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   Hurricane Sandy pretty much destroyed parts of New York, New Jersey and Maryland earlier this week. New York alone has already attributed 18 deaths due to the storm.  The horrible shame is that mother-nature doesn't discriminate, if you happen to get in her way there's no telling what will happen; odds are that it wouldn’t be good.

   Flooding (or rising water) is not covered on general home owners’ insurance policies here in Florida. Homeowners’ policies are designed to cover damage from broken pipes and things like that but not rising water. Those with a mortgage that are in a "flood zone" are required by their lenders to carry flood insurance in addition to home owners insurance.

What most home owners don't know is that just because you aren't in a designated "flood plain" area doesn’t mean that rising water wouldn’t or couldn’t affect you or your home. There’s also the belief that flood insurance is just far too expensive. The simple fact is the high end cost for "flood insurance" is right around $370 a year for home owners not in a flood plain. This covers up to $250,000 for repairs to the building and another $100,000 for contents



To learn more, just give us a call at 800-978-8813. Birchell Insurance Agency… “Making Insurance Easy…” since 2000.



11 Facts About Floods


Floodsmart.gov recently posted a piece on line about floods; pay particular attention to # 11.


1-    Since 1900, floods have taken more than 10,000 lives in the United States alone.

2-    Flash floods often bring walls of water 10 to 20 feet high.

3-    95% of those killed in a flash flood try to outrun the waters along their path rather than climbing rocks or going uphill to higher grounds.

4-    66 % of flood deaths occur in vehicles, and most happen when drivers make a single, fatal mistake trying to navigate through flood waters.

5-    Just 6 inches of rapidly moving flood water can knock a person down.

6-    A mere 2 feet of water can float a large vehicle even a bus.

7-    1/3 of flooded roads and bridges are so damaged by water that any vehicle trying to cross stands only a 50% chance of making it to the other side.

8-    The great Mississippi River Flood of 1993 covered an area 500 miles long and 200 miles wide. More than 50,000 homes were damaged, and 12,000 miles of farmland were washed out.

9-    Hurricanes, winter storms and snowmelt are common (but often overlooked) causes of flooding.

10-New land development can increase flood risk, especially if the construction changes natural runoff paths.

11-Communities particularly at risk are those located in low-lying areas, near water, or downstream from a dam, but everyone lives in a flood zone — it's just a question of whether you live in a low, moderate, or high risk area.



Call Birchell Insurance Agency today and let us help with any questions that you may have. We can be reached at 800-978-8813 or locally at 407-936-1572.



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