One Company's Solution to Repetitive Loss Claims

One Company's Solution to Repetitive Loss Claims

Nationwide, 11,000 repetitive loss properties dot coastal zones or other low-lying areas with their numbers continuingly increasing. This rise is in part because of the effects of climate change and ongoing development. Flood Risk America is a company dedicated to decreasing these numbers.

Flood Risk America is Keeping Their Beaches Clean

 

Flood Risk America and Flood Risk Canada are concerned about the contamination and garbage that is occurring on our beaches. We are taking action and have created a schedule of beach cleanup days. Join our volunteers in making steady progress to clean up beaches in both the United States and Canada

 “Our mission is to protect both the environment and

marine wildlife, while making our beaches beautiful again.”

-Stephen Gill, CEO

 

What to expect on beach cleanup day:

·     Clean up will start at 8am

·     Work gloves and trashbags will be supplied

·     Don't forget sunscreen and a bottle of water

·     A parent or guardian must supervise all children under 18

·     Fun in the sun and happy beaches 

 

To Volunteer or if you would like more information about a particular beach cleanup near you, visit: www.floodriskamerica.com

 

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

Company Finds way to Save Companies Money, Without Having Them Spend Out-of-Pocket For Their Services.

Company Finds way to Save Companies Money, Without Having Them Spend Out-of-Pocket For Their Services.

The mission of the company is to keep clients happy and to not only save them money on their flood premiums and deductibles, but to provide that service free of charge.

Flood Risk America Saves Parking Garages and Basements From Flooding

Parking garages and basements are a big concern for insurance carriers.  From a structural standpoint, they are comprised of enclosed areas, which happen to result in flood damage to not only the building itself and the cars that are contained, but a flooding event can also affect mechanical and electrical equipment. Other vulnerable utility equipment such as ventilation, lighting, elevators, and drainage pumps can also be affected. “We have seen a number of cases lately where property owners have lost thousands to millions in damage. This is one reason why we wanted to help property owners understand their risk and help them to obtain federal funding,” said Stephen Gill, CEO of Flood Risk America and Flood Risk Canada.

Flood Risk America and Flood Risk Canada’s comprehensive analysis will review the structural characteristics of the building. The analysis evaluates the building’s finished floor elevations, location of elevators, equipment (both mechanical and electrical), and compares it with the lowest floor elevation and the base flood elevation. “The relationship between the base flood elevation and a structure’s elevation is what determines the flood insurance premium,” explained Stephen. Many properties may be below, at, or above the base flood elevation. With a comprehensive assessment, clients will begin to understand their vulnerability.

Flood Risk America and Flood Risk Canada have a new analysis to assess the vulnerability, the Property Portfolio Flood Risk Assessment for property owners. This assessment allows clients to review their flood exposure throughout both the United States and Canada. This assessment will assist many property owners in saving money on their flood insurance premiums and deductibles, and also with protecting valuable assets. 

For more information on the Property Portfolio Flood Risk Assessment or flood grants that are available to property owners, visit www.floodriskamerica.com and www.floodriskcanada.ca or contact Stephen gill at sgill@floodriskamerica.com 

Company Helps Builders Save Millions of Dollars

Flood Risk America (FRA) provides in-depth, professional, FEMA compliant, flood mitigation pre-development consulting services to construction companies and real estate developers. "We have the tools and expertise to anticipate the potential future Base Flood Elevations (BFE)," said Stephen Gill, CEO. With architectural and engineering experience in flood prevention, FRA works with clients to evaluate the data and prepare recommendations to current design specifications. These services provide a FEMA compliant structure, which helps maintain the lowest flood insurance premiums available.

Flood Risk America’s comprehensive flood risk assessment reports delineate the anticipated risk of current and future flooding from tidal water, storm surges, heavy rainfall, and groundwater inundation. Assessments include an in-depth customized view of the entire site, and also the property’s vulnerability to climate change and global warming. This flood-mapping data will be useful to construction companies for future building on proposed locations.

Not only do they assess the entire construction site, but they also provide their clients with detailed maps of the entire site, including an all-weather peril assessment, recommendations on level of which to build, and specific flood mitigation solutions based upon the detailed assessment. Lastly, Flood Risk America navigates their clients through local and national flood plain requirements. 

 

     Benefits of FRA's Services

·     Reduce Construction Cost

·     Avoid Costly Flood Proofing Errors

·     Expedited Permitting Time

·     Building FEMA Compliant

·     Lender Compliant 

·     Navigation through local and Federal Floodplain

      Regulations

·     Increases Property Value

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

Company Launching New Flood Insurance Program For Golf Courses

Stephen Gill, Partner and CEO of Flood Risk America & Flood Risk Canada, announced today that they would launch their new Flood Insurance Program at the Golf Course Industry Show in Orlando, Florida on February 8, 2017. Flood Risk America and it’s sister company, Flood Risk Canada will have a booth set up to explain the benefits and terms of conditions related to their new program.

