Flood Insurance 101

Getting a good flood insurance policy especially if you reside on highly or frequently flooded areas, is a must. This is one of the best ways to safeguard your family from sudden loss of income, property, and even lives. A flood insurance Florida is designed to cover direct damages that are caused by flood on a particular area. However, it is first vital to define what flood is. In layman’s term, it is the concentration of excessive water on normally dry land areas. Flood is characterized by: mudflow, an overflow of tidal waters, rapid or abnormal accumulation of water from a definite source, and a calamitous collapse of land area along a body of water which is caused by soil erosion, strong water currents or waves.

In getting a flood insurance policy, however, there are some important facts that you need to know. First off, you must understand that in purchasing contents coverage, you need to do it on a separate basis. Second, a flood insurance plan is definitely not a valued insurance policy. Valued policies are deigned to pay particular limits of liability during a situation of total property loss. Flood insurance plans, on the other hand merely pays off damages or costs that are within the policy limit. This means that only the cost of damages are covered during an event of total property loss. And finally, a flood insurance policy is not an assurance for a replacement cost. Guaranteed replacement costs insurance policies cover the expenses needed to rebuild your home in spite of the liability limit.

So what is covered by a flood insurance policy? Basically, the only aspect that a flood insurance policy covers is the physical damage that is caused by the flood to your house and property. For instance, if certain damage, say a sewage backup, is directly caused by the flooding, then the insurance policy will cover this. Similar problems will also be covered by the insurance policy. Nevertheless, a flood insurance Florida is very essential for you and your family.

Tree houses

Tree houses are structures built amongst the branches or within the outer structure of a tree. They are normally raised above the ground and are made of wooden materials such as timber. They can be lived in as a permanent housing solution, or they can be used as a playhouse for younger children.

What are Tree Houses used for?

When you think of a tree house, you automatically think of a house, which is used by young mischievous children. However they are also seen as an environmentally friendly way of building housing in forestry areas. Because they are raised off the ground, it is not necessary to destroy plants and tress to build them. Therefore they can solve the problem of housing in an area where people might have lived in tents or built houses on top of wildlife areas. In some countries they live in tree houses, not just to save the environment but also to protect their homes, food and belongings from wild animals.

What are They Made of?

Wood is usually the main component used when building a tree house, however they may have metal framework. Sometimes recycled materials are used, majority of the time, doors and windows are items that may have been claimed from junk yards or building site waste. This is a cost effective, eco-friendly way of building a tree house.

How popular are Tree Houses?

Tree Houses, have become more popular in recent years, countries such as the United States and even the UK have seen a rise in the use of tree houses for recreational purposes. Most people build tree houses for their children to use as a play house, or a hideaway. However some people also use tree houses as an alternative home office or extra room.

There has been a major surge in the popularity of tree houses, with there being so many different styles to choose from, it can be hard to pick.

However, gone are the days when you just built your tree house for your son or daughter yourself. There are a few very good professional tree house building companies out there. Most of them offer some very competitive prices, as well as a wide range of styles to suit your needs. Tree houses are making a comeback, and they are not just for the goonies in the 1980’s film by the same name. They are pretty much for everyone. With retro styling being considered “cool” tree houses are welcome additions to the list of all things retro.

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House Painter

Are you looking forward to paint your house? Then it is time that you look for a good house painter. You would find lots of painter, but is important for you to get the best professional house painter who would be able to give a new look to your house. It is very important that your house is washed and that too four sides of it.

As you know it is not possible to wash all the four sides in a single day if your house is too big but it can be done in a period of three to four days. Even you can go for painting of your house but it is best if you can go for a professional one who would be able to do all the work in just a few days without taking much of your time.

Using the right type of paint

When it comes to painting your house, then it is very important that you choose the right color. There are professional house painters who can give you advice on the type of colors that would suit your house. But there are people who go for choosing odd colors that destroy the beauty of the house. The painters also go for using latex paint in the exterior of the house which helps in letting the moisture out of the house.

If you go for oil base then it can suffer from cracking as well as peeling. So, this is the main reason why it is very important to choose the right type of paint for your house. You should never go for using inferior paints and then losing all the hard labor. So, get the best paint with a good color and hire a professional painter and you would see your house sparkling.

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Does Your Home Owners Policy Cover Water Damage

Broken pipes, appliances that leak or water in the basement are common causes of the claims. Before these events take place, you need to know just what your policy covers. Flood damage is another area of insurance altogether when it comes to home owner’s cover.

