Clarke & Sampson Blog

National Flood Insurance Program Changes for 2017

Posted by Scott Jefferson

Nov 1, 2016 4:03:54 PM

The Federal Emergency Management Agency (FEMA) recently announced changes to the National Flood Insurance Program (NFIP) that will go into effect on April 1, 2017. These changes are made annually, and may impact your home’s flood insurance premiums—especially if it is newly mapped into a Special Flood Hazard Area (SFHA).

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Topics: Flood Insurance, Flood Facts, Alexandria Flood

Rain and Flood Driving Tips

Posted by Scott Jefferson

Apr 29, 2014 2:44:00 PM

Flooding can occur within minutes of heavy rainfall or tidal changes. Be prepared and be safe on the roads. Here are some smart driving tips if you have to drive during times of heavy rain or flooding:

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Topics: Flood Insurance, Flood Facts, Alexandria Flood, Alexandria VA

Flood Warning System - New Alexandria, Belle View, Huntington

Posted by Scott Jefferson

Jan 9, 2014 11:35:00 AM

Do you live in a low-lying area of Fairfax County? Perhaps you have family that does? We have good news to share that can help keep you and your loved ones safe. Fairfax County has launched a new emergency alert system to warn residents of flood threats.

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Topics: Flood Insurance, Flood Facts, Alexandria Flood, Hurricane Preparedness, Home Security, Alexandria VA

Insuring Against Flood: Alexandria Edition

Posted by Scott Jefferson

Oct 16, 2013 1:31:00 PM

With our proximity to the Potomac River, we enjoy its beauty and countless recreational opportunities. With this proximity, however, we are faced with unique flood risks. This risk is nothing new. Flooding has threatened life and destroyed property since  Alexandria was first settled in 1695. As new developments and redeveloped areas spring up along the Potomac and its feeder creeks, understanding flood risk is more important than ever. 

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Topics: Flood Insurance, Flood Facts, Alexandria Flood, Business Insurance, Personal Insurance

Reevaluating Flood Insurance

Posted by Scott Jefferson

Jan 8, 2013 11:58:00 AM

For many property owners, flood insurance seems optional or unnecessary. The mortgage company doesn’t require it, the house is paid off, the property isn’t in a flood zone – these are a few common justifications for not carrying flood insurance. Unfortunately, many property owners using these justifications are also finding themselves literally underwater. The frequency and severity of storms and weather patterns is changing, particularly with regard to hurricanes. Hurricane Sandy perhaps highlights this best with an estimated $20 to $30 billion in uninsured flood losses (Wall Street Journal). Given our recent flood related experiences, we believe it is time for all property owners to reconsider flood insurance.

Flood insurance covers the insured building, foundation, electrical systems, plumbing, appliances, heating and air, personal belongings, household items, and debris removal, just to name a few. It is important to note that flood damage is NOT covered by your homeowners policy.

Flood Facts:

-Flood policies start at $129 per year, but average $600 per year.
-The average flood insurance claim is $30,000.
-25% of claims filed within the National Flood Program occur within moderate-to-low risk areas.
-Flood insurance takes effect 30 days after purchase, so it is important to buy before the threat of a storm or high waters.
-Floods are the most costly natural disasters in the United States.

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Topics: Flood Insurance, Flood Facts, Personal Insurance