water damage prevention

Preventing water damage involves a combination of regular maintenance, awareness, and proactive measures. Here are some tips to help you prevent water damage in your home or building:Regular Inspection:Conduct regular inspections of your home, checking for leaks, damaged pipes, and other potential sources of water issues.Inspect your roof for any missing or damaged shingles and ensure that flashing is intact.Check for signs of water stains on ceilings and walls, as they may indicate leaks.Gutter Maintenance:Keep gutters and downspouts clear of . . . [More]

water damage prevention

Preventing water damage involves a combination of regular maintenance, awareness, and proactive measures. Here are some tips to help you prevent water damage in your home or building:Regular Inspection:Conduct regular inspections of your home, checking for leaks, damaged pipes, and other potential sources of water issues.Inspect your roof for any missing or damaged shingles and ensure that flashing is intact.Check for signs of water stains on ceilings and walls, as they may indicate leaks.Gutter Maintenance:Keep gutters and downspouts clear of . . . [More]

excess flood

Excess flood coverage is a type of flood insurance you can purchase from a private insurance company in addition to your NFIP coverage. NFIP policies only cover damages up to $250,000. While excess flood insurance is another expense, it might be a good idea to purchase it if your home is worth over $250,000. Remember that flood insurance may not cover items stored in a basement damaged during a flood. Holt Flood insurance has over 30 years of flood insurance experience and has served thousands of customers. So when you need help with any of yo . . . [More]

excess flood

Excess flood coverage is a type of flood insurance you can purchase from a private insurance company in addition to your NFIP coverage. NFIP policies only cover damages up to $250,000. While excess flood insurance is another expense, it might be a good idea to purchase it if your home is worth over $250,000. Remember that flood insurance may not cover items stored in a basement damaged during a flood. Holt Flood insurance has over 30 years of flood insurance experience and has served thousands of customers. So when you need help with any of yo . . . [More]

Flood level map

A flood level map is an innovative tool that indicates each area's flood risk level. FEMA creates these maps with the help of actively participating communities. There are three types of flood risk, low, moderate, and high. The higher your risk for flooding, the more your insurance will cost. Buying flood insurance doesn't have to be complicated. While flood insurance is only optional for low-risk areas, purchasing it is essential regardless of your flood risk, as it can save you thousands of dollars in repairs. With over 30 years of flood insu . . . [More]

Flood level map

A flood level map is an innovative tool that indicates each area's flood risk level. FEMA creates these maps with the help of actively participating communities. There are three types of flood risk, low, moderate, and high. The higher your risk for flooding, the more your insurance will cost. Buying flood insurance doesn't have to be complicated. While flood insurance is only optional for low-risk areas, purchasing it is essential regardless of your flood risk, as it can save you thousands of dollars in repairs. With over 30 years of flood insu . . . [More]

Flood zone insurance costs

Flood zone insurance costs vary between flood risks and the type of coverage. Properties in designated high-risk zones will pay more for insurance than those at a lower to moderate risk. And if you own the home or building, you will need to purchase building and content insurance, whereas renters only need content.In some cases, flood insurance is mandatory. All homes in high-risk flood zones must have flood insurance before the bank releases a mortgage. At Holt Flood Insurance, we recommend everyone buys flood insurance. While it may seem like . . . [More]

Flood zone insurance costs

Flood zone insurance costs vary between flood risks and the type of coverage. Properties in designated high-risk zones will pay more for insurance than those at a lower to moderate risk. And if you own the home or building, you will need to purchase building and content insurance, whereas renters only need content.In some cases, flood insurance is mandatory. All homes in high-risk flood zones must have flood insurance before the bank releases a mortgage. At Holt Flood Insurance, we recommend everyone buys flood insurance. While it may seem like . . . [More]

flood data

Collecting flood data is the best way to develop safety and preventative matters for areas prone to flooding. It also helps determine flood insurance costs for those areas. The United States Geological Survey (USGS) is responsible for collecting and storing this data, which is then shared with FEMA and the NFIP.The price of flood insurance depends on the flood risk for the area and the type of flood insurance. For example, areas at high risk for flooding will pay more for flood insurance than those in low to moderate areas. And if you rent your . . . [More]

flood data

Collecting flood data is the best way to develop safety and preventative matters for areas prone to flooding. It also helps determine flood insurance costs for those areas. The United States Geological Survey (USGS) is responsible for collecting and storing this data, which is then shared with FEMA and the NFIP.The price of flood insurance depends on the flood risk for the area and the type of flood insurance. For example, areas at high risk for flooding will pay more for flood insurance than those in low to moderate areas. And if you rent your . . . [More]

