flood insurance requirements

Owning a property comes with specific flood insurance requirements. For example, if you are looking at property in a high-risk flood area, your mortgage company will not give you a loan until you purchase flood insurance. High-risk areas are marked A and V on the FEMA flood risk map. Those living in a low to moderate risk may be wondering are they required to purchase flood insurance before taking out a loan? The answer is no, but at Holt Flood Insurance, we recommend that everyone buy flood insurance, regardless of the risk level. Homeowner's . . . [More]

flood insurance requirements

Owning a property comes with specific flood insurance requirements. For example, if you are looking at property in a high-risk flood area, your mortgage company will not give you a loan until you purchase flood insurance. High-risk areas are marked A and V on the FEMA flood risk map. Those living in a low to moderate risk may be wondering are they required to purchase flood insurance before taking out a loan? The answer is no, but at Holt Flood Insurance, we recommend that everyone buy flood insurance, regardless of the risk level. Homeowner's . . . [More]

flood insurance specifications

Flood insurance specifications typically detail the coverage limits, eligibility, and exclusions for protecting property against flood-related damage. Here’s an overview of common elements you’ll find in flood insurance policies:1. Coverage TypesBuilding Property Coverage: Covers the structure of your home, including the foundation, electrical and plumbing systems, HVAC equipment, and built-in appliances.Personal Property Coverage: Covers personal belongings such as furniture, electronics, and clothing. This coverage may vary and often has . . . [More]

flood insurance specifications

Flood insurance specifications typically detail the coverage limits, eligibility, and exclusions for protecting property against flood-related damage. Here’s an overview of common elements you’ll find in flood insurance policies:1. Coverage TypesBuilding Property Coverage: Covers the structure of your home, including the foundation, electrical and plumbing systems, HVAC equipment, and built-in appliances.Personal Property Coverage: Covers personal belongings such as furniture, electronics, and clothing. This coverage may vary and often has . . . [More]

Flood policy coverage

There are two types of flood policy coverage: building and contents. These factors determine how much you will pay for flood insurance. Home and business owners will purchase both together, while renters only need to pay for content insurance. Just like regular insurance, flood insurance has its limits when it comes to coverage. And policies may vary between flood insurance companies.When it comes to flood insurance, the following items may not be covered, temporary housing, landscaping, decks, pools and anything else outside of the insured pro . . . [More]

Flood policy coverage

There are two types of flood policy coverage: building and contents. These factors determine how much you will pay for flood insurance. Home and business owners will purchase both together, while renters only need to pay for content insurance. Just like regular insurance, flood insurance has its limits when it comes to coverage. And policies may vary between flood insurance companies.When it comes to flood insurance, the following items may not be covered, temporary housing, landscaping, decks, pools and anything else outside of the insured pro . . . [More]

private flood insurance companies list

If you are going through a private flood insurance companies list and don't know which one to choose from, Holt Flood Insurance is here to help. With over 30 years of flood insurance experience, we can help you decide which company offers the best rates and coverage for you and your property.If you are wondering why flood insurance is needed, consider this. If your home is near a body of water, the chances for flooding increase significantly. Especially during a rainstorm or heavy snowfall. And if flooding should happen and you are without floo . . . [More]

private flood insurance companies list

If you are going through a private flood insurance companies list and don't know which one to choose from, Holt Flood Insurance is here to help. With over 30 years of flood insurance experience, we can help you decide which company offers the best rates and coverage for you and your property.If you are wondering why flood insurance is needed, consider this. If your home is near a body of water, the chances for flooding increase significantly. Especially during a rainstorm or heavy snowfall. And if flooding should happen and you are without floo . . . [More]

Does My Homeowners Insurance Cover Flooding?

One of the first things homeowners will purchase after buying a home is home insurance. Homeowner's insurance is needed to protect your home and valuables in the case of an emergency. Without it, you can be spending thousands of dollars on repairing your home and replacing lost valuables. But will your homeowner's insurance cover flood damage? Yes and no. If an accident such as your water heater explodes or a burst pipe, your homeowner's insurance will cover the damages.However, in the case of a flooding incident caused by rising waters, you wi . . . [More]

Does My Homeowners Insurance Cover Flooding?

One of the first things homeowners will purchase after buying a home is home insurance. Homeowner's insurance is needed to protect your home and valuables in the case of an emergency. Without it, you can be spending thousands of dollars on repairing your home and replacing lost valuables. But will your homeowner's insurance cover flood damage? Yes and no. If an accident such as your water heater explodes or a burst pipe, your homeowner's insurance will cover the damages.However, in the case of a flooding incident caused by rising waters, you wi . . . [More]

What are Cryogenic Labels?

