When Your Patio Can Turn Your First Floor into a Basement

Frequent readers of our blog know there are many quirks and pitfalls in the National Flood Insurance Program of which policyholders must be aware. Here in the Garden State, many have seen their flood claims drastically reduced because of the basement exclusion. The Standard Flood Insurance Policy defines a basement as “[a]ny area of the building, including any sunken room or sunken portion of a room, having its floor below ground level (subgrade) on all sides.” Pursuant to the recent 1st Circuit opinion in Matusevich v. Middlesex Mutual Assurance Company, alterations or improvements sitting on top of the ground can effectively alter the ground level and change a first floor into a basement.

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The Road to ALE, from Loss to Being Incurred, Part 2 - "Uninhabitable Conditions"

During the 15 to 30 seconds that my home rolled and shook on Sunday from the 3.5 earthquake centered in Baldwin Hills, California, I was prompted to think about the habitability or rather “uninhabitable conditions” I may encounter if the shaking got any worse or continued. Earthquakes are rather commonplace in California and thankfully this earthquake, which was centered within 10 miles of my home, ceased and I was able to continue on without damage or loss.

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Bill to rename, reform windstorm insurance agency passes panel
AUSTIN — A bill to reform and rename the Texas Windstorm Insurance Association made it out of committee Tuesday and heads to the full Senate, ...

Adjusters International to Seek GSA, Expand Reach to Government Agencies
“Adjusters International has been guiding public agencies to successful disaster recoveries for 30 years. We have specialized in insurance consulting ...

Lawmakers vote out insurance over-litigation bill
Larry Taylor, R-Friendswood, aims to stop recent situations such as with hail storms in the last two years where public adjusters and attorneys ...

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Today's Storm Reports

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- Hail
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Today's Tornado Reports - No reports received
Today's Hail Reports - No reports received
Today's Wind Reports
Time Speed Location County State Lat Lon Comments
1955 UNK 1 SSE WASHINGTON WILKES GA 33.73000 -82.73000 TREE WAS BLOWN OVER IN WASHINGTON ALONG BAKER ST (FFC)
1955 UNK WASHINGTON WILKES GA 33.73000 -82.74000 TREE BLOWN DOWN IN WASHINGTON AT S ALEXANDER AND BALTIMORE RD (FFC)
2127 UNK 3 SSW LINCOLNTON LINCOLN GA 33.76000 -82.51000 LINCOLN COUNTY EMERGENCY MANAGER REPORTED TREES DOWN ON HWY 378. (CAE)
2155 UNK GRANITE CITY MADISON IL 38.71000 -90.13000 LARGE TREE LIMBS BLOWN DOWN KNOCKING DOWN POWER LINES AND CAUSING SOME POWER OUTAGES (LSX)