Flood Damage >> Flood Insurance

National Flood Insurance Program Flood Insurance Requirements for Recipients of Federal Disaster Assistance Flood Insurance Requirements for Recipients of Federal Disaster Assistance Flood Insurance Requirements for Recipients of Federal Disaster Assistance When property owners receive financial assistance from the Federal Government following a Presidentially declared disaster, Flood Insurance they may be required to purchase flood insurance coverage. 

This requirement is mandated under the National Flood InsuranceReform Act (NFIRA) of 1994. It is imposed when a building has been damaged and Flood Insurance is located in an area that is at high risk of flooding. These high-risk areas are called Special Flood Hazard Areas (SFHAs).The NFIRA requirement applies to insurable buildings and personal property, located in SFHAs, that have been damaged bythe disaster event. 

Financial assistance can come in the form of Federal disaster assistance grants or loans.If you are a homeowner Flood Insurance and receive Federal financial assistance, flood insurance coverage must be maintained at the address of your home even if the damaged building is replaced by a new one. If you sell your home,you are required to inform the new owners that they must maintain flood insurance coverage on the building. 

Often, an existing flood insurance policy can be transferred to a new owner with no lapse in coverage.If you are a renter and receive Federal financial assistance, flood insurance coverage must be maintained on the Flood Insurance contents for as long as you live at the flood-damaged rental property. The requirement for flood insurance is lifted once you move from the building.

If you receive a Certificate of Flood Insurance from FEMA, flood insurance has been provided under a Group Flood Insurance Policy following a Presidential disaster Flood Insurance declaration. This policy provides minimum building and/or contents coverage in exchange for a small premium.

Group Policies have a term of 3 years, after which you will be requiredto purchase Flood Insurance and maintain a Standard Flood Insurance Policy through the National Flood Insurance Program (NFIP) until you are no longerthe homeowner or renter at that location. In order to avoid any lapse incoverage, it is important to apply for your new coverage at least 30 daysbefore the expiration of the Group Policy.

You may cancel your participation in the Group Policy at any time during its policy term, Flood Insurance provided that you have purchased your own NFIP flood insurance coverage.Even without the NFIRA requirement,it is a wise decision to purchase flood insurance. 

But, because Federal law mandates the purchase of flood insurance as a condition of disaster funding, Flood Insurance an applicant who does not comply with the NFIRA flood insurance obligation may become ineligible for future disaster assistance. 

It's that important.With all that you are going through, Flood Insurance don't let this vital coverage slipthrough the cracks. Protect yourself and your family from futurefinancial loss by purchasing and maintaining flood insurance coverage.For more information about the NFIPand flood insurance, call

How To Clean Up Smoke And Soot From A Fire

How to Clean Up Smoke and Soot from a Fire Smoke and soot can travel and penetrate into other rooms affecting paint, carpet,upholstery, drapes, clothing and any other belongings. Ventilation of the fire scene or debris removal is an effective first step to clean up after fire. Thorough cleaning and   read more..

How To Repair Fire Damaged Concrete

Recovering from a fire can be a physically and mentally draining process.When fire strikes, lives are suddenly turned around. Often, Fire Damage How To Repair Fire Damaged Concrete the hardest part is knowing where to begin and who to contact.

The U.S. Fire Administration has gathered the following information to assist you in  read more..

Animal Damage Control

To be eligible for the State Wildlife Grants (SWG) Program each state was required to develop a Wildlife Action Plan (WAP) and submit it to the National Advisory Acceptance Team (composed of staff from the states and the U.S. Fish and Wildlife Service) by October 2005. Each Plan was required to incl  read more..

Professional Water Damage Carpet Cleaning

In the wake of Hurricane Isaac's recent recovery efforts, Louisiana's restoration from Hurricane Rita persists, enabled by approximately$1.3 billion in Federal Emergency Management Agency public assistance, hazard mitigation Water Extraction Professional Water Damage Carpet Cleaning and individual assistance funding since her landfall on Sept  read more..

How To Sand And Remove Lead Paint

What is Lead? Lead is a metal that can be found in sources such as paint used in homes built before 1978, soil,water and old painted furniture and toys. Approximately 38 million homes in the United States still contain lead-based paint. Four million of these are home to one or more young childr  read more..

Lead Paint Exposure Registry In California

Legislation in 1986 created a statewide system for tracking lead poisoning cases in children and adults in California (California Health and Safety Code Section 124130). Laboratories are required to report electronically all blood lead levels (BLLs) for persons tested Lead Paint Removal Lead Paint Exposure Registry In California in California to  read more..

Animal Hoarders

BEHIND CLOSED DOORS: THE HORRORS OF ANIMAL HOARDERS By Rebecca Simmons To someone desperate to find a home for a litter of kittens, the Chubbers Animal Rescue would have appeared to be the perfect haven. Nestled in a wooded lot in Caroline County, Maryland, the former home of Linda Farve and Ernie M  read more..

How To Dehumidify A Water Damaged House

Dehumidification with Climate Changer™ Air Handlers Triple the amount of water removed The Trane ™ desiccant dehumidification system is Dehumidification How To Dehumidify A Water Damaged House an award winning method for controlling space humidity. A desiccant wheel is configured in series with the cooling coil to significantly improv  read more..

How To Remove Soot From A Painted Mantle

The results showed that when conditions were varied, different materials tested as the most corrosive. While all materials tested had a corrosive effect on the targets, there was not a consistent pattern in the reaction of the steel coupons to the test conditions. Enhancing condensation with ice typ  read more..

Tips For Cleaning Smoke Damage

Walls and Ceilings. Allow soot to dry untouched for at least 24 hours. Trying to remove soot before it has dried will only spread the stain and make it permanent. After soot has dried, clean walls or ceilings with the same tri-sodium phosphate and Lysol mix described above for cleaning clothes. Wear  read more..