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 Sandy’s trek are a reminder that measures taken to prepare for big storms can reduce the damage they cause.

To prepare for a storm includes many topics and steps. 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 homeowners’ 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 homeowners’ 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.

Improper grading can cause major problems, said Harris Gross, owner of Engineers for Home Inspection in Cherry Hill, N.J., resulting in stormwater flowing toward the house, into the basement.

“It is an issue that needs to be addressed,” he said, even if a hurricane isn’t on its way.

If a big storm is imminent, however, 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 a 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
53_Million_One_665x350
‘53 Million and One’: Putting a Face on the Immigrant Experience in America

When the first group of Wells Fargo employees was invited to...

CEO_Harvard_Hall
Prediction: Top 10 ‘Wow’ Moments at RISMedia’s CEO Exchange

We’ve having a busy summer here at RISMedia as we (among...

501834447
Real Estate Top Investing Choice, Survey Finds

(TNS)—Given the recent record highs in the Standard & Poor’s 500...

Agent Broker Coaching Lead Gen Teams
174936529
Working With Buyers: Three Keys to Establishing Mutual Expectations

A successful buyer experience can be traced back to a straightforward...

511601860
Laying the Path for Continued Success

In the following interview, John D. Werkmeister of Sellstate ACE Realty...

Referral_Network
Fueling the Referral Pipeline

Looking for more referrals? In the following interview, mother-daughter duo Linda...

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
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...

Computer white keyboard with webinar
Beyond Likes: Move Past the Competition with a Next-Gen Social Media Strategy

Go where the competition isn’t! Move beyond Facebook with a stand-out...

Buying/Selling For Your Clients Home Improvement How-To Lifestyle
482805813
8 Ways to Stop Worrying about Money

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

183874628
Aging in Place Calls for Strategic Planning

(TNS)—Downsizing is not an easy decision—but a smart one if you...

woman looks in despair as the kitchen gets flooded
Leading by Example: Florida Real Estate Professional Espouses Benefits of Home Warranty Products

If you want to know why Watson Realty’s Dori Mackoul Dekle,...

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...