Understanding just what your policy covers is sometimes hard and confusing. Most policies will cover damages that are caused by water that causes structural damages to the house. The policy will not replace the appliance or parts for the appliance if the damage is caused by a washing machine leak or a water heater leak. Replacement of flooring, rugs and possibly resurfacing a floor will be covered by the policy, but in the case of floods by nature a separate policy will be needed to cover whatever damages such a disaster might cause.

Pipes bursting from a hard freeze will be covered by a basic policy. This will take care of the pipes, flooring and any furnishings that are damaged. The insurance company may even pay to have preventative insulation placed around the pipes after they are repaired so that this does not happen again.

Storm damages are often covered by the basic policies that most home owners will purchase for their home. A tree limb falling on the roof and causing the roof to have to be repaired will be covered as long as the home can continually be occupied while the repairs are being made. A separate insurance again will be needed to cover expenses should you and your family have to leave the residence during the repair period.

Purchasing by the year saves a lot of money. When you purchase a policy that is paid month by month you are essentially borrowing the full purchase price at astronomic interest rates.

Purchase a longer policy and some of the savings benefits will be passed on to your next year’s policy as well with many provider companies. Flood damages are covered by flood insurances and will be cost rated according to the geographic of where you live. If for example a creek does rise seasonally, there will be a higher cost than the possibility of flood once in a blue moon.

Doing your research is easily done by comparing home insurance quotes over the Internet and then contacting a local company. Set up an appointment to discuss your needs and how best to cover the obligations each home owner bears as a property owner. The representative should be able to give you information about several different plans in various price ranges and help you decide what will best suit the requirements you have.

Preparing for life’s unforeseen events is all part of making sure that your home and family are safe along with your assets. By comparing home insurance quotes you can ensure that your cover is comprehensive and meets all the needs you will have for your home and assets and protects you from losing everything you have worked so hard to gain.

Watch more How to Buy a Home videos: www.howcast.com Subscribe to Howcast’s YouTube Channel – howc.st Purchase the right kind of homeowners insurance for your house or apartment and protect your valuables. Howcast uploads the highest quality how-to videos daily! Be sure to check out our playlists for guides that interest you: howc.st Subscribe to Howcast’s other YouTube Channels: Howcast Health Channel – howc.st Howcast Video Games Channel – howc.st Howcast Tech Channel – howc.st Howcast Food Channel – howc.st Howcast Arts & Recreation Channel – howc.st Howcast Sports & Fitness Channel – howc.st Howcast Personal Care & Style Channel – howc.st Howcast empowers people with engaging, useful how-to information wherever, whenever they need to know how. Emphasizing high-quality instructional videos, Howcast brings you experts who provide accurate information in easy-to-follow tutorials on everything from makeup, hairstyling, nail art design, and soccer to parkour, skateboarding, dancing, kissing, and much, much more. Step 1: A standard policy covers property damage caused by certain disasters; personal belongings, up to a limit; personal liability, which protects family members from lawsuits related to injury or property damage they may cause others; and medical coverage, which pays the expenses of non-family members injured on your property. Step 2: Calculate how much insurance you need to carry. Homeowners insurance reimburses you for the cost per square foot of rebuilding
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Haunted Houses

Almost every town in the United States, when it is more than a century old, features a house that a person claims can be a haunted house. These are the homes that, around Halloween, are used to scare people. Frequently the only thing creating the appearance of a haunted house is the location and the amount of repair or even disrepair as the case might be.

At Halloween night, many people try to fix up their houses to make them seem like haunted house. Some property owners are lucky enough to actually own one of those nearby haunted homes, making it easier for people to believe the decorations. It is probably an old house. The location is most likely back away from the street and in dark areas away from streetlights. There is probably large old timber around, contributing to the dark areas and creating things appear that much spookier.

During the Halloween party season, the local haunted residence may be one that can be rented for Halloween costume parties for all ages (although it possibly should be an older age group if the property is truly scary as individuals would not want to actually cause any traumatic encounters for the extremely young). A number of the other features for a haunted house encounter can be chairs, doors, as well as stairs that creak. More mature houses often aren’t at the same time insulated so any blowing wind outside could cause the spooky noises within and make lighting on stores swing and sway in any way of sea breezes.

Local cat stories in many cases are told in regards to the local haunted houses.

