protection

Flood Risk America Saves a Hotel!!

Commercial Real Estate

Commercial Real Estate

 

A large commercial real estate owner had a Hotel on the water, paying $105,000 for flood insurance. 

Flood Risk America provided a complimentaryVulnerability Assessment, demonstrating how flooding and storm surge would affect the hotel, as well as incorporating the investigation of historical flooding. Flood Risk America then confirmed, from the Vulnerability Assessment,how the hotel could avoid future flood losses. 

FRA installed flood panels on the ground floor lobby to protect the elevators and lobby from avoiding a flood loss. FRA then went back to the insurance carrier and provided a customized flood mitigation plan for the Hotel. The insurance carrier then reduced the flood premium by $76,000.  

 

o  Cost of current annual flood premium:                         $105,000

o  Current savings with flood mitigation plan:                  $76,000

o  New current flood premium:                                         $29,000

 

“We saved hotel $76,000 on their Flood Insurance Premium.”
— Flood Risk America

 

 

To obtain a complimentary flood vulnerability assessment or to learn more about our services call Stephen Gill:

561-578-4220 or email  sgill@floodriskamerica.com

It's Peak Hurricane Season, Are You Prepared?

Hurricane Season

Hurricane Season

With the formation of Hurricane Gordon and Hurricane Lane within the last week and rain falling hard on your Labor Day weekend, have you thought about the “what if” of hurricane season? With active numbers reaching in the peaks of September and October, it’s better to be safe and protected, than last minute shopping at your local hardware stores to ineffective methods of flood protection. Most people think about the bottles of water and canned goods that they need, but most do not talk about their flood safety plan or make sure that their existing flood protection methods have adequate seals and gaskets. 

At Flood Risk America, we want to make sure that you are protected. We offer flood vulnerability assessments to pre and post constructed buildings, create safety plans, and suggest the most effective flood protection needs for your residential home or commercial properties. We have a multitude of different flood protection products and services, and customize FRA flood panels to the size and thickness that best fits your individual requirements based on a flood risk assessment. By using our products and services, you not only become protected during a storm, but you have the chance to lower your flood insurance premiums and deductibles. 

We have a team of flood experts, architects, and engineers offering 24/7 assistance and customer service to best serve you.  Education is beyond important to us, so ask us about our flood mitigation-training program and online webinars. 

For more information, visit www.floodriskamerica.com 

Preparation for a Flooding Emergency: Step 4: Pre-interventions

Three Key Steps in Pre-intervention Planning

 1.    Install flood mitigation measures in and around your property.

2.    Plan a safe retreat and have a meeting place

3.    Go over emergency plan and evacuation route

It is important to reduce the risk of damage to structures from flooding by elevating critical utilities, such as electrical panels, switches, sockets, wiring, appliances, and heating systems, and waterproofing basements. Secure the property. Tie down or bring outdoor equipment and lawn furniture inside. Make sure that basements are waterproofed and that your sump pump is working. Install a battery-operated backup in case of a power failure (FEMA, 2017).

Be aware of streams, drainage channels, canyons and other areas known to flood suddenly. Flash floods can occur in these areas with or without such typical warning signs as rain clouds or heavy rain. If instructed, turn off utilities at the main switches or valves. Disconnect electrical appliances. Do not touch electrical equipment if you are wet or standing in water. Fill the bathtub with water in case water becomes contaminated or unavailable. Before filling, sterilize the tub with a diluted bleach solution. Do not walk through moving water (FEMA, 2017).

Review your homeowners or renters insurance policy and update a list of your home’s contents by taking pictures or videotaping each room in the house. Keep papers in a fireproof and waterproof box. If records are stored electronically, keep a backup drive in your fireproof, waterproof box, or store files using a secure cloud-based service (FEMA, 2017).

If the danger is significant, local authorities may issue an evacuation notice to alert residents that flooding will be or is occurring. Evacuation orders vary by state and community, and may range from voluntary to mandatory. When authorities issue a mandatory evacuation notice, leave the area immediately. Don't drive through a flooded area. If you come upon a flooded road, turn around and go another way. More people drown in their cars than anywhere else. If your car stalls, abandon it immediately and climb to higher ground (FEMA, 2017).

If the waters start to rise inside of your house before you have evacuated, retreat to the second floor, the attic, and if necessary, the roof. Don't try to swim to safety; wait for rescuers to come to you. Below you will find an emergency supply list. 

