hazards of water damage

Water damage can result from various sources, including floods, burst pipes, leaks, storms, and sewage backups. The hazards associated with water damage can pose significant risks to both property and health. Here are some hazards of water damage:Structural Damage: Water can weaken structural components of buildings such as walls, floors, ceilings, and foundations. Prolonged exposure to water can lead to rotting, warping, and deterioration of wood, drywall, and other building materials, compromising the integrity of the structure.Mold and Milde . . . [More]

hazards of water damage

Water damage can result from various sources, including floods, burst pipes, leaks, storms, and sewage backups. The hazards associated with water damage can pose significant risks to both property and health. Here are some hazards of water damage:Structural Damage: Water can weaken structural components of buildings such as walls, floors, ceilings, and foundations. Prolonged exposure to water can lead to rotting, warping, and deterioration of wood, drywall, and other building materials, compromising the integrity of the structure.Mold and Milde . . . [More]

FEMA maps by address

When searching FEMA maps by address, you can see the area's flood risk level. Depending on where you live, you will either be in a low to moderate or high-risk zone. With that in mind, flood insurance companies use these maps to calculate flood insurance costs. High-risk zones will pay more for flood insurance compared to lower-risk areas.Not only do high-risk zones pay more for flood insurance, but it is also mandatory for all properties to have flood insurance before mortgage companies release a loan. You can buy flood insurance through the N . . . [More]

FEMA maps by address

When searching FEMA maps by address, you can see the area's flood risk level. Depending on where you live, you will either be in a low to moderate or high-risk zone. With that in mind, flood insurance companies use these maps to calculate flood insurance costs. High-risk zones will pay more for flood insurance compared to lower-risk areas.Not only do high-risk zones pay more for flood insurance, but it is also mandatory for all properties to have flood insurance before mortgage companies release a loan. You can buy flood insurance through the N . . . [More]

gift of chocolate

Who doesn’t love getting the gift of chocolate? Whether it’s milk, dark or white. Chocolate is the perfect way to treat someone special or to thank them for everything they do. At Lazar’s, we know chocolate. And we have chocolates for just about any occasion, from birthdays to weddings and from party favors to party platters. Whatever you need, we’ve got it. We understand some of our customers may have dietary restrictions, and nobody should feel left out. That is why we carry a variety of sugar and nut-free products. We also carry kosh . . . [More]

gift of chocolate

Who doesn’t love getting the gift of chocolate? Whether it’s milk, dark or white. Chocolate is the perfect way to treat someone special or to thank them for everything they do. At Lazar’s, we know chocolate. And we have chocolates for just about any occasion, from birthdays to weddings and from party favors to party platters. Whatever you need, we’ve got it. We understand some of our customers may have dietary restrictions, and nobody should feel left out. That is why we carry a variety of sugar and nut-free products. We also carry kosh . . . [More]

preparing flood insurance

Preparing for flood insurance involves several important steps to ensure adequate coverage and protection against potential flood damage.Here's a general guide on how to prepare for flood insurance: Evaluate your flood risk: Determine if you live in a flood-prone area.You can check flood maps provided by FEMA (Federal Emergency Management Agency) to assess your property's flood risk.Understand flood insurance policies: Familiarize yourself with the types of flood insurance policies available.In the United States, the National Flood Insurance Pr . . . [More]

preparing flood insurance

Preparing for flood insurance involves several important steps to ensure adequate coverage and protection against potential flood damage.Here's a general guide on how to prepare for flood insurance: Evaluate your flood risk: Determine if you live in a flood-prone area.You can check flood maps provided by FEMA (Federal Emergency Management Agency) to assess your property's flood risk.Understand flood insurance policies: Familiarize yourself with the types of flood insurance policies available.In the United States, the National Flood Insurance Pr . . . [More]

house flood coverage

House flood coverage typically refers to insurance coverage for damage caused by floods to a residential property. It's important to note that standard homeowners insurance policies usually do not cover flood damage. Homeowners need to purchase a separate flood insurance policy to protect their property from flood-related losses.Here are some key points about house flood coverage:National Flood Insurance Program (NFIP): In the United States, the NFIP, administered by the Federal Emergency Management Agency (FEMA), is the primary source of flood . . . [More]

house flood coverage

House flood coverage typically refers to insurance coverage for damage caused by floods to a residential property. It's important to note that standard homeowners insurance policies usually do not cover flood damage. Homeowners need to purchase a separate flood insurance policy to protect their property from flood-related losses.Here are some key points about house flood coverage:National Flood Insurance Program (NFIP): In the United States, the NFIP, administered by the Federal Emergency Management Agency (FEMA), is the primary source of flood . . . [More]