A few months back, golf course owners and superintendents contacted Stephen Gill and told him of the problem they were facing regarding the inability to obtain flood insurance on their bunkers and greens, also they included the amount of business they were losing from flood damage on their courses. Stephen, along with his team of engineers and flood plain managers, began a thorough flood risk assessment on the various surrounding golf courses, pointing out the different areas of the courses that were at risk of flooding. “Not only can we do a flood risk assessment, but we can prevent flooding, water damage, and loss of business with our new products,” said Stephen Gill.

Flood Risk America & Flood Risk Canada service locations all across North America and solve flood problems in a multitude of industries. With one of their businesses located in sunny Florida, the golf industry for flood risk hits home for them.  “Our clients are the most important aspect of our job, when they contact us regarding a problem, we want to find them a solution, and in this we take great pride,” said Tiffany Largey, Partner and COO. 

Company Offers New Service That Will Benefit Lending For Banks, Insurance Carriers, & Event Coordinators

Flood Risk America and it’s sister company, Flood Risk Canada is excited to announce their newest addition to their already highly acclaimed flood risk mitigation services, the All Weather Peril Assessment. This assessment provides insight about weather threats to not only properties and locations, but also for planned special events. Our All Weather Peril Assessment will help you understand exactly how the weather will impact your specific location.

The All Weather Peril Assessment is a unique service specifically designed for residential buildings and commercial property lending for banks, insurance carriers, and event coordinators. The All Weather Peril Assessment identifies properties and locations in the path of severe weather events and are performed using the most current data available, leaving the client with a detailed summary report. The flood zone data alone is based on current LIDAR flood maps, providing specificity to each location. Not only is the client receiving detailed, site-specific information, but also the services can be customizable for all levels and sizes of property portfolios throughout North America. The All Weather Peril Assessment is also used for planned special events to forecast and monitor the current weather patterns so that there is less worry and more enjoying. With clearly defined, detailed information in these assessments, there is control over risks, protection of investments, and uncertainty is reduced.

"There is control over risks, protection of investments, and 
uncertainty is reduced."

All Weather Peril Assessments Include:

•  Flooding

•  Earthquake

•  Tornado

•  Lightning Storm

•  Hail

•  Storm surge

•  Wind data

How To Become Successful In Life and In Business

We spend our whole lives searching for the perfect house, the perfect relationship, the perfect job, that we forget about the most important part of life… living. Living in the moment, experiencing the present, understanding our purpose is already within us, but finding that which we already hold in our hearts. This seems like a pretty easy concept, right? Unfortunately, to become successful in life and in business, this is one of the hardest ideals to learn. Success is first created in our mind, and then followed by our footsteps.  The real search should be for our true passion, because once that is found; everything else will begin to follow. 

Tony Robin's famous quote on success is, “ The path to success is to take massive determined action.” We can agree that success in both life and business will not happen if we don’t make strides in the right direction, but can we also agree that happiness may not be present if we don’t first find it within ourselves? How do we do that? 

1.    We get dirty. We open ourselves to the things in life that are holding us back from creating what we were made to do. We face our fears. Maybe our lack of success comes from the fear of failure, if this is the case, we must first find healing within.

2.    We love. We forgive not only the people around us, but ourselves. We stop judging, condemning, and harboring unresolved feelings and spend time finding what makes us, and the people around us truly happy. 

3.    We communicate. We pray, meditate, write, journal, or whatever is in your practice, to establish healing and direction. This healing may not just be centered on you, but everyone around you, including co-workers, friends, family, and anyone else that crosses your path. 

4.    We have faith. We understand that if we are living and working based on our life’s passion, success will soon follow. 

I posted this picture of my business partner and I to not only represent the passion we have behind our company, but to help enlighten more souls. We are in this giant bathtub cleaning life’s most soulful animal, yet in a sense we are cleansing ourselves.  We are working as a team, learning new cultures, and not only enjoying the journey of life, but the ride. At Flood Risk America and Flood Risk Canada, we are here to keep you dry, not only from flooding, but from life’s downpour. Let us help you secure your passion. 

"The real search should be for our true passion, because once it is found; everything else will begin to follow. "

Why Golf Course Owners are Extremely Happy

Golf is a prestigious sport loved by many people across the world. With the contributing factors of its relaxing atmosphere, beautiful courses, perfectly set grass, and small bodies of water, golf is a sport that can heavily rely on the consequences of Mother Nature. If a golf course floods, golfers have to choose another course to play and in return, golf course owners lose money and potential clients.

