structural integrity of the house. In order to reduce the amount of damage your home incurs, it's imperative to plan ahead long before the storm hits. Fri, 14 Nov 2008 13:13:06 -0600 http://ezinearticles.com/?Prepare-Your-Home-For-Rising-Waters&id=1682338 http://ezinearticles.com/?Prepare-Your-Home-For-Rising-Waters&id=1682338 What causes water damage? The most obvious causes of water damage, and those that cannot be avoided, are severe forces of nature, such as hurricanes or floods. Water damage also can occur when a fire is extinguished, from leaking pipes, and malfunctioning washing machines and heaters, as well as leaks in your roofing and siding and from defective gutters, which will cause water to pool around your property and potentially leak into your basement. Tue, 11 Nov 2008 13:42:46 -0600 http://ezinearticles.com/?Water-Damage-FAQ&id=1667248 http://ezinearticles.com/?Water-Damage-FAQ&id=1667248 The floods in Dublin, Belfast and many other parts of Ireland in August 2008 serve as a vivid reminder to designers in the construction industry of the need to take account of the risks of flooding in their designs. This note addresses some of the risks that designers and other construction professionals face and suggests some steps that may be taken to minimise their potential liability. Wed, 05 Nov 2008 16:48:51 -0600 http://ezinearticles.com/?Flooding-The-Risks-For-Design-Consultants&id=1648798 http://ezinearticles.com/?Flooding-The-Risks-For-Design-Consultants&id=1648798 In recent years, British people have been forced to endure some disasters; not least of all flooding in England and Wales. Such flooding has seen hundreds of thousands of people without homes or access to basic infrastructure and services. No one can say exactly why the natural flooding in the UK is happening more frequently, or why it is becoming more severe. Thu, 16 Oct 2008 14:51:17 -0500 http://ezinearticles.com/?Protecting-Your-Home-From-the-Rising-Risk-of-Floods&id=1585183 http://ezinearticles.com/?Protecting-Your-Home-From-the-Rising-Risk-of-Floods&id=1585183 Purchasing flood insurance is not something you want to rush. To properly protect your investments you should take the time to properly prepare before purchasing flood insurance, as rates limits and coverage alter drastically between insurance companies. To help you prepare for your search, please enjoy the following list of tips for finding the right flood insurance. Wed, 15 Oct 2008 14:19:01 -0500 http://ezinearticles.com/?7-Tips-on-Getting-the-Right-Flood-Insurance&id=1570361 http://ezinearticles.com/?7-Tips-on-Getting-the-Right-Flood-Insurance&id=1570361 Floods have become one of the most destructive natural disasters for around two years now. They have destroyed homes and eroded precious land in several parts of the world. This article looks at a few helpful pointers that could aid you in bearing up with the consequences of such floods. Fri, 10 Oct 2008 11:08:19 -0500 http://ezinearticles.com/?A-Guide-to-Post-Flood-Measures&id=1568364 http://ezinearticles.com/?A-Guide-to-Post-Flood-Measures&id=1568364 We have all seen the complete and utter devastation of flood disasters in the United States and the World over the last decade. Did you know more humans have been killed by flooding than any other type of natural disaster? Sure, Earthquakes kill a lot of people, but they kill even more when the dam breaks. Yes, Hurricanes kill a lot of people, but the storm surge is what gets most of them, not the wind. If you look at the major natural disasters in the last century it was flooding that killed the most people. Wed, 08 Oct 2008 15:18:07 -0500 http://ezinearticles.com/?Flood-Insurance-Considerations&id=1555901 http://ezinearticles.com/?Flood-Insurance-Considerations&id=1555901 Did you know that 12% of American households live in a flood zone and do not even know it? That is scary indeed. Do you know if you live in a flood zone? If not there are ways to find out. The easiest way is to go down to the city or county planning department and ask. Wed, 08 Oct 2008 15:17:38 -0500 http://ezinearticles.com/?How-to-Assess-Your-Homes-Flood-Risk-to-Determine-the-Proper-Level-of-Flood-Insurance&id=1555884 http://ezinearticles.com/?How-to-Assess-Your-Homes-Flood-Risk-to-Determine-the-Proper-Level-of-Flood-Insurance&id=1555884 In recent years homeowners have been subjected to increased risk from flood and water damage as Mother Nature continues an active storm cycle and insurance companies reduce flood coverage. Learn how to protect your home from hurricane damage with these quick tips: 1. Check your insurance policy. Wed, 08 Oct 2008 10:21:16 -0500 http://ezinearticles.com/?How-to-Protect-a-Home-From-a-Hurricane&id=1546217 