Cryo or cryogenic labels are designed to tolerate extended storage in liquid or vapor phase liquid nitrogen and ultra-low temperature freezers. The face material and adhesive of cryogenic labels are created to remain intact when stored under extremely cold temperatures, and usually for an extended period of time. If labels not engineered for this purpose are used in these conditions, you risk labels falling off the container and ultimately leading to a loss of sample integrity.How are Cryo Labels Used?Cryo labels are most commonly used for medi . . . [More]

What are Cryogenic Labels?

Cryo or cryogenic labels are designed to tolerate extended storage in liquid or vapor phase liquid nitrogen and ultra-low temperature freezers. The face material and adhesive of cryogenic labels are created to remain intact when stored under extremely cold temperatures, and usually for an extended period of time. If labels not engineered for this purpose are used in these conditions, you risk labels falling off the container and ultimately leading to a loss of sample integrity.How are Cryo Labels Used?Cryo labels are most commonly used for medi . . . [More]

Pandemic upends nonprofit therapy treatment model

Pictured: CHR therapist Nicolle Wargo working with a child via telehealth. Wargo works in CHR’s Child Outpatient Clinic in Bloomfield. By Liese Klein Jane Garcia has gone on scavenger hunts with her young clients, played board games and even traveled around the world via Google Earth. A licensed professional counselor and art therapist at Community Health Resources in Manchester, Garcia has been doing all of her work with young people in recent months via videoconferencing or “telehealth,” a mode of treatment that she said had been both . . . [More]

Pandemic upends nonprofit therapy treatment model

Pictured: CHR therapist Nicolle Wargo working with a child via telehealth. Wargo works in CHR’s Child Outpatient Clinic in Bloomfield. By Liese Klein Jane Garcia has gone on scavenger hunts with her young clients, played board games and even traveled around the world via Google Earth. A licensed professional counselor and art therapist at Community Health Resources in Manchester, Garcia has been doing all of her work with young people in recent months via videoconferencing or “telehealth,” a mode of treatment that she said had been both . . . [More]

100-year flood zone

What is a 100-year flood zone? This term can often be confusing to people. They may think that the possibility of high flood levels can only happen once every 100 years. The term 100-year flood means that there is a one percent chance that extreme flooding can occur during any year.Even a tiny amount of water can cause significant damage. That is why flood insurance is essential regardless of flood risk. While you have flood coverage with your home insurance, it only applies to accidental flooding, not weather related. You can purchase flood in . . . [More]

100-year flood zone

What is a 100-year flood zone? This term can often be confusing to people. They may think that the possibility of high flood levels can only happen once every 100 years. The term 100-year flood means that there is a one percent chance that extreme flooding can occur during any year.Even a tiny amount of water can cause significant damage. That is why flood insurance is essential regardless of flood risk. While you have flood coverage with your home insurance, it only applies to accidental flooding, not weather related. You can purchase flood in . . . [More]

flood insurance direct

Flood insurance directly covers losses of both property and valuables from water damages caused by weather. The amount of coverage you need will depend on the value of your property and valuables. You can purchase flood insurance through any private insurance company or the NFIP. At Holt Flood Insurance, we work with the NFIP and various private insurance companies.When choosing flood insurance, if your home has a value of over $250,000, it is best to go with a private insurance company, as the NFIP only covers that amount. While flood insuranc . . . [More]

flood insurance direct

Flood insurance directly covers losses of both property and valuables from water damages caused by weather. The amount of coverage you need will depend on the value of your property and valuables. You can purchase flood insurance through any private insurance company or the NFIP. At Holt Flood Insurance, we work with the NFIP and various private insurance companies.When choosing flood insurance, if your home has a value of over $250,000, it is best to go with a private insurance company, as the NFIP only covers that amount. While flood insuranc . . . [More]

Purchase flood insurance online

Can you purchase flood insurance online is a common question for all insurance companies. Most insurance companies offer the chance to buy flood insurance through their website, and if you are internet savvy, you may not have any issue going through the online process. Some applications may be easier to fill out than others.Flood insurance is available through the NFIP or a private insurer. Both flood insurance plans require you to apply through an insurance agency. Who you decide to go with depends on your area's level of flood risk. Higher ri . . . [More]

Purchase flood insurance online

Can you purchase flood insurance online is a common question for all insurance companies. Most insurance companies offer the chance to buy flood insurance through their website, and if you are internet savvy, you may not have any issue going through the online process. Some applications may be easier to fill out than others.Flood insurance is available through the NFIP or a private insurer. Both flood insurance plans require you to apply through an insurance agency. Who you decide to go with depends on your area's level of flood risk. Higher ri . . . [More]