Grasshopper Versus an Ant

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Be the Ant

Let Us Help
Protect You!

We are all familiar with Aesop’s fable of the ant and the grasshopper. The grasshopper spent the whole summer lying around in the shade, while the ant prepared for winter. The grasshopper had decided that there would be plenty of food left around for winter, as most winters he had found that food was not sparing. This particular winter happened to be worse than others, and the grasshopper was definitely not prepared, but the ant was. 

This is how Flood Risk America feels about hurricane season. Although it is winter, and we have cold weather and shoveling snow, instead of water on our mind, it’s best to prepare early, especially in coastal or flood prone areas. 2018 was a hard year for a large portion of the United States; FEMA had been backed up for months with the amount of flood claims and damage. Why not be proactive for the 2019 season?

Many claims are still being handled, but many people are still in the mindset of the grasshopper. Let Flood Risk America help you understand your options when it comes to flood protection and mitigation assistance. We tend to lean on the favor of the ant, helping our clients prepare before a loss occurs. With our 24/7 flood deployment team, durable, corrosion-resistant flood panels, American-made products, flood consulting services, and team of experienced flood mitigation professionals, we will guide you in the right direction to not only protect your property from flooding, but we will save you money on your flood insurance premiums and deductibles. 

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 

Why Choose Flood Risk America

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One of the reasons why you would want to choose FRA’s Flood Panels over any other company would be our outstanding customer service. We have over 20 years of experience and are available 24/7 for questions and concerns. We have an outstanding team of trained flood professionals, architects, engineers, and educators.  At Flood Risk America, we believe that education is important for both safety and effectiveness.  Our trained professionals will simulate a mock deployment for you and your team and make sure that you and your staff are prepared for an emergency flooding situation. 

Most companies will sell you a product, but how do you know each year that it will still work effectively? At Flood risk America every year we inspect the gaskets, panels, nuts, bolts, anchors, and parts, and maintain a 24/7-flood deployment service. We want to make sure our clients (You) are satisfied and prepared for Mother Nature’s surprises. 

Our panels are lightweight, FEMA compliant, military grade, and come with a lifetime warranty. We knew that if this material was efficient enough for the military, in the haul of an icebreaker and marine vessels, than we could test it out as a superior FRA Flood Panel (Ask us for our testing video to see for yourself). We supply you with deployment blueprints, product and deployment training, and we can help you through FEMA funding. Overall, we are your one stop shop for any flood related concerns and would love the opportunity to protect you from any flood related damage. 

FRA Flood Panel Specifications

The FRA Flood Panel uses sustainable flood seal technology to protect elevators, storefronts, windows, control room doors, unmovable equipment, etc., against rising floodwater. This device creates a sealed barrier around the openings preventing water from entering. Each panel is designed specifically for a customized fabrication to meet individual installation requirements and custom shaping and contouring to meet job specific demands. 

It is both easy to install and remove, taking less than ten minutes. The FRA Flood Panel is the ONLY FEMA compliant, ISO certified, and insurance industry certified panel on the market. The FRA flood panel has the ability to lower insurance premiums and deductibles, give clients better coverage limits, and help them to obtain federal grant assistance for flood loss.

The FRA Flood Panel is durable, lightweight, corrosion resistant, cost-effective, and designed to withstand more than 13,000 PSI.  It was developed with technology utilized in aerospace, marine, transportation, and energy markets and scientifically developed to withstand harsh saltwater environments. It is made in America, has been rigorously tested by our certified team of engineers, and comes with a guaranteed lifetime warranty. 

Some of the biggest differences between Flood Risk America’s flood panel and the competitors are the lightweight, corrosion-resistant surface, difference in price, moldable surface to secure an area, and the only flood panel certified by insurance companies.  The FRA Flood Panel is 4 times lighter than steel, which is what most flood panels are manufactured from, and it is 30- 40% less expensive.  The FRA Flood panel can be customized to fit any area or size, comes with a vulnerability assessment, and deployment blueprint.

 

 

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