Unfortunately for Californians, the flooding this year is here. As
predicted the rains have come from our long long drought. After three
years, the rain gods have answered.
A common misconception in
California is that only the people in the Midwest need flood protection
and that is a poor argument. Although the floods that we get in
California are different they are certainly not nonexistent.
Lucky
for many of the residents of the San Francisco Bay Area, Flood
Insurance can be inexpensive you if you live in a good flood zone and
your community participates in the National Flood Insurance Program,
otherwise known as the NFIP. National Flood Ins is essentially
underwritten by US National Government through the Department of
Homeland Security.
Clients that live in A and V flood zones,
unfortunately will pay much more in flood insurance costs. Sometimes
upwards of 9 or even 10 times that cost. There are, of course, numerous
other rating factors involved such as the exact elevation of your house
and the foundation you have. Clients that live in these so called high
risk flood zones are increasing being tasked with a herculean task of
paying flood prices that would make the average consumer's eyes water.
Trust me, it's a high number
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