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Jackie Colson-Miller

Jackie Colson-Miller
Direct - (813)629-5757
Toni Everett Company
5000 Bayshore Blvd
Tampa, FL 33611
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'Flood Insurance'

        

Do You Need Flood Insurance in The Tampa Real Estate Market?

Filed under: Flood Insurance, Flood Zones in Tampa, Historic Tampa, Hurricane Preparedness, Moving to Tampa, Real Estate News, Tampa Real Estate, Tampa Real Estate Agent, Tampa Real Estate Market

The Latest News on Moving to Tampa, Living in Tampa, or Buying Real Estate anywhere in the World…every day on The Real Estate Sizzle…

We are in Hurricane Season in Florida. Though Tampa has not been hit by a MAJOR storm in many years, we still need to prepare when a storm heads into the Gulf of Mexico.

One of the first questions every Homebuyer asks me, when they are moving to Tampa, is Do I Need Flood Insurance? The answer: YES. While a mortgage company may Bayshore_floodonly REQUIRE a homeowner to carry flood insurance in certain flood zones, , here are some facts every homeowner should know. Just a glimpse of flooded Bayshore Boulevard, where my office is located, tells the story

1.One in Four flood claims, are in a low -moderate risk zone! Chances are good that nearly 25% of those homeowners did not have flood insurance because it was not REQUIRED by their lenders.

2. A car can be swept away by just 2 feet of water!

3. Flash floods occur in all 50 states! Look at the tragedy of the flooding in Iowa and other midwestern states recently. Many of them had no insurance because the risk of flooding was very low.

4. Homeowners Insurance generally will not cover rising water . That coverage requires a separate flood insurance policy.

5. You must add contents coverage to a flood insurance policy, if you want your belongings to be covered.

6. Premiums in low-risk areas are very reasonable, but damage from a flood is costlydo you want to take that chance?

7. It takes 30 days for insurance to take effect, so do not wait until a storm is coming to call your insurance agent.

For more infomation on Flood Insurance, visit FloodSmart.gov.

If you enjoyed this article, you may want to read my series on Hurricane Preparedness:

Part 1

Part 2

Part 3

If you are buying a condominium, most of your insurance on the building is generally covered under your Monthly Maintenance Fees.

For information on the Tampa Real Estate Market, or any neighborhood in Tampa, please call me at 813.629.5757 or send me an email!

Posted by Jackie Colson-Miller   |   1 Comment »   |   06.30.2008

What Is THE Most Important Thing To Have During Hurricane Season? Tampa Real Estate Market News

Filed under: Buying a House in Tampa, Clearwater Beach Real Estate, Davis Islands Real Estate, Flood Insurance, Flood Zones in Tampa, Florida Real Estate, Hurricane Preparedness, Tampa MLS Listings, Tampa Neighborhoods, Tampa Real Estate, Tampa Real Estate Agent, Waterfront Homes in Tampa

Hurricane Season opens this week and Tampa homeowners will begin the annual purchase of flashlights, batteries, canned goods, duct tape and bottled water. Hopefully, we wont need to use ANY of them and we will escape another Hurricane Season unscathed! So, you have your hurricane box stashed in the garage and you THINK you are ready??

Think againthe single, most important thing, that every homeowner should have is a Home Inventoryan itemized list of everything (and its value) in your home!

You can read my thoughts on Hurricane Readiness in some of my earlier articles:

Why You Need a Home Inventory

What is Storm Surge and How Will it Affect My Home in Tampa?

Do I Need Flood Insurance?

Moving to Tampa? Do you have questions about Storms, or Insurance? What neighborhoods are safest in a storm? Where are the best School Districts? Send me an email!

Posted by Jackie Colson-Miller   |   1 Comment »   |   06.01.2008

What is Storm Surge and How Will It Affect My Home in Tampa?

Filed under: Flood Insurance, Flood Zones in Tampa, Insurance, Luxury Homes in Tampa, MLS Listings in Tampa, MacDill AFB, South Tampa, Tampa, Tampa Neighborhoods, Tampa Real Estate, Tampa Real Estate Agent, Tampa Real Estate Market, Waterfront Homes in Tampa

