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Forecasters from Colorado State University (CSU) predict a mild 2014 Atlantic hurricane season, but those who live in hurricane prone areas of the country should not assume they  will not be hit by a storm, say the Insurance Information Institute (I.I.I.) and the Institute for Business & Home Safety (IBHS). 

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May, 2014

"Flooding is a Major Risk to
Every Property Owner"

Every year we see large losses caused by flooding in areas that have never been identified as flood zones by FEMA. Flooding is one of the most common disasters and many times has nothing to do with traditional flood zones.

Some common examples are surface water entering your residence or business due to a lack of water management by the original construction or renovations. We have seen this in neighborhoods, retail spaces, commercial offices and many others. None of them were in FEMA designated flood zones.

We feel it's important that all of our clients, business and personal, know they should consider protecting themselves against flooding. We hope the attached information help.

e have included several articles in this month's newsletter that will hopefully be informative and help you properly value your personal and business property. Please contact us if you would like to discuss your individual needs
Be sure to connect with us on Facebook and Twitter for great personal and business asset protection tips.
Joey Huckaby
FEMA: Flood Risks Never Cease

Being in the midst of the season, a flood insurance policy is an important thing to have. But even at points in the year where high water levels aren't as pervasive a threat, investing in a plan is a smart move to make, the Federal Emergency Management Agency recently advised.

Perhaps the best evidence of this is the fact that flooding is the most common natural disaster in the United States, FEMA stressed. Not only that, but past events have demonstrated that in places not accustomed to flooding, severe losses have resulted. In the past five years, all 50 states have witnessed a major or flash flooding event. This may be because there are a variety of ways in which one can transpire.

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How Business Owners Can Prepare for Flood Season    
Cash flow is the lifeblood of all businesses. But in the wake of a flood, too many business owners are forced to divert substantial funds to repairing flood-damaged property, instead of growing their business. Without flood insurance, it will not be long before a business is under water, according to the Insurance Information Institute (I.I.I.). 
After Hurricane Sandy struck in October 2012, entire businesses were wiped out; their inventories and equipment destroyed. In fact, almost 40 percent of small businesses never reopen their doors following a disaster because just a few inches of water can cause tens of thousands of dollars in damage, the National Flood Insurance Program (NFIP) reports.

Thank you for allowing Huckaby and Associates to help you with your insurance needs.


Joey Huckaby

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