national flood insurance company

A national flood insurance company is a company that is backed by the National Flood Insurance Program (NFIP). Some of these companies include Allstate, Farmers Insurance Group and their subsidiaries, Hartford Fire Insurance Company, Liberty Mutual, and many more. At Holt Flood Insurance, we are here to help you find an insurance company that works for you.If you own your home, chances are you have homeowners insurance, so you may be under the assumption that you don't need flood insurance. But the truth is, your homeowners' insurance only cove . . . [More]

national flood insurance company

A national flood insurance company is a company that is backed by the National Flood Insurance Program (NFIP). Some of these companies include Allstate, Farmers Insurance Group and their subsidiaries, Hartford Fire Insurance Company, Liberty Mutual, and many more. At Holt Flood Insurance, we are here to help you find an insurance company that works for you.If you own your home, chances are you have homeowners insurance, so you may be under the assumption that you don't need flood insurance. But the truth is, your homeowners' insurance only cove . . . [More]

How Are Flood Insurance Rates Determined?

If you are new to flood insurance, you may be wondering how flood insurance rates are determined and what you can do to lower your rates. And if you're not new to flood insurance, you may wonder these things as well.Insurance companies look at several factors when determining rates; they include the level of flood risk, type of coverage, building location, design, and age of the building, and all utilities' location.If your property is located in zones B, C, and X, you are considered a low-level flood risk. You will end up paying less than thos . . . [More]

How Are Flood Insurance Rates Determined?

If you are new to flood insurance, you may be wondering how flood insurance rates are determined and what you can do to lower your rates. And if you're not new to flood insurance, you may wonder these things as well.Insurance companies look at several factors when determining rates; they include the level of flood risk, type of coverage, building location, design, and age of the building, and all utilities' location.If your property is located in zones B, C, and X, you are considered a low-level flood risk. You will end up paying less than thos . . . [More]

Admin Seeing Submit for Review instead of Publish on Wordpress

Occasionally WordPress users report not being able to publish new content, even as admins. Instead of seeing the 'Publish' button, the 'Submit for Review' button appears instead. Luckily, there are a few ways to fix this, though not every solution is right for every user. Work your way down the list until you find the solution that works best for you.Sometimes third party themes can cause this problem. If you're using a third-party theme, try switching back to a default theme (such as twenty-twenty or twenty-nineteen) to see if it makes a diffe . . . [More]

Admin Seeing Submit for Review instead of Publish on Wordpress

Occasionally WordPress users report not being able to publish new content, even as admins. Instead of seeing the 'Publish' button, the 'Submit for Review' button appears instead. Luckily, there are a few ways to fix this, though not every solution is right for every user. Work your way down the list until you find the solution that works best for you.Sometimes third party themes can cause this problem. If you're using a third-party theme, try switching back to a default theme (such as twenty-twenty or twenty-nineteen) to see if it makes a diffe . . . [More]

flood insurance purposes

Flooding is one of the most common and devastating natural disasters in the United States, causing billions of dollars in damage each year. Despite this, many homeowners underestimate their risk and fail to secure adequate protection. This is where flood insurance comes into play. Unlike standard homeowners' insurance policies, flood insurance is specifically designed to cover damages caused by flooding. But what exactly are the purposes of flood insurance, and why is it essential? Let’s dive in.Financial Protection Against Flood DamageThe pr . . . [More]

flood insurance purposes

Flooding is one of the most common and devastating natural disasters in the United States, causing billions of dollars in damage each year. Despite this, many homeowners underestimate their risk and fail to secure adequate protection. This is where flood insurance comes into play. Unlike standard homeowners' insurance policies, flood insurance is specifically designed to cover damages caused by flooding. But what exactly are the purposes of flood insurance, and why is it essential? Let’s dive in.Financial Protection Against Flood DamageThe pr . . . [More]

getting started with flood insurance

Getting started with flood insurance involves understanding your needs, evaluating your risks, and choosing the right coverage. Here's a step-by-step guide to help you:1. Assess Your RiskFlood Zone: Check if your property is in a flood zone. FEMA provides flood maps that categorize areas by risk. Even if you’re not in a high-risk zone, you may still want coverage as floods can happen anywhere.Flood History: Review your area's history of flooding, including recent storms, rising water levels, or urban development, which can affect flood risk.2 . . . [More]

getting started with flood insurance

Getting started with flood insurance involves understanding your needs, evaluating your risks, and choosing the right coverage. Here's a step-by-step guide to help you:1. Assess Your RiskFlood Zone: Check if your property is in a flood zone. FEMA provides flood maps that categorize areas by risk. Even if you’re not in a high-risk zone, you may still want coverage as floods can happen anywhere.Flood History: Review your area's history of flooding, including recent storms, rising water levels, or urban development, which can affect flood risk.2 . . . [More]