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Preliminary FEMA flood maps for New Jersey reduce high-risk zones

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New preliminary flood maps for Atlantic , Ocean and two northern New Jersey counties drastically reduce the high-risk zones that would have required many homes to be built on piling.
Overall, though, the flood hazard zones are still increasing from what has been in place for decades.
The “velocity,” or V zones – which would have required homes with flood insurance to prepare for 3-foot waves – were reduced by 80 percent in Atlantic County , said Bill McDonnell, FEMA’s hazard mitigation branch director, while Ocean’s V zones were reduced by 45 percent.
Gone are V zones that included large sections of Margate , Ventnor, Atlantic City and Brigantine, as well as sections of Little Egg Harbor, Tuckerton and Long Beach Island .
Preliminary maps for Monmouth and Hudson counties also were released Monday, with other counties, including Cape May and Cumberland , to come in the coming months.
McDonnell said that the state Department of Environmental Protection, which adopted the advisory maps shortly after they were initially released, will now be able to transition to the new preliminary maps because of language in the statute that refers to the “best available data.”
The maps are not yet effective, FEMA officials stressed, and municipalities won’t officially receive the preliminary maps until this summer. Municipalities are also asked to continue to provide information and data for any appeals.
Adoption is expected some time in 2014 or as late as 2015, FEMA said, and Flood Insurance Rate information will also be released soon.
FEMA also reminded residents and homeowners that the overall flood hazard zones will increase from the current, active flood maps, despite the proposed V zones being rolled back.
Many areas currently not in “A” flood zones – in which flooding could be expected during the worst “one percent” of storms, formerly described as the “100-year storm” – will be in flood hazard zones if the maps are adopted. The overall flood hazard zones increased by 6 percent in Ocean County , while exact numbers were not available in Atlantic County .
Homes in the A zone would have a recommendation of base elevations of 9 to 11 feet for homes with flood insurance, which is required for any homes with federally backed mortgages. New Jersey also has a minimum standard of one foot on top of minimum federal requirements, McDonnell said. But unlike in V zones, piling are not required to defend against waves, and building restrictions are not as stringent.
So why were the proposed V zones so much larger than they ended up being?
McDonnell said that FEMA was already in the process of revising its flood maps, many of which had not been changed since the 1980s, when Hurricane Sandy hit in late October. Even though its Overland Wave Analysis Study was not completed, “we provided the state of New Jersey with what we knew.”
That’s why New Jersey was unique in the nation in seeing its Advisory Base Flood Elevation maps – with its preliminary V zones – released so early, McDonnell said in defense of the decision.
“All indications showed that the risk would increased in the state of New Jersey ,” McDonnell said. “The risk was increasing and the elevation rising. If anyone wanted to rebuild during the recovery process, it would have been hard to do so without the advisory elevations and zones. It was prudent on our part to provide what we had to the state of New Jersey .”
The wave analysis study showed that there were more obstructions to waves in the back bays than originally estimated, especially in Atlantic County .
McDonnell advised those who had already built or rebuilt to V standards – and who now find themselves in a proposed A zone – that “they built to the standard recommended at that time, which was based on the best available data. They will have a more resilient structure and see a benefit in insurance premiums as a result of that.”
McDonnell also praised local officials for their input.
“‘Sometimes we had what we refer to as ‘heated discussions’, but all of it was productive,” he said. “Information we were able to exchange with them obviously proved to be (helpful). We do applaud local officials for their engagement.”
McDonnell made sure to add, however, that “We’re not changing the maps because of any political pressure, or any pressure at all.”
Local officials praised both FEMA and the local engineers and zoning officials, including the Downbeach-based Coastal Coalition, who spearheaded the efforts to change the maps.
“The whole town had been under a V zone, and now they rolled it back,” said Little Egg Harbor Assistant Administrator Mike Fromosky, though officials had not thoroughly examined the maps yet. “Just after a cursory inspection, we don’t have any residents in the V zone anymore.”
Brigantine Mayor Phil Guenther said that for residents, “this has been an incredible relief for them, and a reduction of anxiety,” Guenther said. “Those suffering significant damage now have a clear message on how to rebuild.” Guenther said.
The city cautioned those homeowners who were anxious to rebuild that they should wait until these new maps came out, he said, and he now expects an increase building permit requests.
As to those who already put their homes on the pilings required in a V zone, “that was a personal decision they made because they wanted to move as quickly as possible to get into their home,” he said. “But we did counsel people to wait.”
To see the maps
Preliminary maps can be viewed at http://fema.maps.arcgis.com/home/webmap/viewer.html?webmap=2f0a884bfb434d76af8c15c26541a545
Residents can search where their property is in the new preliminary flood maps at http://www.region2coastal.com/sandy/table .

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Insurance Companies Stingy on Payouts?