federal flood insurance rates

Federal flood insurance rates can be determined by the level of flood risk for your area and a few other factors such as the type of coverage, the building's age and structural design, the deductible and amount of contents coverage, and the location of the contents. I.e. are all the utilities elevated?For first time buyers, purchasing flood insurance may be complicated. At Holt Flood Insurance, we can help you better understand all the buying process basics and find you an insurance rate that works for you, your family, or business. And for tho . . . [More]

federal flood insurance rates

Federal flood insurance rates can be determined by the level of flood risk for your area and a few other factors such as the type of coverage, the building's age and structural design, the deductible and amount of contents coverage, and the location of the contents. I.e. are all the utilities elevated?For first time buyers, purchasing flood insurance may be complicated. At Holt Flood Insurance, we can help you better understand all the buying process basics and find you an insurance rate that works for you, your family, or business. And for tho . . . [More]

Keeping Your Child Safe Around the Washer

It's become pretty obvious that children learn by example. So when your child sees you loading the washing machine, their curious minds begin to wander. In the wrong hands, this household chore could be a danger inside your very home. The washing machine could be surprisingly unsafe in the presence of young children. You should know these dangers and how to keep your child safe.Potential InjuriesThere's no single way for your kids to get hurt. There are several situations children can get themselves into that could lead to a nasty injury.Fallin . . . [More]

Keeping Your Child Safe Around the Washer

It's become pretty obvious that children learn by example. So when your child sees you loading the washing machine, their curious minds begin to wander. In the wrong hands, this household chore could be a danger inside your very home. The washing machine could be surprisingly unsafe in the presence of young children. You should know these dangers and how to keep your child safe.Potential InjuriesThere's no single way for your kids to get hurt. There are several situations children can get themselves into that could lead to a nasty injury.Fallin . . . [More]

Water: Nature’s Superhero

  Presenters will include Peggy Winsman, LCSW, Wellness Coordinator for CT First and Andrea Cordis, BS, COTA/L, a trauma-informed yoga instructor. Join Us! Thursday, Aug. 20, from 12 to 12:45 p.m. Missed our Stress Less Webinar? Watch the full webinar here.  The post Water: Nature’s Superhero appeared first on CHR. . . . [More]

Water: Nature’s Superhero

  Presenters will include Peggy Winsman, LCSW, Wellness Coordinator for CT First and Andrea Cordis, BS, COTA/L, a trauma-informed yoga instructor. Join Us! Thursday, Aug. 20, from 12 to 12:45 p.m. Missed our Stress Less Webinar? Watch the full webinar here.  The post Water: Nature’s Superhero appeared first on CHR. . . . [More]

basic benefits of flood insurance

Flood insurance provides financial protection against losses caused by flooding, which is typically not covered by standard homeowners or renters insurance policies. Here are some basic benefits of flood insurance:Property Coverage: Flood insurance covers damage to your building and its foundation, as well as the electrical and plumbing systems, HVAC equipment, appliances, carpeting, and other built-in items.Contents Coverage: It also provides coverage for personal belongings such as furniture, clothing, electronics, and other items that are da . . . [More]

basic benefits of flood insurance

Flood insurance provides financial protection against losses caused by flooding, which is typically not covered by standard homeowners or renters insurance policies. Here are some basic benefits of flood insurance:Property Coverage: Flood insurance covers damage to your building and its foundation, as well as the electrical and plumbing systems, HVAC equipment, appliances, carpeting, and other built-in items.Contents Coverage: It also provides coverage for personal belongings such as furniture, clothing, electronics, and other items that are da . . . [More]

Flood risk zones

Flood risk zones are areas that are prone to flooding. Each zone has a different flood risk, low to moderate and high. Depending on the location, flood insurance rates will vary. Those with a higher risk will pay less than properties in a low to moderate zone. High-risk properties require flood insurance before banks can release a mortgage. When purchasing flood insurance for the first time, you may have many questions, and Holt Flood Insurance is here to help. Such as, do I go with a private company or the NFIP? Do I need flood insurance in a . . . [More]

Flood risk zones

Flood risk zones are areas that are prone to flooding. Each zone has a different flood risk, low to moderate and high. Depending on the location, flood insurance rates will vary. Those with a higher risk will pay less than properties in a low to moderate zone. High-risk properties require flood insurance before banks can release a mortgage. When purchasing flood insurance for the first time, you may have many questions, and Holt Flood Insurance is here to help. Such as, do I go with a private company or the NFIP? Do I need flood insurance in a . . . [More]