Search
Exact matches only
Search in title
Search in content
Search in comments
Search in excerpt
Filter by Custom Post Type
{ "homeurl": "http://rismedia.com/", "resultstype": "vertical", "resultsposition": "hover", "itemscount": 4, "imagewidth": 70, "imageheight": 70, "resultitemheight": "auto", "showauthor": 0, "showdate": 0, "showdescription": 1, "charcount": 3, "noresultstext": "No results!", "didyoumeantext": "Did you mean:", "defaultImage": "http://rismedia.com/wp-content/plugins/ajax-search-pro/img/default.jpg", "highlight": 0, "highlightwholewords": 1, "openToBlank": 0, "scrollToResults": 0, "resultareaclickable": 1, "autocomplete": { "enabled": 1, "googleOnly": 1, "lang": "en", "mobile": 1 }, "triggerontype": 1, "triggeronclick": 1, "triggeronreturn": 1, "triggerOnFacetChange": 1, "trigger": { "delay": 300, "autocomplete_delay": 310 }, "overridewpdefault": 0, "override_method": "post", "redirectonclick": 0, "redirectClickTo": "results_page", "redirect_on_enter": 0, "redirectEnterTo": "results_page", "redirect_url": "?s={phrase}", "settingsimagepos": "left", "settingsVisible": 0, "hresulthidedesc": "0", "prescontainerheight": "400px", "pshowsubtitle": "0", "pshowdesc": "1", "closeOnDocClick": 1, "iifNoImage": "description", "iiRows": 2, "iiGutter": 5, "iitemsWidth": 200, "iitemsHeight": 200, "iishowOverlay": 1, "iiblurOverlay": 1, "iihideContent": 1, "loaderLocation": "auto", "analytics": 0, "analyticsString": "", "show_more": { "url": "?s={phrase}", "action": "ajax" }, "mobile": { "trigger_on_type": 1, "trigger_on_click": 1, "hide_keyboard": 0 }, "compact": { "enabled": 1, "width": "200px", "closeOnMagnifier": 1, "closeOnDocument": 0, "position": "fixed", "overlay": 0 }, "animations": { "pc": { "settings": { "anim" : "fadedrop", "dur" : 300 }, "results" : { "anim" : "fadedrop", "dur" : 300 }, "items" : "fadeInDown" }, "mob": { "settings": { "anim" : "fadedrop", "dur" : 300 }, "results" : { "anim" : "fadedrop", "dur" : 300 }, "items" : "voidanim" } }, "autop": { "state": "disabled", "phrase": "", "count": 10 } }
Select Page

(MCT)—Recent images of Hurricane Isaac’s rampage along the Gulf Coast are a reminder that measures taken to prepare for big storms can reduce the damage they cause.

Just a year ago, Hurricane Irene demonstrated that this region is hardly exempt from nature’s wrath.

To prepare for a storm, there are many topics and steps that must be kept in mind. An excellent source for information is http://www.ready.gov/hurricanes, created by the National Hurricane Center of the National Weather Service.

Are you covered? Severe storms have the potential to destroy your financial well-being, so knowing what you’re insured for is essential.

Check your homeowner’s insurance policy to determine your hurricane-coverage deductible. Many insurers require one, depending on the location of the insured property.

Insurers in New Jersey and Delaware do, but they don’t in Pennsylvania.

Hurricane deductibles are higher than those for other perils or causes of loss. They are calculated as a percentage of the dollar amount of coverage on a dwelling.

The “trigger,” or point at which these deductibles apply, varies among insurers, according to the Insurance Information Institute in New York. Triggers generally are effective only when the National Weather Service issues a hurricane watch or warning, and they remain in effect for a specified time after the storm has passed.

Hurricane intensity also may affect the trigger. If a policy has mandatory deductibles, that means the insurer will not sell homeowners coverage without a hurricane deductible.

In New Jersey, hurricane deductibles approved by the Department of Banking and Insurance apply to losses from a storm that is at any time designated a hurricane by the weather service.

Flood warning. Remember this if you remember nothing else: Standard homeowner’s policies DO NOT cover flooding.

Structures in high-risk flood areas that have mortgages from federally regulated or insured lenders (Fannie Mae, Freddie Mac, FHA and VA) are required to carry flood insurance. According to the National Flood Insurance Program, such areas have a 1 percent or greater chance of flooding in any given year.

Homes and businesses in moderate- to low-risk areas with mortgages from federally regulated or insured lenders are not usually required to have flood insurance.

Such coverage is recommended, however, because anyone can be financially vulnerable to floods, according to the flood-insurance program: People outside high-risk areas file more than one-fifth of claims and receive one-third of disaster assistance (typically loans that must be repaid with interest).

There are waiting periods for flood-insurance coverage. Details are available from FloodSmart.gov.