Emergency Supply List: 

*     Water: one gallon per person, per day

*      (3-day supply for evacuation, 2-week supply for home)

*     Food: non-perishable, easy-to-prepare items (3-day supply for evacuation, 2-week supply for home)

*     Manual can opener for food

*     Battery-powered or hand-crank radio (NOAA Weather Radio plus extra batteries)

*     Sanitation and personal hygiene items

*     Copies of personal documents (medication list and pertinent medical information, proof of address, deed/lease to home, passports, birth certificates, insurance policies

*     Drivers license or form of identification

*     Milk, baby food, sterilized bottles and spoons, nipples, spare clothing, diapers and favorite toy.

*     Family and Emergency Contact Information 

*     Waterproof clothing (including rubber gloves, rubber boots)

*     Towels 

*     Flashlight

*     One blanket or sleeping bag per person

*     Medical supplies (hearing aids with extra batteries, glasses, contact lenses

*     Cell phone and charger

*     Pet supplies (collar, leash, ID, food, carrier, bowl)

*     Extra set of car keys and house keys

*     Matches 

*     3 days of extra clothing, hat, and sturdy shoes

*     CASH in small bills ($1, $5, $10)

(FEMA, 2017)

For more information, visit www.floodriskamerica.com or visit the FEMA website.

Preparation for a Flooding Emergency Step 3: Flood Mitigation Measures

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The third step in preparation for a flooding emergency involves constructing flood barriers or shields around individual pieces of equipment or areas that contain essential equipment to prevent floodwaters from coming into contact with them. 

For dry flood proofing to be effective, the barrier must be high enough to protect essential equipment from floodwater, strong enough to resist flood forces, and sealed well enough to control leakage and infiltration. Dry flood proofing measures must also satisfy applicable codes and standards. 

There are many different types of dry flood proofing measures, one, which includes the use of a flood panel. There are many different types of flood panels on the market. Make sure you choose a panel that is lightweight, cost effective, and corrosion resistant, and meets the recommended codes and requirements. It is important that the panel is tested properly for assurance and durability, and is of adequate height and length, in accordance with your flood assessment. 

Besides flood panels, you can purchase flood barriers, floodgates, flood sacks, flood bags, and you can even flood proof your walls. As with the flood panels, make sure each product is both saltwater and freshwater friendly, adheres to adequate codes and standards, and is the correct width and height for your proposed area. 

 

For more information, visit www.floodriskamerica.com

Preparation For a Flooding Emergency: Step 1 UnderstandingYour Risk, Vulnerability Assessment

Preparation For a Flooding Emergency: Step 1 UnderstandingYour Risk, Vulnerability Assessment

Be prepared this hurricane season. Understand your risk with a vulnerability assessment.

Preparation for Flooding Emergency Step 1: Understanding Your Risk, Flood Risk Assessment

Flooding is devastating and is becoming a larger threat each year. With global warming, different weather patterns, and inaccuracy of flood maps, we must have a set plan in place to prepare for Mother Nature’s most common disaster.   There are 5 steps that will help you to prepare. The first step begins with determining your flooding risk.

Your community officials or local emergency management offices are a great resource to learn about the history of flooding for your region. Ask whether your property is in the floodplain and if it is above or below the flood stage water level. Flood Insurance Rate Maps (FIRMs) are what are used to determine your flood risk. If these have proved inaccurate in the past, or you feel the flood insurance is higher than expected for your given area, make sure to contact a highly trained company who specializes in flood prevention assessment and flood map modeling.

Flood risk assessments are available to show you historical flooding on your property and information about flooding in a 100-year storm. If you are building or own a commercial property, more in-depth assessments are available to show you modeling in a 1-5 hurricane and storm surge for each year, along with a detailed report assessing your flooding risks.  

 

For more information, contact Flood Risk America at 561-578-4220 or visit www.floodriskamerica.com

 

Introduction to Emergency Flooding Preparation- 5 Part Series

Flood Risk America has spent these past few months traveling around the country speaking to many victims of the recent flooding disasters from Harvey, Irma, and Sandy. We first traveled to Texas and met with the Houston victims, we even went to Galveston, who suffered a loss from the 1900 Great Galveston Storm, which was one of the deadliest storms of its time. We traveled to parts of New Jersey and New York, from the tip of the Florida Keys, Miami, and up each side of the coast. We covered both west and east, spending time in Naples and Marco Island, all the way up to Jacksonville and the panhandle.

The stories and pictures that everyone has shared have been both amazing and life changing. It has brought us even more incentive to help as many of these people as we possibly can, not allowing this damage to happen again. Glass falling from the ceilings of buildings and crashing in destruction, water levels reaching so high, covering an entire bottom story, people holding their doors down so they don’t blow off, and countless amounts of visible water lines showing on the existing wall structures that are lucky to still be standing, these were just a few of the memories and stories that were shared.

