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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Today's Tornado Reports - No reports received
Today's Hail Reports
Time Size Location County State Lat Lon Comments
0008 100 WATERTOWN WILSON TN 36.10000 -86.14000 (OHX)
1718 100 5 NNE MORGANTON BURKE NC 35.81000 -81.66000 QUARTER SIZED HAIL AT CHESTERFIELD FIRE DEPARTMENT. (GSP)
1801 100 ELKHORN WALWORTH WI 42.67000 -88.54000 ESTIMATED FROM A PICTURE POSTED ON SOCIAL MEDIA. (MKX)
1850 100 ELLENBORO RUTHERFORD NC 35.33000 -81.76000 QUARTER SIZED HAIL. (GSP)
2040 100 3 SSE MONROE UNION NC 34.95000 -80.52000 1 INCH HAIL REPORTED SOUTH OF MONROE... NC. (GSP)
2045 100 BELVIDERE BOONE IL 42.25000 -88.85000 MULTIPLE QUARTER SIZE HAIL REPORTS FROM SOCIAL MEDIA (LOT)
2049 100 BELVIDERE BOONE IL 42.25000 -88.85000 HALF INCH TO INCH HAIL. REPORT RELAYED BY ROCKFORD MEDIA. (LOT)
2134 100 1 SE BARTLETT DUPAGE IL 41.97000 -88.19000 MULTIPLE REPORTS OF NICKEL TO QUARTER SIZE HAIL (LOT)
2145 100 AUBURN SANGAMON IL 39.58000 -89.75000 PUBLIC REPORT RELAYED THROUGH BROADCAST MEDIA (ILX)
2146 100 CAROL STREAM DUPAGE IL 41.92000 -88.13000 REPORT FROM SOCIAL MEDIA (LOT)
2149 100 3 NW ATHENSVILLE GREENE IL 39.49000 -90.23000 TIME ESTIMATED BY RADAR. REPORT FORWARDED FROM WFO ILX SPOTTER. (LSX)
2152 100 AURORA KANE IL 41.77000 -88.29000 MULTIPLE REPORTS OF NICKEL TO QUARTER SIZE HAIL (LOT)
2153 150 AURORA KANE IL 41.77000 -88.29000 1.5 TO 1.25 INCH HAIL (LOT)
2208 100 1 N ROMEOVILLE WILL IL 41.66000 -88.09000 (LOT)
2322 100 BOURBONNAIS KANKAKEE IL 41.16000 -87.88000 (LOT)
2324 100 MANTENO KANKAKEE IL 41.25000 -87.84000 (LOT)
Today's Wind Reports - No reports received