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Oklahoma State Insurance Commissioner John Doak and Merlin Law Group President Chip Merlin on the challenges homeowners face when trying to claim insurance payouts.

http://www.foxbusiness.com/on-air/willis-report/videos#p/157870/v/2416421845001

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From the Office of Program Policy Analysis & Government Accountability.

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OPPAGA
From the Office of Program Policy Analysis & Government Accountability.
A report has been prepared by this government accountability office at the request of Citizens insurance to “check up” on public adjusters.
They were concerned that public adjusters may be doing something wrong since the studies show that those claims represented by public adjusters during the catastrophic event produced considerably higher settlements. 747% on average.
The conclusion of this lengthy examination found no wrong doing on the part of the public insurance adjusters.
To read the full report please visit;  www.oppaga.state.fl.us/reports/pdf/1006rpt.pdf
Aftermath Public Adjusters feels that this information prepared in Florida in 2010, still represents a fair snapshot of the settlement differences to be expected here in New Jersey between an Insurance company offer and one negotiated by Aftermath Public Adjusters Inc.
Of course we won’t promise our clients the fastest settlement but we are unwilling to let low ball offers from insurance companies stand. We will fight for what is right for you.
Most claims are worked on a contingency fee basis with no out of pocket expenses to you and if you’ve already been made an offer, or cashed the check, don’t worry, there will never be a fee until we increase the money you already have.
Are you interested in being represented by Aftermath Public Adjusters Inc.?
Call to schedule an inspection of your home or business today. Why settle for less?

Aftermath Adjuster & Executive claims consultant: Dale Robbins

732-408-5139 Toll free 877-986-3876
Corporate office location;
233 Bellevue Ave. Suite 1
Hammonton, NJ. 08037
For reviews, referrals and more info, Web ; www.americanclaimhelp.com
email ; drobbins@aftermathadjusters.com

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Frozen Pipe Damages

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Frozen Pipe

What’s worse than a major home maintenance disaster? How about several major home maintenance disasters at once? For the quarter-million families who have their homes ruined and their lives disrupted each winter because of frozen water pipes, frigid nights can very quickly turn to ongoing, inconvenient, extremely expensive ordeals.

In cold and warmer climates alike, pipes freeze for a combination of three central reasons: quick drops in temperature, poor insulation, and thermostats set too low. Both plastic and copper pipes can burst when they freeze, and recovering from frozen pipes is not as simple as calling a plumber. A 1/8-inch crack in a pipe can spew up to 250 gallons of water a day, causing flooding, serious structural damage, and the immediate potential for mold.

Broken Pipes

In the United States, frozen pipes cause a huge amount of damage each year; unlike natural disasters, this disaster is largely preventable. By taking a few simple precautions, you can help save yourself the mess, money, and aggravation frozen pipes cause.

When water freezes, it expands. That’s why a can of soda explodes if it’s put into a freezer to chill quickly and forgotten. When water freezes in a pipe, it expands the same way. If it expands enough, the pipe bursts, water escapes and serious damage results.

Broken Pipe

Why Pipes Burst

Surprisingly, ice forming in a pipe does not typically cause a break where the ice blockage occurs. It’s not the radial expansion of ice against the wall of the pipe that causes the break. Rather, following a complete ice blockage in a pipe, continued freezing and expansion inside the pipe causes water pressure to increase downstream — between the ice blockage and a closed faucet at the end. It’s this increase in water pressure that leads to pipe failure. Usually the pipe bursts where little or no ice has formed. Upstream from the ice blockage the water can always retreat back towards its source, so there is no pressure build-up to cause a break. Water has to freeze for ice blockages to occur. Pipes that are adequately protected along their entire length by placement within the building’s insulation, insulation on the pipe itself, or heating, are safe.

If your water pipes have already burst, turn off the water at the main shutoff valve in the house; leave the water faucets turned on. Make sure everyone in your family knows where the water shutoff valve is and how to open and close it. Then call AFTERMATH Public Adjusters right away.  They can get a certified water remediation contractor to your home right away to mitigate and stop further damages as well as clean up and dry out the mess. AFTERMATH will also contact your insurance company on your behalf to make sure a rapid, fair settlement to compensate you for your damages so you can quickly get your home back to it’s pre loss condition.

Scott A. Richter

Aftermath Public Adjusters

 

 

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Report Here: Your Sandy Storm, Home and Flood Insurance Claim Experience

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flood-public adjusterI’d like to use this blog to compile & share actual experiences in the coming weeks and months. Please let us know the extent of your damage, what sort of adjuster came out to take a look at it and how was your experience with your adjuster. How long is it taking to get a full or partial estimate or settlement offer from your insurance company? Are you negotiating? Or are you using a public adjuster or a lawyer to represent you? Did you get a big check quickly? Are you thrilled with the result or not so much? Anything else you would care to share or spout off about?

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