Flood Insurance

Flood insurance premiums are changing under new laws

Congress recently passed the Flood Insurance Reform Act of 2012 (Biggert-Waters) and the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) which result in many importantchanges to the National Flood Insurance Program (NFIP). that will be effective on April 1, 2015 and will affect Flood Insurance premiums. The NFIP defines special high-risk flood hazard areas …

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Hurricane Sandy is coming – Should you evacuate?

Henry D Young Inc Insurance Agency Blog Hurricane Sandy is coming our way. Should you evacuate? Checking the flood map for your city may help you decide. First – Select your State, County and Town. Then click on “Get Current FEMA Issued Flood Maps”. Click on “View”, not “Buy” icon. You will be able to …

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Buying flood insurance will help you protect your home

Flood damage is not covered by your homeowners insurance. Floods are the most common natural disaster in the U.S. Given the amount of snow the Northeast receives, the arrival of spring could bring some serious flooding in our area. Most people know of the need for flood insurance in high-risk or coastal areas but, it is …

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Are You Prepared for Hurricane Season?

This is National Hurricane Preparedness Week. It runs from May 27 through June 2. The Atlantic hurricane season will officially start on Friday, June 1st. Although the people along the southeastern United States might argue with that date, since they’ve already been hit by a tropical storm. Do you know what your insurance policy covers …

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Flood Insurance: What It’s All About

March 12-16th is Flood Safety Awareness Week. Unfortunately, many people may not be aware that flood damage is not covered by homeowners insurance. Many consumers are unaware that, even if their homes are ruined by a hurricane, they are not insured due to a lack of flood insurance. Insurance against flooding (rising water) is different from insurance against …

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