Saturday, July 30, 2022

Flooding & Homeowner Insurance from 7/26/2022 11" storm

Parts of the St Louis region received as much as 8" of rain in 6 hours and a total of 11" in 24-hour period beating a record from July 1915. READ MORE >>

Thursday, April 29, 2021

Flood Insurance in Missouri

Spring is back, rain is back.  It is not necessary to live near a creek to have flooding issues.  Hard pounding rain water becomes surface water, rides on top of the surface, entering a home is NOT covered by any homeowner policy. READ MORE >>

Tuesday, February 4, 2020

Flood Insurance Reminder

As we approach Spring, be ready for rain, rain, and more rain.  As a reminder to all homeowners, rains which enter into a home are NOT covered by homeowner policies. READ MORE >>

Wednesday, July 31, 2019

Recently Mapped into Flood Zone

I blogged in 2017 about this and decided to reprint with a few modifications. In all the years you have lived in your home it has never been flooded, now you are told you are recently mapped into a flood zone, typically A or AE zone, now what? READ MORE >>

Sunday, September 17, 2017

Newly mapped into a flood zone

In all the years you have lived in your home it has never been flooded, now you are told you are recently mapped into a flood zone, typically A or AE zone, now what? READ MORE >>

Tuesday, July 18, 2017

Flood Info on 4-28-17 and 5-11-17

On 7-14-17, FEMA(Federal Emergency Mgmt Agency)announced two weeks remain for Missouri Homeowners, Renters and Businesses to apply for disaster assistance, deadline is 8-1-2017, for low interest loans from the U. READ MORE >>

Wednesday, September 21, 2016

Does 100 year flood mean once every 100 years?

not exactly, recently(5/16) I came upon an article in PIA trade magazine addressing this frequent question.  If I am in 100 year flood plain and recently experienced flood damage am I in the clear for next 99 years? READ MORE >>

Sunday, July 17, 2016

How does Flood Insurance work?

All Homeowner policy forms(home, condo, rental property and renters) specifically exclude flood.  Flood is another term for surface water, water that is on top of ground from rivers, creeks overflowing or heavy rains. READ MORE >>

Wednesday, December 9, 2015

Does my home insurance cover damage caused by earthquake or flood?

NO.  A standard homeowner policy does NOT generally cover damage caused by earthquake and floods.  These sources of damage require additional coverage or a separate policy. READ MORE >>

Thursday, January 22, 2015

Flood Insurance Facts

Flood policies do NOT cover finished basements.  Some of the items covered by Flood policies:  Drywall for walls and ceilings(not taped), cleanup, furnace, hot water heater, circuit ... READ MORE >>