Flood Risk America is a proactive flood protection company, specializing in both products and services. We believe that by traveling to all of these places, we were able to best understand our clients on a personal level, reliving with them their experience and memories. Not only do we want to help save more people from this deadly disaster of Mother Nature, but we have also created a 5 series discussion on emergency flood protection. Each week we will release a new article on our online blog relating to interventions before, during, and after a storm to prepare for the upcoming hurricane season.

 

For more information, visit www.floodriskamerica.com

Flood Risk America Travels to Houston 6 Months After Hurricane Harvey

When you leave this place, you will have physically seen what these people have gone through
— Stephen Gill, CEO

CEO Stephen Gill and COO, Tiffany Largey wanted to see how they could help more people around the Houston and Galveston area from becoming affected again from a devastating hurricane such as Harvey. They walked the streets of both Houston and Galveston, two large cities that have been greatly affected by floods and hurricanes reaching historical numbers.

Stephen, who is recognized as finding Flood Risk America, is a true advocate for flood protection and understands incredible devastation from working as a FEMA contractor during Hurricane Katrina. “As we entered the city, Stephen told me that when I left this place I will have been able to physically see what these people have gone through,” said Tiffany. This statement greatly affected her as she walked past the buildings that were still boarded up and the parking garages that had been flooded due to the intensity of rainfall that Houston had encountered.

Everyone in Texas welcomed these two Flood Gurus and helped them understand what they had gone through during the storm. While walking on the streets, they met a few people that spoke of their own story, how they were affected, and how some of their closest friends are still unable to return to their place of work. Stephen and Tiffany hit as many buildings that they could to teach about flood protection and ways to prevent floodwaters from entering, and how to properly save valuable/essential equipment. They met with some developers and contractors to find ways to improve the pre-construction development and how to properly flood proof a new structure.

 

For more information on how to protect yourself and business from rising floodwaters, visit www.floodriskamerica.com 

Houston Strong!

Taken by Tiffany Largey

Company Reaches Out to Architects With New Services to Advance the Industry

Integrated Project Delivery is an important trend in the AEC industry. Flood Risk America introduced their pre-construction consulting services to the architectural industry to help their IPD systems change in a unique and positive way that may influence a revolution in team collaboration.

For years, there has been a disconnect between FEMA and NFIP regulations. This division has impacted the insurability once construction has been completed. Flood Risk America has found a solution to identify problems and procure solutions to this matter, as well as educating their clients on how to understand FEMA compliant standards and available grant money for flood mitigation services.

Flood Risk America is using their expertise in guiding architects on understanding flood maps and challenging inaccurate flood zone delineations from FEMA for potential qualifications for LOMA and LOMR submissions. They have patented products that are FEMA compliant and certified for flood insurance credits, helping architects to mitigate problems and build in compliance with NFIP regulations. Flood Risk America is revolutionizing architectural design for flood mitigation and integrating project delivery for the AEC Industry.

 

Benefits of Services:

•       Reduce Construction Cost

•       Avoid Costly Flood Proofing Errors

•       Expedited Permitting Time

•       Building FEMA Compliant

•       Navigation Through Floodplain Requirements

•       Increase Property Value

•       Proper Mitigation Measures Against Potential Flooding

•       FEMA Grant and Mitigation Funding

Avoid Flood Exposure to Your Elevators and Essential Equipment

Consequences of flooding on elevators and valuable assets can devastate a facility’s ability to function and can also cause loss of business and interruption to both the clients and owners. In various instances, many facilities could not function for long durations because essential equipment was placed in basements, sub-basements, or ground floor levels that flooded. In some cases, components of vital systems were elevated well above the floodwaters, while other elements such as transformers, transfer switches, fuel tanks, pumps, etc., were placed at lower levels, leaving them susceptible to flooding and the elevators and essential equipment in the control rooms and other places were then rendered inoperative.

Our vulnerability assessments provide information and recommendations to improve the functionality of critical facilities by preventing flood exposure to elevators and valuable assets. These assessments describe how essential equipment must be protected from flooding to allow a critical facility to perform its primary function during and after a flood event. Flood Risk America and Flood Risk Canada will help you identify vulnerabilities in essential facility systems and equipment using our comprehensive flood mitigation approach.

Benefits of Our Vulnerability Assessments:

·     Reduction to the vulnerability, damage, and disruption of operations during severe

      flood events

·     Remain operational during and after a major disaster

·     Education on code requirements and FEMA recommendations

·     Customized mitigation plan for protection of essential systems and equipment

·     Designed mitigation plan to account for loss of power

·     Provision of new construction flood code requirements

·     Flood assessment including the investigation of historical flooding on specific

      location