Walk around your house. Physical preparation for storms is important. Look around the yard and the perimeter of your property for weak points, such as trees with branches hanging over utility lines. Remove them before they cause trouble.

Experts have pinpointed four areas that should be checked for weakness before a hurricane strikes: the roof, the windows, the doors, and the garage door.

Roof reinforcement from the wind—hurricane straps, for example—require a professional, and if a storm is bearing down, there may not be time to do that work. But you can clean gutters and downspouts so water flows away from the foundation.

In some regions, basement flooding is a big concern among homeowners who have spent thousands of dollars creating family rooms downstairs, only to have heavy rains ruin those spaces, as well as their furnaces, washers and dryers.

If you have a sump pump, make sure it works, and check the outflow pipe to be sure it’s free of debris.

If a big storm is imminent, protect windows and doors by installing plywood shutters or at least placing large strips of masking tape or adhesive tape on the glass, to reduce the risk of breakage and flying pieces.

Add bracing to shore up a weak garage door.

If authorities urge you to evacuate your home, do it. Know the routes well and be sure your family is well-versed in what to do in the event of an emergency.

©2012 The Philadelphia Inquirer
Distributed by MCT Information Services


Buying/Selling Consumer Luxury National Spotlights
500176368
Commentary: The Historic White House United State of Women Summit

Editorial Note: The following is a commentary written by Desiree Patno,...

123073479
Do You Know the Best State for Homeownership?

Owning a home is usually considered part of living the American Dream. But...

509172408
Homeownership Still Desirable for Millennials

The majority of Americans still value homeownership, but millennials face major...

Agent Broker Coaching Lead Gen Teams
Couple sitting in their electric car
Save on Your Summer Road Trip

NAR PULSE—Right now, until August 31, you can save $25 on...

499147276
Ask the Expert: What Is the Most Important Business Component?

This week’s “Ask the Expert” column features Martin J. Rueter, President...

487575270
Don’t Miss Out: Recent Grads Bring Big Potential

Graduation season has come to an end and the celebrations have...

Agent Best Practices Branding Broker Niche
La Habra, United States - July 12, 2016: Macro closeup image of pokemon go game app icon among other icons on an iphone smartphone device. Pokemon Go is a popular virtual reality game for mobile devices.
Pokémon GO for Real Estate – Must or Bust?

If you’re anything like me, your social media newsfeeds look a...

Man inputing data on laptop and holding mobile phone in another hand.
Boost Your Online Presence with More .REALTOR Options

Website addresses that end in .REALTOR provide instant recognition as a...

Person. More>>
4 Ways to Update Your Digital Persona

Your digital presence is more important than ever, and now is...

Agent Apps/Gadgets Best Practices Broker Innovation
Silhouette of business people moving and joining pieces of jigsaw puzzle on a business and stock market  blue background, with charts, diagrams, world maps and data arranged on grid and tables. World maps showing continents and countries with economy data and growth diagrams. Light glowing from the center. Copy space on bottom.
PNC Offers Online Business Insights, Webinars and Tools for Agents

Looking for the latest real estate industry information, education and networking...

Woman holding tablet
Stay Connected to Your Business When You’re on the Go

As a busy real estate professional, you’re likely most productive when...

snapchat_real_estate_665x350
Why Snapchat Is Pure Gold for REALTORS®

There is a huge amount of attention being paid to Snapchat...

Business Insights Content Generation Marketing Trends
000027558128_Double
Webinar Recap: Build Your Brand with Next-Gen Social Media

If you’re working in the real estate industry, you already know...

000042086008_Double.jpg
Expanding Your Client Base through Social Media

Today’s buyer will search online at some point during the buying...

Facebook_Live_665x350
Facebook Live the Latest Trend to Infiltrate the Open House Scene

Drumming up interest in an open house may be about as...

Buying/Selling For Your Clients Home Improvement How-To Lifestyle
468752934
5 Kitchen Island Styles to Fit Any Use

Regardless of the size of your kitchen remodel, adding an island to...

Wall_Panel_450x300
Luxury Wall Panels Take Home Décor to a Whole New Level

Looking to revamp your living space? Before you head out to...

482805813
8 Ways to Stop Worrying about Money

(TNS)—Are worries about money keeping you up at night? You’re not...

manhattan
RISMedia’s CEO Exchange

RISMedia’s 2016 Real Estate CEO Exchange September 13 & 14, 2016...

Capital Building, Washington
RISMedia’s Power Broker Forum at the NAR REALTORS® Legislative Meetings & Trade Expo

RISMedia’s Power Broker Forum at the REALTORS® Legislative Meetings & Trade Expo...

PB-annual
RISMedia’s Power Broker Forum, Reception & Dinner – Annual

RISMedia Power Broker Events 2016 Orlando, Fla. Friday, November 4, 2016...