http://ezinearticles.com/?How-to-Protect-a-Home-From-a-Hurricane&id=1546217 British homeowners are increasingly faced with a greater threat of having their homes flooded. However despite the home insurance to cover them in the event that their home does become flooded. Statistics from a recent survey show that almost 40 per cent of homeowners in the UK do not have home insurance cover on their property. The figures also show that men are less likely to take out such a policy than women are. Fri, 26 Sep 2008 15:06:47 -0500 http://ezinearticles.com/?One-in-Three-Homeowners-Dont-Have-Home-Cover-Against-Floods&id=1524497 http://ezinearticles.com/?One-in-Three-Homeowners-Dont-Have-Home-Cover-Against-Floods&id=1524497 It is thought that those who live in areas that suffer from high winds or flooding, there is a good chance that they will be paying more for their home insurance in 2008. Due to re-occurring floods, in some parts of the UK, it has resulted in claims running into the billions; therefore many insurers have already announced that the premiums will begin to increase as a consequence. For the moment, those premiums are set to rise all over Britain, but they could change. Fri, 12 Sep 2008 10:08:01 -0500 http://ezinearticles.com/?Worry-Levels-Rise-With-Floods-Risking-Home-Insurance&id=1477582 http://ezinearticles.com/?Worry-Levels-Rise-With-Floods-Risking-Home-Insurance&id=1477582 Okay, so you have a loss but you didn't think ahead and you do not have a video. It's not too late. Document the damage now. Take pictures and video of everything, again paying attention to details. For example, if your home is flooded, take pictures of the standing water and the damaged contents as well as the structural damage, inside and out. Fri, 29 Aug 2008 15:32:43 -0500 http://ezinearticles.com/?How-to-Document-Your-Way-to-a-Bigger-Insurance-Check&id=1446494 http://ezinearticles.com/?How-to-Document-Your-Way-to-a-Bigger-Insurance-Check&id=1446494 The National Flood Insurance Program (NFIP) was established by congress. Texas residents have a large share of the policies and claims with this program. The main purpose of the NFIP is to reduce destructive flooding events and to make affordable flood insurance available to home and business owners. The NFIP works with local governments to develop standards and programs to reduce flooding in developed areas. Thu, 14 Aug 2008 09:40:37 -0500 http://ezinearticles.com/?National-Flood-Insurance-Program-Information&id=1383032 http://ezinearticles.com/?National-Flood-Insurance-Program-Information&id=1383032 There are three main types of flood damage. You will probably need more than one insurance policy to have good protection from this type of risk. Mon, 11 Aug 2008 11:14:20 -0500 http://ezinearticles.com/?Flooding-Insurance-Information&id=1379994 http://ezinearticles.com/?Flooding-Insurance-Information&id=1379994 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. Fri, 08 Aug 2008 15:30:33 -0500 http://ezinearticles.com/?Do-I-Need-Flood-Insurance?&id=1388960 http://ezinearticles.com/?Do-I-Need-Flood-Insurance?&id=1388960 Frozen pips and broken sub pumps are common reasons for flooding in basements. There are many other reasons basements get flooded but, the majority of water damage comes from frozen pips and broken sub pumps. Will your insurance company cover this? The answer is yes but, it depends on how the clam is reported to the insurance company. Thu, 07 Aug 2008 10:08:36 -0500 http://ezinearticles.com/?What-to-Do-About-Water-Damage&id=1363272 http://ezinearticles.com/?What-to-Do-About-Water-Damage&id=1363272 Hurricanes bring heavy rains and can cause flood damage. You need to be sure you're protected if you live in a hurricane prone area. Don't assume you are. Read this article for detailed information on hurricane protection. Fri, 01 Aug 2008 13:35:47 -0500 http://ezinearticles.com/?Protect-Your-Home-and-Finances-Against-Hurricanes&id=1367476 http://ezinearticles.com/?Protect-Your-Home-and-Finances-Against-Hurricanes&id=1367476 Frozen pips and broken sub pumps are common reasons for flooding in basements. There are many other reasons basements get flooded but, the majority of water damage comes from frozen pips and broken sub pumps. Will your insurance company cover this? The answer is yes but, it depends on how the clam is reported to the insurance company. Thu, 31 Jul 2008 13:47:03 -0500 http://ezinearticles.com/?What-to-Do-About-Water-Damage&id=1363272 http://ezinearticles.com/?What-to-Do-About-Water-Damage&id=1363272 With the frequency and magnitude of most natural disasters in recent times, you will agree with me that nature seems to be angry with the way and manner we abuse the