Archive for the ‘Flood Damage’ Category

Tioga County Residents Flood Insurance News

Sunday, December 6th, 2009
Graphic from Tioga County website

Graphic from Tioga County website

Much anticipated flood maps will be displayed on Tuesday, December 8, 2009 from 4:00 pm to 8:0 pm at the Tioga County Office Building (56 Main St in Oswego). The maps are only preliminary, but will give residents an idea about if their homes are in a flood plain.

Information from the National Flood Insurance Program will be included at this event as anyone who lives in a flood plain will have to purchase flood insurance. PressConnects.com reports:

“Tioga County residents and municipalities suffered millions of dollars in flood damage in the last several years, culminating in a devastating flood in June 2006 and a flash flood five months later.

The new maps are part of a five-year, $1 billion program to provide updated, digitized flood maps for 92 percent of the nation’s population.”

Mary Colvin, the Mitigation Division of FEMA’s Region II, was interviewed and she advised:

“While most locations in Tioga County do not have significant changes, the Village of Nichols is protected by a levee system that may not meet mapping standards…The fact that the Nichols levee may not provide adequate protection means an increase in the number of flood-prone properties there.

…The single biggest mitigation option is flood insurance…If you’re currently out of the flood zone, but are going into it under the new maps, you should buy it now. That way, your current, less risky flood zone designation can be ‘grandfathered’ in.”

Learn more about flood insurance basics.

With the cold winter months already upon us, there are more than just floods from natural disaster. Home and business owners often neglect to weatherize a building. Freezing weather can lead to frozen pipes, which will bring flooding. Is your home insured for damages caused by broken pipes? Learn more about preventing burst pipes.


Projects one should do now to avoid problems later

Tuesday, November 17th, 2009

Photo by chudo.sveta

Photo by chudo.sveta

The Cooperator, a New York-based newspaper aimed at those who run and live in condominiums and co-ops, has released an article about how condo administrators are trying to cut costs in the areas of maintenance and building improvement. One of the strategies being implemented is taking a look at what projects can be put off until later without just prolonging the inevitable. Advice the newspaper found follows:

  • Safety First
    Any maintenance work that impacts the safety of residents must always be done ASAP. This includes fixing leaking pipes, broken elevators, falling fire escapes, faulty water tanks, etc. Water in a building must always be safe and accessible and fire prevention can never be overlooked. Leaks must always be fixed to prevent mold growth.

  • Take an Honest Look
    When trying to budget maintenance costs, one needs to take a look at the business and what areas honestly need attention. It does not make sense to make small repairs over and over in one area. These types of repairs, states a New York co-op attorney that was interview, are an obvious sign that something is very wrong.

Read more from this article.

Never let physical problems lead legal ones. When there is water or fire damage professionals need to be called in to assist in the restoration of the building or home. Learn more about restoration services regarding:

How not to file a flood insurance claim

Thursday, November 5th, 2009
Photo by Noah Sussman

Photo by Noah Sussman

A man in Tioga County, New York called his insurance company. He reported his washing machine’s hose broke and his whole basement flooded and his personal items had extreme water damage. Thank goodness he had flood insurance because he filed a claim for his damaged television stand, parts of a sound system, and couch. The man’s flood insurance would have come in handy if all his reports were true.

An insurance company is not going to hand over a check to any person that claims they have sustained water damage in the home. Claims are always investigated. Upon investigation, it was found that the TV stand and sound system were not damaged by water…and they did not even belong to the man making the false claim. The couch that was said to have sustained flood damage was found to not even have been in the basement at the time of the flooding.

The report of the flooded basement due to the broken washing machine hose was true. The New York man making the report could have probably received payment for an honest flood insurance claim to remediate any wet carpets or wet documents or prevent mold damage. But instead, he now gets to face 4th-degree insurance fraud charges, a 1st-degree charge on the count of faking business records, and a possible 4-year jail sentence: all this over trying to get $5,300 in “free” cash. When it comes to flood insurance claims, the insurance companies will not be fooled. More on this story.

Find out real facts about flood insurance and how it can help home and business owners recover after a flood.

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