Why do you need flood insurance?

Rising waters this weekend in the Upstate caught many people off guard.  Many people don’t realize that flooding is not covered by most standard homeowners policies.  The following is a real life example of what can happen if you don’t have flood insurance- even if you live in an area that is not prone to flooding.

When floodwater from a severe, week-long storm started pouring through the walls of Becky Bentley’s house, she knew she had to get out fast. In the short time it took her and her son to run upstairs to grab the family cat, the rapidly rising water trapped them on the second floor of their home.

With the help of a neighbor, they manage to escape. But when the water receded and Becky finally returned to her Atlanta property, she discovered most of the contents and drywall were unsalvageable. She thought her homeowners insurance would cover the losses; but found out most standard homeowners policies do not cover flood damage.

“The water got so high, everything was just destroyed,” Becky told the National Flood Insurance Program. “I didn’t have flood insurance because I wasn’t in a flood plain, so we were told we didn’t need it.”

Floods are the number one natural disaster in the United States. While some regions, such as coastal areas, are more flood-prone than others, the unpredictability of climate change exposes all property to some risk. And torrential rainfall isn’t the only culprit. Flooding is also caused by mudflows, rapid snowmelt during spring and ice jams during winter.

Even an inch of water can cause thousands of dollars in damage, shocking those who find out flood losses are specifically excluded from their homeowners and personal umbrella policies.

Flood insurance provides the protection you need to cover losses after a flood ravages your property. The cost of premiums vary based on the amount of coverage you need, what’s covered and your property’s flood risk.

New flood insurance policies usually have a 30-day waiting period, so don’t delay in protecting one of your most valuable assets—your home. Contact AssureSouth today for more information on flood insurance.

 

Check out this news story and video from WSPA-

Flood Insurance, What You Need To Know

Advertisements

Help your body out, protect yourself from the summer heat

bright-sun
While the summer sun can be a welcome arrival after a dreary winter, it is important to keep the summer heat from getting the best of you. The human body can do funny things when exposed to high temperatures. To diminish its effect, remember these tips next time you’re exposed to summer heat.
Stay Hydrated – Make sure you are drinking water continually, even if you are not thirsty. By the time your body triggers thirst, you may already be on the way to dehydration. Avoid beverages with alcohol and caffeine as they can increase chances of dehydration.
 Dress Appropriately – Lightweight clothing allows heat to escape from the body, and light-colored materials reflect the sun, decreasing heat absorption.
Avoid Overwork – Avoid strenuous activities during times of peak heat, especially midday. If possible, save outside tasks for early morning or evening hours.

 

We hope everyone is staying healthy and safe this summer!

 

 

How Bad is Sitting?

chair

How Bad Is Sitting?
Some doctors are saying that sitting is the new smoking. According to the Mayo Clinic, sitting, like smoking, is a pervasive problem that harms your health. Approximately 80 percent of Americans work a non-active job, making all-day sitting a common occurrence.
Lengthy, uninterrupted periods of sitting cause poor circulation and low calorie burn and are linked to various health problems, including obesity, hypertension, diabetes and cardiovascular disease, as well as stiffness, headaches and sluggishness.

Your job may require you to spend a considerable amount of time at a desk, or maybe you’re fond of all-day movie marathons. Try these tips to sit less, move more and improve your health:

• Stand while talking on the phone or watching television.
• Have a walking or standing meeting at work.
• Stand up and stretch at least every hour.
• Wear a pedometer and find ways to add steps into your daily routine.
• Take the stairs when possible.
• Consider walking or biking when commuting to work or running errands