environment. Some will say, it is a sign of the end times. It is disheartening to see the millions of people affected by natural disasters like the Myanmar Cyclone Nargis, Katrina, China Earthquake and most recently the Iowa flood... Wed, 30 Jul 2008 08:59:22 -0500 http://ezinearticles.com/?Iowa-Flood-Its-Time-to-Consider-Homeowners-and-Flood-Damage-Insurance&id=1322588 http://ezinearticles.com/?Iowa-Flood-Its-Time-to-Consider-Homeowners-and-Flood-Damage-Insurance&id=1322588 You were woken up at 12 midnight by the sound of a hailstorm that smashes your windows, followed by a torrential rain that refused to stop. Before you knew it, your home has been covered by damaging water. Will your insurance policy cover this loss? That will depends on the type of insurance you chose to purchase and how the water got into your home. Wed, 30 Jul 2008 08:54:45 -0500 http://ezinearticles.com/?Flood-Water-Damage-Insurance-What-You-Should-Know&id=1321137 http://ezinearticles.com/?Flood-Water-Damage-Insurance-What-You-Should-Know&id=1321137 It doesn't always take a raging river overflowing its banks to cause flood damage. 25% of all flood loss claims are filed in areas of low to moderate flood risk. Fri, 25 Jul 2008 08:27:24 -0500 http://ezinearticles.com/?Who-Needs-Flood-Insurance?-More-People-Than-You-Think&id=1339746 http://ezinearticles.com/?Who-Needs-Flood-Insurance?-More-People-Than-You-Think&id=1339746 With a large amount of people who were effected by the summer floods of 2007 still not having their homes back, the flood warnings have begun early this year. However, will the insurance companies agree to cover you? Mon, 21 Jul 2008 08:52:50 -0500 http://ezinearticles.com/?Home-Insurance-Flood-Row&id=1334456 http://ezinearticles.com/?Home-Insurance-Flood-Row&id=1334456 FEMA has produced a guide for flood preparation and safety. It starts by saying that "The first step in protecting your home and family is purchasing flood insurance." This seems obvious but may people neglect this coverage or put it off for later. Fri, 18 Jul 2008 15:52:13 -0500 http://ezinearticles.com/?Texas-Flood-Insurance-and-Flood-Preparation-Information&id=1323068 http://ezinearticles.com/?Texas-Flood-Insurance-and-Flood-Preparation-Information&id=1323068 A flooding is a harsh experience, difficult to handle at any age, but when it happens to an elderly person it can be devastating. Let's hope that you will never need to use this vital information however, it is better to be prepared rather than sorry. Fri, 18 Jul 2008 13:20:37 -0500 http://ezinearticles.com/?How-To-Be-Prepared-For-A-Flooding-Or-Serious-Water-Damage&id=1326303 http://ezinearticles.com/?How-To-Be-Prepared-For-A-Flooding-Or-Serious-Water-Damage&id=1326303 Sitting in my office today, I heard about Hurricane Bertha which literally overnight went from tropical storm to Category 3 overnight. This took me back in time 3 years to when Katrina hit the Gulf of Mexico. Fri, 11 Jul 2008 10:17:26 -0500 http://ezinearticles.com/?No-Insurance?-Hurricane-Season-is-Back&id=1311385 http://ezinearticles.com/?No-Insurance?-Hurricane-Season-is-Back&id=1311385 Flood is the number one threat amongst all the natural disasters so it pays to be protected against it. Get the basic tips on getting flood coverage insurance and what you need to look out for. Tue, 08 Jul 2008 14:53:14 -0500 http://ezinearticles.com/?Are-You-Insured-For-Floods?&id=1304000 http://ezinearticles.com/?Are-You-Insured-For-Floods?&id=1304000 Sir Michael Pitt called for fundamental changes in the way Britain adapts to the increased chances of flooding following last year's storms. The floods led to around 165,000 home insurance claims and there are lessons to be learned both for the Government and for homeowners. In his independent review, Mr Pitt suggested a cabinet committee be established that is dedicated to tackling the risks of flooding. Wed, 02 Jul 2008 16:45:44 -0500 http://ezinearticles.com/?Learning-Lessons-From-the-Floods-of-2007&id=1293230 http://ezinearticles.com/?Learning-Lessons-From-the-Floods-of-2007&id=1293230 As a Harris County appraiser, I have witnessed a lot of fictions with concern to flooding in Houston and Harris County. With storm season once again nearing, I believed this could be a goodmatter to talk about. Fri, 27 Jun 2008 14:20:31 -0500 http://ezinearticles.com/?Harris-County-Appraiser-Texas-House-and-Property&id=1276872 http://ezinearticles.com/?Harris-County-Appraiser-Texas-House-and-Property&id=1276872 A full year has passed since floods battered the UK leaving thousands of homeowners reaching for their home insurance policies to bail them out of a financial disaster. So what lessons can we learn in case the floods strike