Homeowner Insurance

by Ed S. Flood Insurance Expert in Chicago Illinois Homeowners insurance covers a particular policyholder against many potentially disastrous perils. But as anyone who has made a claim for losses after a hurricane knows very well, regular homeowners insurance does cover flood damage.  To be properly covered against the consequences of a flood loss, a special coverage offered by the NFIP or the National Flood Insurance Program is necessary. The Federal Emergency Management Administration...Read Full Story

The current cold weather has led to problems for landlords with unoccupied vacant properties. As the thaw sets in Endsleigh Insurance is advising landlords to take precautions against water damage caused by leaking pipes and frost damaged water tanks.   Alex Stutchbury of Endsleigh Insurance explains; “The problem is the recent deep chill on the back of the already cold seasonal weather. As temperatures start to rise again and frozen pipework thaws out, any damage caused will start to leak...Read Full Story

Utah Flood Certificates Flood Certificates report the relative vertical distance above or below a base flood elevation from a Flood Insurance Rate Map (FIRM). The FIRMs were produced by the Federal Emergency Management Agency of our federal government for use in the National Flood Insurance Program. The FIRMs were designed to help determine whether a property and building were in a special flood hazard area. The FIRM typically shows no buildings, and many minor or residential...Read Full Story

Winter storms spell more trouble than just poor driving conditions and stress on your home and roof, because as  winter snow melts and causes local bodies of water to rise, your home may be in danger of flooding. Even if your community has taken measures to protect residents against flood, such as through the construction of levee systems, you may still be at risk. Home insurance policies provide no protection against the damages that follow a flood. It doesn’t matter if your home or...Read Full Story

2011 destructive weather which included tornadoes, floods and hurricanes means that the cost of  your homeowners insurance in Ohio is likely continue to climb. The price of home insurance has been increasing even before the storms in 2011. Prices have been increasing steadily for over three years now.  You see, insurance companies are forbidden to increase rates to recoup past losses.  However they have to base rates on the predicted future losses they expect, and a insurance...Read Full Story