Saturday, July 30, 2022Parts 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. Amazingly, after hundreds of car rescues from trapped/stranded motorists many homeowners found basements filling up with water. READ MORE >>
Thursday, April 29, 2021Spring 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, 2020As 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. Water which runs on top of driveway, patio, deck or the yard is called surface water. Surface water entering a home simply is NOT covered by home policies. READ MORE >>
Wednesday, July 31, 2019I 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, 2017In 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? First the reason you may be recently mapped into a flood zone is all the new building upstream or downstream of your homes location. READ MORE >>
Tuesday, July 18, 2017On 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.S. small business admin. READ MORE >>
Wednesday, September 21, 2016not 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? The 100 year flood label means that severity has a 1% chance of happening in a given year, not that it could happen once per century. READ MORE >>
Sunday, July 17, 2016All 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. Flood Insurance protects the home against this type of loss. READ MORE >>
Wednesday, December 9, 2015NO. 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. Insurance companies may write some earthquake, provided home is built 1960 or newer, while not writing the older homes. READ MORE >>
Thursday, January 22, 2015Flood 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 breaker box(including electrical outlets and switches), deep freezer(not a fridge) and sump pumps. READ MORE >>
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