again? Fri, 06 Jun 2008 09:19:28 -0500 http://ezinearticles.com/?What-to-Do-If-a-Flood-Hits-You&id=1226568 http://ezinearticles.com/?What-to-Do-If-a-Flood-Hits-You&id=1226568 Most people around the world believe that flooding, earthquakes and other natural disasters have nothing to do with them. However this belief should be thoroughly verified. Wed, 21 May 2008 09:07:17 -0500 http://ezinearticles.com/?Flood-Insurance-For-Your-House&id=1183856 http://ezinearticles.com/?Flood-Insurance-For-Your-House&id=1183856 The insurance industry has warned that many new homes could be left on the housing market and become un-insurable unless the government introduces new rigid planning controls for flood risk areas. By the year 2020, a third of the 3 million proposed homes set to be built in Britain, could be on a flood plain according to the Association of British Insurers (ABI). If this is the case the ABI have warned their members that they may not be able to continue to offer flood cover as standard on home insurance. Tue, 20 May 2008 11:18:09 -0500 http://ezinearticles.com/?Home-Insurance-Risk-For-Flood-Plain-Areas&id=1177975 http://ezinearticles.com/?Home-Insurance-Risk-For-Flood-Plain-Areas&id=1177975 As brought to you in a previous article, we learnt that FEMA has placed over 20,000 communities into different categories of flood zones. The zones tell you whether your property is in a high flood risk area. it is vital that you know the flood risk rating of your property. Fri, 16 May 2008 08:55:38 -0500 http://ezinearticles.com/?Home-Insurance-Know-Your-Property-Flood-Zoning-Part-2&id=1175769 http://ezinearticles.com/?Home-Insurance-Know-Your-Property-Flood-Zoning-Part-2&id=1175769 The NFIP administers flood insurance to home owner's and renters. They are also in charge of mapping flood zones as shown on a community's flood hazard boundary map or a flood insurance rate map. Fri, 16 May 2008 08:54:07 -0500 http://ezinearticles.com/?Home-Insurance-Know-Your-Property-Flood-Zoning-Part-1&id=1175758 http://ezinearticles.com/?Home-Insurance-Know-Your-Property-Flood-Zoning-Part-1&id=1175758 Flooding can happen at any moment and for any reason. Mother Nature can run her course and create flood conditions or a water main may break. Read on to see the importance in checking what your home is insured for. Thu, 15 May 2008 10:07:11 -0500 http://ezinearticles.com/?Does-My-Home-Insurance-Cover-Me-For-Flood-Damages?&id=1175345 http://ezinearticles.com/?Does-My-Home-Insurance-Cover-Me-For-Flood-Damages?&id=1175345 We should be grateful for the fact that floods do not just happen suddenly at least we are given a little notice. When this notice comes, there are things you need to do to prepare for the flood. Wed, 14 May 2008 09:23:46 -0500 http://ezinearticles.com/?Home-Insurance-Preparing-For-Flood-And-Its-Aftermath&id=1169643 http://ezinearticles.com/?Home-Insurance-Preparing-For-Flood-And-Its-Aftermath&id=1169643 The biggest investment most Americans would have is their home, so isn't it wisdom to protect that investment? Home owner's insurance policy is a compulsory requirement before mortgagors would consider your application and the insurance amount must at least cover the loan. But that is not enough; if you live in an area that is prone to floods then you need to get a separate cover for flood. Wed, 14 May 2008 09:21:18 -0500 http://ezinearticles.com/?Home-Owners-Insurance-Flooding&id=1169636 http://ezinearticles.com/?Home-Owners-Insurance-Flooding&id=1169636 As one of the leading builders in Mississippi our goal is to lead by example. Most builders are negligent on many factors and this does not hurt them since the investor is the one that owns the house and is stuck with the problems in the end. Thu, 08 May 2008 09:59:04 -0500 http://ezinearticles.com/?Semi-Wind-Resistive-and-IBHS-Fortified-Construction-in-MS-HUGE-Insurance-Savings&id=1162357 http://ezinearticles.com/?Semi-Wind-Resistive-and-IBHS-Fortified-Construction-in-MS-HUGE-Insurance-Savings&id=1162357 On the back of the horrendous flooding that is said to have cost home insurance companies more than 3 billion in claims last year, the Association of British Insurers (ABI) has demanded a 25-year strategy to manage floods in the UK. The ABI suggests a single national body should be developed to deal with future flood crises and that there should be a significant investment programme and planning controls implemented that will reduce the impact of future flooding. Tue, 22 Apr 2008 11:33:27 -0500 http://ezinearticles.com/?Calls-For-25-Year-Flood-Risk-Strategy&id=1119035 http://ezinearticles.com/?Calls-For-25-Year-Flood-Risk-Strategy&id=1119035 Copyright 2009 EzineArticles.com - All Rights Reserved.