“Golf course owners contacted us regarding the inability to obtain flood insurance on their greens and bunkers. They explained the cost of damages they were facing regarding flooding damages, and what could be done to prevent them, so we came up with a solution,” said Stephen Gill, CEO of Flood Risk America & Flood Risk Canada. 

Flood Risk America and Flood Risk Canada are sister companies that specialize in flood assessment and mitigation techniques. Stephen Gill, along with his business partner, Tiffany Largey were determined to find a solution to keep golf courses from flooding, golf course owners happy, and golfers still playing their beloved sport. 

  • They created a detailed assessment of every green and bunker, including the clubhouse and any other structure lying within the perimeters of each course. From this flood risk assessment, they found which areas would have the potential risk of flooding and then devised an individualized flood plan for each golf course.

“We share the same type of excitement people acquire when they play golf and feel that we have hit our hole-in-one with this concept. We are truly excited to help many golf course owners maintain their business and golfers to continue improving their game,” Tiffany Largey, Partner and COO. 

We have hit our ‘hole- in- one’ with this concept.
— Tiffany Largey, COO

Railroad Safety

The Federal Railroad Administration highlights the importance of safety within the railroad industry. Their mission focuses on efficiency, reliability, and protection of passengers, cargo, and railways.

Flood Risk America & Flood Risk Canada is proposing a solution to all Railroad companies to decrease the amount of derailments, potential losses, and injury. What if we were to tell you that we could not only help you maintain a safe and efficient transportation system, but we could potentially save you millions of dollars? With our extensive flood prevention and mitigation products, new services, and detailed flood risk assessments, we can positively change the preventable fatalities, derailments, and outward cost of the rail industry.

To prove our theories related to cost analysis, we asked a credible source within the United States insurance industry to give us an estimate on how much Flood insurance can potentially cost. The answer we received was appalling. When a track is within a flood zone, the deductible can be up to $5,000,000 and the sublimit is lower. When the track is outside of a flood zone, the deductible is $250,000 and your sublimit is much higher. After hearing this information, my partner and I came together and made it our utmost goal to do whatever it takes to not only help our clients achieve their highest amount of safety, but to also save them money in the process.

At Flood Risk America and Flood Risk Canada we are proud to say that we honor both our clients and their investments. We work diligently to protect and prevent losses, while creating a trustworthy and sustainable relationship. We look forward to becoming your solution.

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Flood Risk America Helps Victims of Hurricane Mathew With FEMA Grant and Mitigation Money

Hurricane Matthew had devastating effects across the Atlantic coast. As a result of this catastrophic event, many businesses have been closed down due to flooding, not only leaving many people out of work, but also billions of dollars in reconstruction value. 

“We are deeply sorry for the losses that anyone has faced during Hurricane Matthew and we want to do whatever we can to help property/business owners understand their available options, preventing this from happening in the future,” said Stephen Gill, CEO of Flood Risk America. 

Currently, FEMA administers three programs that provide funding for eligible mitigation planning and projects that reduce disaster losses and protect life and property from future disaster damages. The three programs are the Hazard Mitigation Grant Program (HMGP), the Flood Mitigation Assistance (FMA) Program, and the Pre-Disaster Mitigation (PDM) Program.

"We want to do whatever we can to help property/business owners understand their available options, preventing this from happening in the future,” Stephen Gill, CEO Flood Risk America 

Flood Risk America is ready to help with the FEMA Grant and Mitigation assistance. Flood Risk America will review your property’s coverage for free and determine which preventative measures will reduce potential damages and avoid any major flood loss. 

Flooding has caused significant damage and disruption, which will only increase in frequency and magnitude in the future. “Our job is to keep you and your property protected,” said Stephen Gill.  

Introducing Golf Course Flood Prevention Program

Flood Risk America announced today the launch of a Golf Course Flood Prevention Program. This program is uniquely designed to help golf course owners and managers acquire flood insurance not only on the clubhouse, but also to the bunkers and fairways as well. In order to best serve our clients, we have developed a three-step flood prevention process.

Elevator Flooding - How to Prevent It?

Flooding to any building can cause extensive damage, but elevators tend to be the most susceptible because the pits of the elevators are usually one of the lowest points in a building, giving rise to floodwaters. To address this issue, Flood Risk America launched a three-step elevator and control room flood prevention program.

Flood Risk America Launches Live Flooding Sensory System, Helps Mitigate Flood Risk

Flood Risk America launches a new flood risk monitoring and prevention tool – Flood Sensory System - that monitors and alerts on the current water level activity, wind speed, and velocity action in a specific location.

Inside the Pre-Emergency Preparedness Planning Program

Introducing Pre-Emergency Preparedness Planning Program - extremely effective set of emergency prevention services that include our signature 24/7 Flood Watch along with Flood Defense products to ensure that your investments are protected from ALL weather-related perils before it even occurs.