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
Time Size Location County State Lat Lon Comments
1227 100 2 E SARONA WASHBURN WI 45.72000 -91.77000 TIME ESTIMATED BY RADAR. (DLH)
1230 200 1 S SARONA WASHBURN WI 45.70000 -91.80000 MOST OF THE HAILSTONES WERE THE ABOUT 1 INCH IN DIAMETER... BUT THERE WERE A FEW UP TO 2 INCHES. (DLH)
1242 150 3 NE SARONA WASHBURN WI 45.75000 -91.76000 THE SPOTTER SAID THIS HAIL WAS FALLING IN THE TOWNSHIP OF MADGE. (DLH)
1441 125 4 WSW NORTHWOODS BEACH SAWYER WI 45.89000 -91.48000 THE LARGEST HAILSTONES WERE HALF DOLLAR SIZED. (DLH)
1537 100 LAURIUM HOUGHTON MI 47.24000 -88.44000 HAIL UP TO QUARTER SIZE FALLING. (MQT)
1559 100 KEWEENAW BAY BARAGA MI 46.86000 -88.49000 (MQT)
1840 100 3 ENE AUGUSTA RICHMOND GA 33.47000 -81.95000 DIME TO QUARTER SIZED HAIL. PUBLIC REPORT FROM NEIGHBORING OFFICE. (CAE)
1923 100 1 E WRIGHTSVILLE JOHNSON GA 32.73000 -82.71000 QUARTER SIZED HAIL REPORTED 1/2 MILE OUTSIDE OF WRIGHTSVILLE ON HWY 319 (FFC)
2205 100 THOMASTON UPSON GA 32.89000 -84.33000 PUBLIC REPORTS OF MARBLE- TO QUARTER-SIZED HAIL IN THOMASTON (FFC)
2208 100 6 N SALEM MCCOOK SD 43.81000 -97.37000 (FSD)
2240 100 2 SSW FLORA MIAMI IN 40.71000 -86.02000 REPORTED NEAR INTERSECTION OF STATE ROAD 19 AND COUNTY ROAD 400 S. RELAYED TO NWS BY AMATEUR RADIO OPERATOR. SIZE ESTIMATED. (IWX)
2355 100 4 SSE MOUNT VERNON DAVISON SD 43.66000 -98.23000 (FSD)
Today's Wind Reports
Time Speed Location County State Lat Lon Comments
0024 UNK 8 NNE GRIGGS CIMARRON OK 36.71000 -102.06000 5 POWER POLES DOWNED. (AMA)
0255 UNK 3 W WATSON CHIPPEWA MN 45.01000 -95.85000 SEVERAL TREES OF ~6-12 INCHES IN DIAMETER DOWN. (MPX)
0315 UNK MURDOCK SWIFT MN 45.22000 -95.39000 NUMEROUS TREES... UP TO ONE FOOT IN DIAMETER... WERE BLOWN DOWN IN MURDOCK. POWER WAS OUT IN PART OF THE CITY. (MPX)
1200 UNK 1 NE PROCTOR ST. LOUIS MN 46.76000 -92.21000 A FEW TREES KNOCKED DOWN ONTO POWER LINES. TIME ESTIMATED FROM RADAR. (DLH)
1202 UNK 3 NNE PROCTOR ST. LOUIS MN 46.78000 -92.20000 9" DIAMETER HEALTHY POPLAR TREE DOWNED. TIME ESTIMATED BY RADAR. (DLH)
1213 61 3 NE HERMANTOWN ST. LOUIS MN 46.84000 -92.21000 ASOS STATION DLH... DULUTH AIRPORT. (DLH)
1214 UNK RICE LAKE ST. LOUIS MN 46.89000 -92.11000 A FEW TREES KNOCKED DOWN ONTO POWER LINES. TIME ESTIMATED FROM RADAR. (DLH)
1347 UNK 9 WSW GRAND MARAIS COOK MN 47.71000 -90.52000 FEW TREES KNOCKED DOWN BY MILE MARKER 100 ON HIGHWAY 61. TIME ESTIMATED BY RADAR. (DLH)
1535 UNK 2 SSE IRONWOOD GOGEBIC MI 46.43000 -90.13000 TREE DOWN ACROSS ROAD. TIME ESTIMATED BY RADAR. (MQT)
1552 UNK 1 N PARK FALLS PRICE WI 45.95000 -90.45000 TREE DOWNED... WHICH KNOCKED DOWN A CABLE NEAR AGENDA AND NORTH RIVER ROADS. TIME ESTIMATED FROM RADAR. (DLH)
1610 UNK 8 ENE MARENISCO GOGEBIC MI 46.44000 -89.55000 POWER LINES DOWN AND TREE ACROSS THE ROAD. TIME ESTIMATED BY RADAR. (MQT)
1628 UNK ARBOR VITAE VILAS WI 45.91000 -89.65000 SOME POWER LINES DOWN ACROSS ARBOR VITAE. TIME ESTIMATED BY RADAR. (GRB)
1720 UNK 3 W CASPIAN IRON MI 46.06000 -88.68000 TWO POWER POLES SNAPPED. SEVERAL MEDIUM TO LARGE DIAMETER PINES ALSO FELL AND BLOCKED BAUMGARTNER ROAD IN STAMBAUGH TOWNSHIP. DELAYED REPORT VIA SOCIAL MEDIA. (MQT)
1800 60 1 W TROWBRIDGE PARK MARQUETTE MI 46.55000 -87.46000 ESTIMATED 50-60 MPH WINDS. (MQT)
1816 UNK 3 WNW GWINN MARQUETTE MI 46.30000 -87.50000 POWER LINES DOWN--TIME ESTIMATED BY RADAR. (MQT)
2058 UNK MOBILE AIRPORT MOBILE AL 30.68000 -88.24000 A FEW POWER POLES WERE SNAPPED IN HALF NEAR THE MOBILE AIRPORT. (MOB)
2115 UNK 1 SE CRAWFORD RUSSELL AL 32.45000 -85.18000 TREE DOWN ACROSS FENCE NEAR INTERSECTION OF LANEY RD AND BOSWELL RD. NO OTHER DAMAGE INDICATED. (BMX)
2115 UNK 1 SE CRAWFORD RUSSELL AL 32.45000 -85.18000 TREES DOWN NEAR INTERSECTION OF LANEY RD AND BOSWELL RD. (BMX)
2128 UNK 3 W SARGENT CUSTER NE 41.64000 -99.43000 THREE POWERPOLES DOWN. TIME EST FROM RADAR. (LBF)
2141 63 1 NNW CLOVIS CURRY NM 34.43000 -103.21000 BARRY ELEMENTARY SCHOOL. (ABQ)
2213 UNK WAVERLY PLACE BIBB GA 32.79000 -83.65000 TREE DOWN ON MIKADO AVE ON THE SOUTH SIDE OF MACON (FFC)
2240 UNK 4 W ROGERS ACRES CRAWFORD GA 32.75000 -83.85000 2 TREES DOWN ON MARSHALL MILL RD NEAR POTTERY RD IN EASTERN CRAWFORD COUNTY (FFC)
2308 UNK 3 SW FRIENDSHIP CRAWFORD GA 32.65000 -83.90000 TREE DOWN ON WALTON RD NEAR UNION CHURCH RD IN SOUTHEASTERN CRAWFORD COUNTY (FFC)