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Posts Tagged ‘NFIP

Flood Insurance Maps in New Jersey

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Flood insurance takes 30 days to put into effect. So start now if you want it when you need it.  Try our site for quotes.  Click here, fill in what you can, and we will help you get a quote. (Remember to fill in the security code at the bottom.)

Here is a link to the new flood insurance maps in NJ. This uses National Flood Insurance Program (NFIP) data (part of the Federal Emergency Management Agency or FEMA).

While we can’t guarantee these maps, because we don’t control the site, they have been useful to us in counseling clients.  There have been winners and losers in the new maps; some New Jersey areas have been moved to lower risk designations, many have moved to higher risk and higher costs.

With new maps in place, individuals whose property was damaged by Hurricane Sandy now know how high they have to raise their property to qualify for lower rates.

But keep an eye on rate changes.  While the FEMA/NFIP program states that prices will rise under caps, the caps come off when you make certain changes.  That’s when you see the headlines about people whose flood insurance rate has gone up 100% or even 1,000%.

If you have questions, need some advice, want to change agents, or need to start a flood policy, please give us a call at 1-800-548-2329, extension 117.   Para Español, ext. 110

Flood Insurance – Hurricane Season Coming Soon

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The National Flood Insurance Program (NFIP) sent us this warning/outlook for flood insurance 2013.   In summary, another tough hurricane season forecast, which means more  flooding.  And flood insurance takes 30 days to get in place.  (Click here for our flood insurance page and quick quote page.)

Hurricane Season Outlook 2013
Experts are calling for an active Atlantic hurricane season, which means it could also be an active flood season. In their annual spring forecast, Colorado State University Meteorologists Philip Klotzbach and William Gray predicted 18 named storms, 9 hurricanes, and 4 additional major hurricanes. They suggest there is a 96 percent chance a storm will hit the United States.
Hurricane season is the optimal time to speak to new and existing customers about flood insurance. The prospect of potentially damaging storms provides context for the flood talk, as it reminds consumers that flood risk is real. Homeowners still remember Hurricane Irene’s impact in 2011 and the destruction from Sandy last October. While flood risk is top of mind, you have an opportunity to target existing customers without a flood insurance policy and teach them how flood insurance can help them recover from a flood. For clients in a Non-Special Flood Hazard Area (NSFHA) who are within the “one mile buffer zone,” explain that floods don’t stop at a line on a map.
Show clients and prospects who don’t have flood insurance how they might be affected by hurricane season. Use the Flood Risk Scenarios tool to illustrate how tropical storms and heavy rains can cause flooding. Remind them that if it can rain, it can flood. It’s also important to let your clients know that most homeowners insurance policies do not cover floods; instead, only flood insurance provides the financial protection property owners need.
Help your clients protect their assets by encouraging them to obtain flood insurance today. There’s a 30-day waiting period before a flood policy takes effect, so don’t delay in communicating this important message.

Prepare for disasters in advance

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Hurricane season for 2013 starts in less than a month.  Preparing in advance may take more time than we have before the next hurricane.  Or you may have a couple of years before the next major hurricane strikes you.  Either way, here are some locations for preparation advice.

Residential preparation: Click here for the pamphlet on preparing for hurricane damage to homes.

Or go to this link for more catastrophe preparation and response info and suggestions from Travelers Insurance and Hanover Insurance.

Business preparation: Click here for the page leading to a full business recovery preparation program.  This is an excellent introduction to developing a step by step business recovery plan.  If you would like help with this or additional resources, call us at 1-800-548-2329 ext. 101

After two years of significant hurricane damage in the Northeast, we should all be on our toes about catastrophe preparation and catastrophe insurance (flood and windstorm).  The odds of another serious storm are exactly the same as they were in 2011 and 2012.

Flood Insurance information sites for New Jersey

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Here is a list of information sites for floods and flood insurance.  If you want information about flood insurance in New Jersey, please call us at 1-800-548-2329.  Or click here to enter basic information to start a flood insurance quote.  This is the National Hurricane Center site.  As we write this, there are three tropical events, one by Texas, one strengthening and heading for Florida, and one forming near Africa.  If you’re reading this in December, we hope there’s nothing on the NHC map. takes you to a site with information on NJ Flood insurance. This is the site for the US Geological Survey real-time water data for NJ rivers. This is the site for the Federal Emergency Management Agency.

Click here for the site for the National Flood Insurance Program.

Flood Insurance vs. Hurricane Season

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Flood Insurance typically takes 30 days to go into effect. We’re headed into the peak of the Hurricane Season in the Northeast. Combination? Lots of folks who will be surprised to learn what is and isn’t covered by their Commercial Insurance.

That 30 day rule is built into the NFIP and FEMA rules for flood insurance.

Click here for a link to our Flood Insurance Information page.

Click here to start a Quick Quote for Flood Insurance.

This link to the Insurance Information Institute mentions Homeowners Insurance but the facts apply to Business Insurance as well.

Click for III Hurricane and Flood info

The National Flood Insurance Program (NFIP) provides information or call us at 1-800-548-2329.  Or Click Here to reach our Flood Insurance Page

Click here for NFIP info

Cost of flooding…

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This interactive video from the National Flood Insurance Program is aimed at home owners but gives small businesses an idea of how much damage even a minor flood can do to a building.  And the answer is, a whole lot of damage.

Click here for the NFIP video

Following flood conditions in rivers and streams

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If you would like to follow the increase in streamflows around NJ (in case the weather forecast comes true), here’s the official US waterdata site for NJ. The little green and orange dotes (average and low flow) will turn blue, or black if they’re going to flood. Or check us at  if you have any questions.

Written by gbwinsurance

September 29, 2010 at 2:23 pm