Probably the owner of the house heard the majority of all of the tales prior to buying that house, especially if it is a small town in which the owner grew up. When who owns the house is a local, it’s easier to result in the Halloween encounter and have the Halloween costume party at that house. If it’s in a small community, it is also easier to make the Halloween experience at the haunted residence really a community effort and knowledge. When it is the suburbs local haunted house, the particular homeowner doesn’t have to set up numerous decorations associated with ghost and also goblins as well as witches to offer the wanted haunted house has an effect on.

Of course, the last reasons a residence may be considered haunted will be the local stories of unconventional or even weird happenings. Lighting appearing inside windows that shouldn’t have lights; sounds across the higher hallways. Home appliances turned on whenever no one is in the house. All these are items that have likely to herald the ghost in the home.

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Flood Insurance

That last thunderstorm left you worried. For a moment there, it seemed as if your basement, like the hull of an old sailing vessel, might take on water. But before you break out the sandbags or put the kids’ old toys up on pilings, call your insurance agent and find out about flood insurance.

A bridge over troubled waters

Because your homeowners policy doesn’t cover damage from flooding, you’ll need to purchase a separate flood insurance policy to obtain coverage for your home and its contents. Fortunately, flood insurance is widely available from insurance companies that participate in the National Flood Insurance Program (NFIP), a partnership between the Federal Emergency Management Agency (FEMA) and the private insurance industry. A handful of insurance companies also offer excess flood insurance policies that can supplement NFIP coverage.

You’re eligible to purchase national flood insurance if your community is one of the approximately 19,000 nationwide that participate in the NFIP. Participating communities must adopt certain floodplain management practices in exchange for the availability of flood insurance for their residents.

Do you need flood insurance if you live in a cornfield?

You should consider purchasing flood insurance even if you don’t live in a high-risk area for floods. According to FEMA, approximately 25 percent of all flood insurance claims come from areas that are at low to moderate risk for floods. Even if you don’t live near the ocean, a river, or other body of water, factors such as storms, melting snow, inadequate or overloaded drains, or hurricanes can cause serious flooding.

If you’re buying a home located in a high-risk flood zone, and are obtaining a federally backed mortgage, you’ll be required to purchase flood insurance.

How do you purchase flood insurance?

If you decide you want flood insurance, start by calling your homeowners insurance representative. Although NFIP policies are backed by the federal government, they’re sold through private insurers. If your current insurer can’t offer you flood insurance, call the NFIP Telephone Response Center at (888) 379-9531. The response center can provide you with names of local agents or companies who can sell you flood insurance.

High tide: flood insurance limits

A flood insurance policy offers flood protection for both your home and its contents. With an NFIP policy, you can purchase up to $ 250,000 of coverage for the building itself and up to $ 100,000 of coverage for the contents. If you own a home whose value exceeds the amount available through the federal program, you may want to look into purchasing excess flood insurance through a private insurer. Excess flood insurance covers amounts above the $ 250,000 federal limit, and unlike NFIP coverage, may cover your home for its full replacement cost. You may be able to purchase these policies even in high-risk flood zones. A few insurance companies have also begun offering flood policies designed to replace NFIP coverage, but these policies are generally available only in low-to moderate-risk flood zones.

Will the cost soak you?

According to FEMA, the average annual premium for a $ 100,000 flood policy is a little over $ 500. But because the cost of flood insurance depends on many factors, including the type of occupancy (e.g., single family, nonresidential), the amount of coverage, and the location, design, only your insurance representative can give you an accurate premium quote.

What else should you know about flood insurance?

Here are some other facts you should know about flood insurance. First, you can purchase an NFIP policy at any time if you live in a participating community, but a 30-day waiting period generally applies before the policy becomes effective. Second, you can purchase an NFIP policy even if you live in a high-risk region for floods. As long as your community participates in the NFIP, insurance companies will be able to offer you a policy. Third, NFIP policies don’t cover flooding from wind-driven rain or damage from hail. Your homeowners policy will likely cover these situations.

Finally, NFIP policies offer some protection for flood-related basement damage. They ordinarily cover items like furnaces, water heaters, foundation elements, stairways, and oil or natural gas tanks, as well as appliances such as clothes washers, dryers, and freezers. They don’t cover basement structures such as finished walls, floors, ceilings, or personal belongings like furniture or clothes. But even though they don’t cover all types of damage, flood insurance policies still offer broader protection against basement flooding than standard homeowners insurance policies, so they’re generally your best bet for dealing with basement flooding expenses.

 

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