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Will You Need Hurricane Insurance Now If You Live On The East Coast

There is a difference between “needing” and “required” and even after the sad effects Hurricane Sandy put on homes and families on the east coast, some mortgage lenders were hit so hard they have made hurricane insurance a “subject to” condition to future homeowner insurance policies. But if you want to face facts you might discover that there are probably thousands of homeowner’s who misunderstood what their “original’ homeowner’s insurance policy covers; merely assuming needed coverage was actually included.

If you live in an “at-risk” region of the east coast, hurricane insurance coverage is a necessary requirement for protecting your home. And although the standard homeowner policy will cover any wind storm damage, the “mouse print” in your policy states that any post water or flood damage that occurred during and after a hurricane is not covered. That folks is why each and every person living on the east coast and having or planning to buy a homeowner’s insurance policy should know NOT what the policy will cover, but what the policy WILL NOT cover.

Some hurricane insurance can be a “rider” to your homeowner policy and cover resulting wind and water damage. It also includes fire, repairs to your home, and removal of all debris in and around your property. It can also provide replacement cost for personal property as well as living expenses. That said common sense should tell you that you would need to purchase a policy offering enough coverage to replace your hurricane-ridden home, but since you live in a coastal region of the east coast, the cost may be unreasonable.

Mother Nature has few friends when it comes to hurricanes and she always bats last. Ergo, it’s incumbent on the homeowner to seek as much coverage protection as they can afford. One way to do that is to get moving purchasing hurricane insurance now, not after the windstorm is 10 miles away. Some insurance companies, and you’ll have to do some due diligence to find them, will offer a home insurance “rider” as mentioned earlier, that covers hurricane related damages. Taking this “rider” path will normally change the deductible you’ll incur from a flat rate to a percentage of the overall coverage limit of any hurricane related claims. This approach for a small extra premium “rider cost” will change the coverage of your existing homeowner’s policy to extend to storm damage caused by a hurricane.

Living on the east coast you’ll need hurricane insurance. Here are three ways to save money on your hurricane insurance policy:

** Raise the deductible to help reduce the premium but only if you can afford it.
** Buy a home or renovate your existing home so that it is more “hurricane resistant.” A brick home will withstand hurricane-force winds better than one made of siding.
** Some insurance carriers will give discounts for having wind resistant construction features added.

Finally when shopping for hurricane insurance get quotes about discounts and other cost saving opportunities available before buying and you should also consider exploring a flooding insurance policy so you are fully protected from all of mother natures elements, except of course earthquakes, volcanoes, sinkholes and probably a few other things like spaceships.

Tips To Avoid Basement Flooding Problems By Proper Drain Maintenance

Making sure your drains are properly clean is something that everyone should do. There is a multitude of problems that can arise from clogged pipes and drains. It’s a task that you can do yourself, but it’s probably best to contact a trained professional to do the job. The experts will make sure the job is done properly, and can even give you tips on how to prevent problems from happening again. Most associated issues that come from clogged drains result in a messy, disgusting mess that you probably do not want to clean yourself. Regardless, it can be done.

When a drain goes left uncleaned for a certain time frame, debris and waste can build up in the pipes. This leads to a decrease in water flow that can result in an overflow. Overflows are not pretty. They most commonly happen in the bathroom, although they can occur anywhere in the home that drains are present. Overflows don’t always occur over time. They can happen in the blink of an eye. If an object with significant size happens to go down the drain, it can immediately cause a backup, which can lead to the costly expense of hiring a water cleanup firm. Through the proper maintenance and

The most common problem with not cleaning your drains is property damage. When the water source overflows, it can damage all nearby walls, floors, and basically any other item that is in it’s path. This can cause hundreds, if not thousands of dollars if the damage is great enough. The only real way to prevent this from happening is by routine drain cleaning and clearing. Eventually, pipes will get clogged. It is inevitable. It needs to be taken care of before it happens. The cost of repairing the damage will be much more than getting someone to clean out your drains, especially if you do it yourself. Damage isn’t the only hazard caused by clogged drains however.

Many people don’t realize it, but serious health risks can come from overflows. As previously stated, most overflows occur in the bathroom. That means that the water coming back into the home will most likely contain waste. Waste harbors dangerous bacteria that can cause infections and disease. Not to mention, no one wants to be standing ankle deep in waste. It’s just disgusting. Aside from that there is another health hazard that can be overlooked. Excess water that may be left behind can become mold. While mold may not be thought of as an extreme danger, it can be. It can cause a variety of respiratory issues that can be very serious. Those that already have preexisting ailments such as asthma are the most at risk. It can literally be fatal.

Although it may be a nuisance, cleaning and clearing your drains is also a necessity. It will save you time, money, and possibly your health. There are just to many bad things that can happen for you not to clean your drains. It may cost some money and seem like a hassle at first, but you’ll be happy in the long run.

Flooding In Numerous Communities In Ohio and Michigan Following Storms

Severe thunderstorms and heavy rainfall have pounded parts of the Midwest and the Deep South throughout the beginning of the week, and it looks as though the rainfall will not decrease into the end of the week. The threat of severe thunderstorms will not be as high on Tuesday as it has been over the past couple of days though. Flash flooding will now be a main point of concern, especially for parts of Texas. Generally, it has been a very dry 2014 so far for central and south Texas.

On Tuesday, isolated severe storms will be present over parts of the Ohio Valley, Great Lakes, and the Mid-Atlantic. Heavy rainfall will be more than likely from parts of the Great Lakes to parts of Texas and even Louisiana. Also, flash flooding is also a possibility where the heavier rainfall occurs. The cities that are expected to see the worst of this system are Houston, Corpus Christi, and Memphis.

There will be a spike in the threat of severe thunderstorms in the Deep South, Tennessee Valley, and Ohio Valley on Wednesday, with the severe threats being damaging straight-line winds, a few tornadoes possible, and local flash flooding. The cities that are predicted to be impacted the most are Cincinnati, Nashville, and Birmingham.
On Thursday, the severe thunderstorms are predicted to hit from Georgia to the Carolinas, and even western and


Upstate New York. Asheville, Charleston, and Pittsburgh may be negatively impacted by this cell.
Starting on Friday, the threat of local flash flooding will move into the Northeast. This will make a wet commute to and from work, with flight delays possible from New York City to Washington D.C. The cities that are expected to be impacted the most are Washington, Philadelphia, New York City, and Syracuse. Ohio and Texas have experienced severe flash flooding and power outages on Monday night throughout the day on Tuesday as well.