Are You Prepared For The Next Flood? Part Three

freec tHistoric storms in the Gulf of Mexico, such as Harvey, Irma and Maria have emphasized the importance of homeowners securing flood insurance through the National Flood Insurance Program (NFIP).

NFIP: The City of Punta Gorda participate in the National Flood Insurance Program (NFIP). The NF P makes federally backed flood insurance available for all buildings, whether they are in the floodplain or not. Flood insurance covers direct losses caused by surface flooding, including a river flowing over its banks, a lake or ocean storm, and drainage problems.

The NFIP insures buildings, including mobile homes, with two types of coverage: structural and contents. Structural coverage is for the walls, floors, insulation, furnace, and other items permanently attached to the structure. Contents coverage may be purchased separately provided contents are in an insurable building.

Mandatory Purchase Requirements: The mandatory purchase requirement applies to all forms of federal or federally related financial assistance for buildings located in a Special Flood Hazard Area (SFHA). This requirement affects loans and grants for the purchase, construction, repair, or improvement of any publicly or privately owned building in the SFHA, including machinery, equipment, fixtures, and furnishings contained in such buildings.

How it Works: Before a person can receive a loan or other financial assistance from one of the affected agencies or lenders, there must be a check to see if the building is in a Special Flood Hazard Area (SFHA). The SFHA is the base (100-year) floodplain mapped on a Flood Insurance Rate Map (FIRM). It is shown as one or more zones that begin with the letter “A” or “V”.  Flood Insurance is a valuable tool in the protection of your home.  Can you afford not to have this insurance?

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

 

 

 

Advertisements

Are You Prepared For The Next Flood? Part Two

flood bf 567Historic storms in the Gulf of Mexico, such as Harvey, Irma and Maria have emphasized the importance of homeowners securing flood insurance through the National Flood Insurance Program (NFIP).

Flood Hazard Zone…Know Your Location

Flooding and other surface drainage problems can occur well away from a river, lake, or ocean. If you are looking at a property, it’s a good idea to check out possible flood hazards before you buy. Here are some reasons why:

  • The force of moving water or waves can destroy a building.
  • Slow moving flood waters can knock people off their feet or float a car.
  • Standing water can float a building, collapse basement walls, or buckle a concrete floor.
  • Water-soaked contents such as carpeting, clothing, upholstered furniture, and mattresses may have to be thrown away after a flood.
  • Some items such as  photographs  and heirlooms  may never be restored to their original
  • Floodwaters are not clean: floods carry mud, farm chemicals, road oil, and other noxious substances that cause health hazards.

Floodplain regulations: The City of Punta Gorda regulates construction and development in the floodplain to ensure that buildings will be protected from flood damage. Filling and similar projects are prohibited in certain areas. Houses substantially damaged by fire, flood, or any other cause must be elevated to or above the flood level when they are repaired

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

 

 

 

Are You Prepared For The Next Flood? Part One

storm-426789_1920Historic storms in the Gulf of Mexico, such as Harvey, Irma and Maria have emphasized the importance of homeowners securing flood insurance through the National Flood Insurance Program (NFIP). As you are aware, most locations in the City of Punta Gorda require the purchase of flood insurance as a condition of a mortgage. It is our belief; however, that all properties in the City of Punta Gorda and numerous locations in Port Charlotte are susceptible to damage from flood waters and property owners should protect themselves by purchasing flood insurance. Here are some reasons why:

The Flood Insurance Rate Maps do not take into account the vulnerabilities to storm surge. These maps primarily look at rainfall flooding. The City of Punta Gorda is extremely vulnerable to storm surge. In fact, all residents in the City of Punta Gorda live in a storm surge zone. With the City of Punta Gorda having an average elevation of less than 10 Feet, this leaves a majority of our population vulnerable to storm surge even from a minor storm. It is very possible that residents in X Zones (which are not required to have flood insurance) could experience flooding from storm surge that could cause major damage to their home or business, and any contents contained in the structures. Many people living in zones that do not require the purchase of flood insurance have purchased flood insurance for the reason stated above.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

 

 

 

Summer Can Be Risky for Everyone

download (1)A Personal Insurance and Safety update

Summertime means more of us are heading to the pool, lake, ocean, or river to relax and have fun.  Unfortunately, these activities can lead to accidents and injury.  Summer also brings increases in heat related illness and teen driving accidents, according to PC260.com.

It is also important to have a personal insurance review to make sure all your summer activities are covered.  For example, if you have purchased a boat, you may need a separate watercraft policy.  In addition, if you have installed a pool you will need to add that risk to your homeowner’s policy.  We want you to have an enjoyable and safe summer, so here are some reminders about summertime safety.

