Predator attacks at home are rare. However, they do happen especially if you live far from the city and deeper into nature. If you love the great outdoors, there is always a risk. They are called wild for a reason. In the United States, the most common predators are cougars, bears, and alligators. Here are some ways to keep safe from these animals.
Every Florida home is in a flood zone! But what does that mean to you as a homeowner?
This post is meant to be a short concise snap shot of how flood zones are defined, how it affects you, and we provide some Q&A at the end to help clarify some common misunderstandings about flood.
To start let’s define what is considered a flood with the following simplified definition:
Flood is a general and temporary condition of partial or complete inundation (of water) of 2 or more acres of normally dry land area or of 2 or more properties from overflow of inland or tidal water, or unusual and rapid accumulation or runoff of surface waters from any source. Essentially if 2 acres of land or 2 properties that are not normally under water are now under water, then it is considered a flood.
As stated above every property in Florida is in a flood zone, meaning ALL properties are at risk for flood, but not all zones are created equal. Most consumers classify flood in two ways, either their mortgagee tells them they must carry it, so they do, or they are told they are not required to carry it, so they don’t. To get a little more technical, most flood zones in Volusia and surrounding counties are either zoned as X, A, or AE. A and AE are pretty much the same risk exposure just one has more info documented than the other. The people who are not required to carry flood are those whose properties are zoned X. Anything besides X is considered higher risk and so if you have a mortgage you’ll be required to obtain flood coverage. Now, even though properties in X zones are not required by the mortgage company to carry flood does not mean they are not at risk. Below is some Q & A that, I hope, will help to clarify some common misunderstandings on flood, but first I would like to break down a SIMPLIFIED version of what X, A, and AE zones mean.
X Zone (lower risk): Are areas that have a 0.2% chance of flooding every year.
A Zone or AE Zone (higher risk): Are areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30‐year mortgage.
Below we have put together some helpful info in the form of Q & A. These are questions we have helped answer for our clients and believe most will find them helpful in clearing up some common misunderstandings regarding flood.
Client: If my property is hit by a flood and I don’t carry flood coverage, will disaster assistance bail me out?
Wellcovered Insurance: Maybe—as long as the President declares a disaster, which doesn’t always happen. But even if it does, Federal assistance is usually a LOAN. Borrow $50,000 at 4% and you’ll pay about $240 a month for 30 years, in addition to your mortgage.
Client: Does my home insurance policy cover flood.
Wellcovered Insurance: No, or at least almost always no. Some home insurance companies have recently created an endorsement to add flood coverage to a standard home insurance policy. But as of right now this is rare, normally flood is covered on a stand-alone policy.
Client: My house is on a hill, so water drains away. Am I safe from flood?
Wellcovered Insurance: Your risk may be reduced, but it’s not eliminated. If your community’s storm water drainage system clogs or fails, flooding from heavy rain could cause damage to your home and contents.
Client: My area has never flooded, so am I safe from flood?
Wellcovered Insurance: Conditions change. Nearby construction can alter drainage patterns, and rainfall can exceed yearly averages. In addition, nearby community storm water drains can clog and quickly back up water during heavy rains, causing localized flooding. What’s happened in the past is no guarantee of what will happen in the future.
I hope this post brought you some value and thank you for reading!
About the Author:
Richard Dixon is the owner operator of Wellcovered Insurance a local independent insurance agency located in Orange City, Florida.
Every business will need good suppliers. If you are a restaurant, you will need good ingredients. If you are a car repair shop, you will need car parts, accessories, and supplies. If you are a spa, you will need essential oils, towels, and toiletries. Whatever business you are in, you will always need to buy something. You will always need raw materials that you will use in your production. Which is why having the right supplier is essential. Understanding your suppliers will help you choose the right one.
For most businesses, the greatest asset you will have is your workforce. They will drive your whole empire. The quality of their work will determine how great your product or service will be. They are crucial in determining how great your output is. This is why it is important to always watch out for their welfare.
Employees with a deep connection with the leader have a sense of accountability for the business. They tend to go above and beyond the call of duty to ensure all is done perfectly. They share this connection with the business through their connection with you. As their leader, you would want to foster this type of relationship with your team. Here are some ways you can do that.
If you are not a car junkie, there may be a lot of things about the car that will make you wonder. One of those things is car tint. It's one of the questions I always hear from car novices. What is the tint for? What does it really do? If you want to know all about car tints, you've come to the right place.
Imagine a long day of hard work. How nice would it be to get home, kick back, relax, and relieve your stress. You may want to dim the lights, put on soothing music or ambient sound, and enjoy a pleasing scent. For most of us, the go to medium is a scented candle. Candles give a very unique experience when at home. It makes your meal much more romantic. It makes a room much more soothing. However, having an open flame does come with some danger. Before you even light up that candle, be sure to remember the following tips.
Every member of the family should feel safe at home, including the elderly. We know that our physical abilities weaken as we get older. Getting around the house becomes slower and more difficult. Aside from the physical limitations, the vision becomes impaired as well.
While owning a dog at home has many benefits, there are a few drawbacks to it. For example, your dog bites someone. As the owner, there are actions you need to do, fast.
Take these steps when your dog has bitten someone:
Does your spouse or some of your friends and loved ones have a habit of giving unwanted comments while you are driving? Then you are dealing with backseat drivers. It is natural for you to be annoyed and get into a shouting match with them. But, it also increases the risks of getting into accidents.
To make your driving time, more peaceful even with this kind of person inside the vehicle, here are 4 techniques on how to get rid of backseat driving.
Complaints are not an uncommon thing. Customers generally complain when the products they have bought or services they have paid were not able to meet their expectations. Businesses usually assign someone (or a team) to handle customer complaints and provide proper customer service.
Note that not all disappointed and dissatisfied customers call your attention. There are those that tell other people about their bad experience with your business. Therefore, when a customer tell you their complaints, make use of this time to resolve the issue.
Provided below are 4 useful methods in how to deal with a customer complaint properly: