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Flood Insurance in California! Is it worth it?

8/18/2021 (Permalink)

Out of 365 days of the year, California experiences sunny weather for 284 days. So what is the point of getting flood insurance when there is so little rain? 

To start, mortgage companies may require you to purchase flood insurance as part of the loan agreement, especially if your house is in a flood zone. A common mistake that some homeowners make is thinking that their home insurance covers flood, but that’s not always the case - and sometimes you don’t find that out until it’s too late. 

If you run into a flood scenario without insurance, you may have to pay an upfront payment for this kind of water damage, which could cost you up to $10,000

To most people’s surprise, flood insurance is affordable and usually purchasable through the National Flood Insurance Program. The average cost for an insurer is $793 per year and the options can be tailored to your home and flood zone. 

A flood insurance policy covers several risks faced by California homeowners:

1) Overflow of inland and tidal waters, such as rivers that can flood during heavy rain.

2) Mudflow over areas that are normally dry

3) Levee breaks

Something to keep in mind is that events such as a sinkhole or landslide will not be covered by the NFIP flood insurance policy. This will require additional coverage, for example, earthquake insurance.

So the big question, is it worth it? 

According to the California Department of Water Resources, every county in California has experienced a federally declared flood disaster within the past 20 years. 

These floods have caused rivers to overflow and damage thousands of homes at a time. These damages can easily cost thousands of dollars that you would have to pay out of pocket instead of having a portion of it covered by insurance. So unless you have a significant rainy day fund, it would be worth it to buy flood insurance to avoid unnecessary fiscal stress.

For more information or help navigating a flood situation, reach out now and we would love to help you! 

The 3 Types of Water Damages You Need to Know to Protect Your Home!

8/18/2021 (Permalink)

Being able to distinguish the type of water loss you are experiencing can help keep you and your family safe from hazardous contaminants and potential illness. And knowing which category your water damage is in gives you the insight you need on how to handle the damage until professionals arrive.

The three categories of a water loss are based upon the Institute of Inspection, Cleaning, and Restoration Certification(ANSI/IICRC S500). To start, the IICRC S500 considers both the originating source and what materials the water makes contact with to determine the range of contamination in water. The extent of the contamination in the water helps determine the category of the water loss. 

  • Category 1: Clean Water 

The water originates from a sanitary water source such as broken water supply lines; appliance malfunctions involving water-supply lines; and melting ice or snow. However, a category 1 water loss may go up to a Category 2 or 3 based on the general cleanliness of the home, or if it passed through building materials, or contains an odor. 

  • Category 2: Contaminated Water

The water originates from sources such as a discharge from dishwashers or washing machines; overflows from washing machines; overflows from toilet bowls with urine but no feces; and broken aquariums. This water contains significant contamination and has the potential to cause sickness if contacted or consumed by humans. 

  • Category 3: Hazardous Water

  The water is grossly contaminated and can contain toxigenic or other harmful agents. Examples of a category 3 water loss include sewage; toilet backflows; wind-driven rain; and flooding. For this type of water loss, you definitely want to wait for a professional to arrive as it is extremely dangerous to try to handle it on your own. 

After you figure out which category you’re dealing with, follow these steps on What to Do (and Not to Do) During a Water Damage.

For more information or help navigating a water damage, reach out now and we would love to help you! 

What to Do(and Not to Do) During a Water Damage

8/18/2021 (Permalink)

Do you know what you would do if you found yourself standing in 3 inches of water in your living room? Well, don’t panic! First, to determine how to handle this situation, knowing what type of water you are dealing with is crucial. 

The easiest way to look at it would be clean water vs. contaminated water.

Clean water can come from multiple sources such as toilet supply lines, dishwasher supply lines, an ice maker line to the fridge, or a hot or cold water supply line from your sink or shower. Essentially any source where the water does not encounter contaminates.  

Contaminated water can come from floodwater, toilet overflows, roof leaks, or slab leaks. Essentially any source where the water encounters contaminates and potentially a high degree of waste. 

When Handling Damage from Clean Water:


  1. Shut off the water source if possible
  2. Turn off circuit breakers for wet areas to keep yourself safe
  3. Remove as much water as you can by mopping it up
  4. Remove any valuables to a safe place to avoid damages (computers, paintings, documents, and any other sensitive materials)


  1. Enter a room where you can experience electrical shock hazards
  2. Leave items such as books, newspapers, colored rugs or other colored items on wet surfaces that may cause staining

When Handling Damage from Contaminated Water:


  1. Avoid contact with any sewage material or items affected by sewage
  2. Wash your hands if contact with contaminated items occur


  1. Spread contaminated water by walking through wet areas
  2. Use household fans to try to dry area

After handling the initial damage, reach out now and we would love to help you!

Top 4 Tips to Staying Safe During a Flood

8/18/2021 (Permalink)

Although it doesn’t rain often here in the Golden State, when it does, people aren’t always prepared for the worst. One of the worst situations you can find yourself in is being a victim to an unexpected flood that can destroy your car and house in a matter of minutes. 

This is why it’s important to understand floods and how you can prepare yourself to protect your family and assets.

Even Though there are many types of flooding, these are the two main types you should be aware of: 

1) Flash Floods

Flash floods occur when rainfall rises rapidly due to a lack of soil or vegetation which allows torrential rains to flow overland rather than penetrate the ground.

2) River Floods

River flooding is excessive rain that rises slower over a large area and develops from longer-lasting rainstorms, which is common in areas with wetter climate. Since Southern California is an area of dry climate and rocky terrain, it’s more prone to flash floods.

Here are some helpful tips to protecting yourself against a flash flood:

  1. Always be aware of your surroundings! Sometimes water can hit you from any direction. 
  2. Avoid driving or walking through floodwaters. You never know what’s floating around in there.
  3. Move to higher ground as soon as you get a chance. 
  4. If you happen to be in your vehicle when the flood hits, stay inside your car. If the water starts to rise, seek protection on the roof.


According to Ready, only 6 inches of moving water can literally push you down, and only ONE foot of moving water can sweep up your vehicle.

Enjoy the rain and stay safe!

For more information or help navigating a flood situation, reach out now and we would love to help you!