Some of the Top Summer Risks

  • River water can be very cold, especially as the early snowmelt flows downriver. Even if it is 100 degrees outside, the river water temperatures can be very cold.
  • If you are planning foreign travel, remember to check travel advisories. Also, be sure you have all your medical issues managed correctly.  Check with your health insurer, as many will not provide coverage in foreign countries.
  • Don’t forget your pets. Summer heat can affect your pets, so make sure they are not left in vehicles or in homes during long heat waves.
  • When you are on the water, do not mix drinking and water craft driving. Verify that you have life vests for everyone and keep life vests on all children all the time.
  • Heat stress is one of the most common illnesses during summertime. The risk of getting skin cancer is much higher among people who sunbathe, and especially those who have experienced multiple sunburns.
  • Barbecues and fire related risks increase during the summer. Always keep children away for open fires, and keep barbecues away from buildings.
  • When riding your bike we recommend you always use a helmet.
  • Do you know if your pool cage or supports are covered?

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

2015 Florida Hurricane Season Is Here

bfree wind 1234

We are in the middle of the 2015 hurricane season and it is time to provide a refresher on hurricane safety and preparation. Make sure your homeowners insurance is up to date.

What is Florida Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Florida Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Remember The Key Terms

Hurricane Watch: A hurricane watch is issued when hurricane conditions are a real possibility for an area within 48 hours.

Hurricane Warning: A hurricane warning is issued when a hurricane is expected within 36 hours. Begin precautionary action at once. Important – once a Warning has been issued for our community insurance cannot be bound. If you are involved in closing on a new home, we recommend binding coverage early, especially in hurricane season.

Now is the time for you to build an emergency kit and create an evacuation plan.  For more information on this, go to http://www.ready.gov/american-red-cross

Hurricane Planning:

  • Review your insurance to make sure you have adequate coverage and limits.
  • Hold an annual family meeting to discuss issues and plans.
  • Develop an evacuation plan; this should include phone numbers, meeting places and routes of escape from your home, neighborhood and city.
  • Check your home for vulnerable areas, such as leaking roofs.
  • Make sure you have a secure place for recreation vehicles, boats, and motorcycles.
  • Make plans for your pets as well.
  • Notify neighbors and family members of your evacuation plan.
  • Plan for any special medical needs.
  • Make sure the gas tank in your car is full.
  • Anchor or stow small boats and RV’s.
  • Secure any outdoor furniture.
  • Secure buildings by closing and boarding up windows.
  • Trim any old trees.
  • Secure any antennas.
  • Make sure flashlights are working.
  • Evacuate, if advised to do so!

Amberg Insurance has been voted BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

2014 Atlantic Hurricane Season Has Arrived

bf vc565

We are into hurricane season and it is time to provide a refresher on hurricane safety and preparation. We have been fortunate over the past number of years. The last hurricane over a category 3 that affected Charlotte County was in 2004–we all remember Charley.   Amberg Companies paid out in excess of 145 million in claims.  Will this year end the streak? There’s no way of knowing. Even during an inactive season, a single storm can leave its mark on history (think Andrew in 1992). Conversely, very active seasons like 2010 can yield no landfalls for the U.S. Within the season, the core months of Aug.-Sep.-Oct. comprise roughly 78% of the season’s total hurricane activity. Remember to have us complete a review of your home insurance to make sure you are properly covered.

Remember The Key Terms 

Hurricane Watch: A hurricane watch is issued when hurricane conditions are a real possibility for an area within 48 hours.

Hurricane Warning: A hurricane warning is issued when a hurricane is expected within 36 hours. Begin precautionary action at once. Important – once a Warning has been issued for our community insurance cannot be bound. If you are involved in closing on a new home, we recommend binding coverage early, especially in hurricane season.

Now is the time for you to build an emergency kit and create an evacuation plan.  For more information on this, go to http://www.ready.gov/american-red-cross

Hurricane Planning:

  • Review your insurance to make sure you have adequate coverage and limits.
  • Hold an annual family meeting to discuss issues and plans.
  • Develop an evacuation plan; this should include phone numbers, meeting places and routes of escape from your home, neighborhood and city.
  • Check your home for vulnerable areas, such as leaking roofs.
  • Make sure you have a secure place for recreation vehicles, boats, and motorcycles.
  • Make plans for your pets as well.
  • Notify neighbors and family members of your evacuation plan.
  • Plan for any special medical needs.
  • Make sure the gas tank in your car is full.
  • Anchor or stow small boats and RV’s.
  • Secure any outdoor furniture.
  • Secure buildings by closing and boarding up windows.
  • Trim any old trees.
  • Secure any antennas.
  • Make sure flashlights are working.
  • Evacuate, if advised to do so!

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.