Category: Flood Insurance

Skyrocketing coastal home insurance what you need to know

Skyrocketing coastal home insurance what you need to know.

FEMA has completely revamped the rating system for the National Flood Insurance Program (NFIP). Starting October 1st, 2021, the rates for new NFIP policies take effect.  Policies will renew on the new system starting 4/1/22.  The new rates will better reflect the true risk of flooding. Some coastal premiums will sharply increase!

FEMA has revamped the rating system for national flood insurance

Skyrocketing coastal home insurance! What you need to know is the current NFIP program subsidizes many risky coastal homes. Homeowners have all been paying much more than they probably should have to subsidize coastal or high-risk homes in other parts of the country.

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38 HURRICANE Humphrey Covill & Coleman

How We Survived the ’38 Hurricane

The ’38 Hurricane was a near tragedy for my family.  At that time I was in the third grade at the Washington Street School in downtown Fairhaven, and we lived at 14 Green Street, not far from Fort Phoenix.

The school was built as a wooden church in the 1800’s until Rogers built the Unitarian Memorial Church around 1903 or so.  It then became a school, and in the mid-1940’s it was the Boys’ Club and is now home to the Northeast Maritime Institute.

My classroom was on the second floor, west side.  In the early afternoon on the day of the storm, the sky darkened, the wind picked up out of the Southwest, and torrents of rain came down, – sideways it seemed.  The wind was blowing rain in around the windows, so my teacher, Miss Smith, moved us all to the east side of the room, away from the windows.  Then the Principal came in and ordered us all to the rear exit on the northeast side in the lee of the wind.

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Waterproof-your-basement

Waterproofing your Basement

Though water is great for plants, animals, and life all around, it is not for the home! This is why waterproofing your basement is so important.

Water can weaken foundations, damage floors, and cause mold, all of which are dangers to your home.

Mold is especially dangerous. It forms in a dark, poorly vented area with high moisture levels and the basement is often neglected, allowing the mold to grow for a longer period of time.

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Protect your waterfront property

Protect your waterfront property

It’s impossible to know where a hurricane will strike, but if history has taught us anything if you live on the coast, you know from experience that it can be devastating. So it’s important to protect your waterfront property.

You know too that weak tropical storms hitting the U.S. can cause significant impacts, particularly if it moves slowly and triggers flooding rainfall.

The Atlantic hurricane season runs from June 1 – November 30th.

According to researchers, the 2018 hurricane season is expected to be “above average.” They are projecting 14-18 tropical storms & hurricanes.
Here is another fun tidbit for you… The National Flood Insurance Program (NFIP) is set to expire on July 31st.  Smack dab in the middle of hurricane season.  After a brutal year last year, the NFIP currently owes nearly $25 Billion to the US Treasury and taxpayers for covering claims. So you can bet your flood policy will be going up AGAIN this year.

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