The Latest News on the Tampa Real Estate Market and Everything About Buying a Home in Tampa, or Living in Tampa…. Tampa is a fabulous city to live in! It IS surrounded by water, so as we head into the summer months, we are just a few weeks away from the beginning of “hurricane season”. It’s hard to believe it, since we haven’t had any rain in Tampa for WEEKS, but it is time to start talking about “hurricane preparedness” again. For most of us in the Tampa area, we are used to the yearly purchases of batteries, water, canned goods, etc., to prepare for the possibility of a storm. For homeowners who live close to the bay, the greatest threat from a hurricane in Tampa, is what is know as, “Storm Surge”. Storm surge is a threat to any coastal areas, which are often less than 10 feet above sea level. The surge is water that is pushed ashore by the force of a storm. The combination of a tropical storm, or a hurricane, along with high tides, can bring a wall of water up to 20 feet high. In Tampa, the South Tampa peninsula, surrounded by Hillsborough Bay and Tampa Bay, has flooded in low-lying areas during recent Flooded_homesTropical Storms and Hurricanes. Those areas are in designated flood zones, where lenders require a homeowner to purchase flood insurance. Many neighborhoods in South Tampa are in flood zones, B or C, which are lower risk for flood insurance requirements and many homeowners do not carry flood insurance, and, more importantly, many of them do not evacuate when a storm is brewing in the Gulf. Several years ago, a professor at USF, did a special report for TBO.com about the worst case scenario . Watch the interactive video about a simulated Storm Surge through downtown Tampa. Had Hurricane Charley hit Tampa,as predicted, in 2004, instead of Southeast Florida where it came ashore, the storm surge would have reached the third floor of Tampa General Hospital! Anyone who lived in South Tampa, and did not evacuate, would likely not have survived. Because most homes in Tampa have never been hit by such a storm, many residents feel that it will never happen, but it is far better to be prepared, than to be complacent. The path of a storm can vary by over 100 miles, so when a storm is threatening Florida, everyone needs to have an evacuation plan. Should a 20 foot storm surge come ashore in Tampa, the entire South Tampa area would be under water. Many of those homeowners would not be insured, because flood insurance was not required by a lender, though the cost of the policy would be reasonable, compared to higher-risk areas. Call your insurance agent today and add a Flood Insurance Policy to insure your most precious possessions and always evacuate when a storm is headed your way! Looking for Real Estate in Tampa or information about the Tampa Real Estate market? Moving to Tampa? Are you looking for assistance in choosing the best neighborhood in Tampa for your lifestyle? Need informations about the schools in Tampa? I can help with your move to any Tampa neighborhood, including: South Tampa, Harbour Island, Davis Islands, Beach Park, Sunset Park, Hyde Park, Channelside, Culbreath Isles, Palma Ceia, Westchase, Waterchase, Odessa, Cheval, Avila, Brandon, Riverview, FishHawk, New Tampa, Tampa Palms, Hunters Green, Arbor Greene, Apollo Beach, South Shore, MiraBay, Golf Communities, Waterfront Homes, Luxury Homes in Tampa, Condos in Tampa and International Real Estatecontact me!

 

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Posted by Jackie Colson-Miller   |   1 Comment »   |   05.06.2008

Moving to Tampa? Will You Need Flood Insurance?

Filed under: Flood Insurance, Flood Zones in Tampa, Florida Real Estate, Insurance, Real Estate News, South Tampa

The Latest News on Moving to Tampa, Living in Tampa, or Buying Real Estate anywhere in the World…every day on The Real Estate Sizzle…

One of the first questions every Homebuyer asks me, when they are moving to Tampa, is Do I Need Flood Insurance? The answer: YES. While a mortgage company may Bayshore_floodonly REQUIRE a homeowner to carry flood insurance in certain flood zones, , here are some facts every homeowner should know. Just a glimpse of flooded Bayshore Boulevard tells the story

1.One in Four flood claims, are in a low -moderate risk zone! Chances are good that nearly 25% of those homeowners did not have flood insurance because it was not REQUIRED by their lenders.

2. A car can be swept away by just 2 feet of water!

3. Flash floods occur in all 50 states! I am sure you recall the flash floods that have occurred in the U.K. and various parts of the U.S…areas that are NOT flood zones.

4. Homeowners Insurance generally will not cover rising water . That coverage requires a separate flood insurance policy.

5. You must add contents coverage to a flood insurance policy, if you want your belongings to be covered.

6. Premiums in low-risk areas are very reasonable, but damage from a flood is costlydo you want to take that chance?

7. It takes 30 days for insurance to take effect, so do not wait until a storm is coming to call your insurance agent.

For more infomation on Flood Insurance, visit FloodSmart.gov.

If you enjoyed this article, you may want to read my series on Hurricane Preparedness:

Part 1

Part 2

Part 3

If you are buying a condominium, most of your insurance on the building is generally covered under your Monthly Maintenance Fees.


I can help with your move to any Tampa neighborhood, including: South Tampa, Harbour Island, Davis Islands, Beach Park, Sunset Park, Hyde Park, Channelside, Culbreath Isles, Palma Ceia, Westchase, Waterchase, Odessa, Cheval, Avila, Brandon, Riverview, FishHawk, New Tampa, Tampa Palms, Hunters Green, Arbor Greene, Apollo Beach, South Shore, MiraBay, Golf Communities, Waterfront Homes, Luxury Homes in Tampa, Condos in Tampa and International Real Estatecontact me!

Posted by Jackie Colson-Miller   |   1 Comment »   |   02.20.2008

Homeowner’s Insurance in Tampa…Are Your Rates Going Up…or Down?

Filed under: Flood Insurance, Flood Zones in Tampa, Florida Real Estate, Hurricane Preparedness, Insurance, Real Estate News, Tampa Real Estate, Tampa Real Estate Market

THE LATEST NEWS ON TAMPA REAL ESTATE, AND REAL ESTATE AROUND THE WORLD, EVERY DAY, ON THE REAL ESTATE SIZZLE…

If you are buying a home in Tampa, you will need to inquire about Homeowner’s Insurance Rates, and, possibly, flood insurance. An article in today’s Tampa Tribune details how homeowner’s may be affected with the ever-changing insurance rates.

So far this year, Florida has not experienced a tropical storm, or hurricane…very good news. Let’s see how that news may affect insurance in the State of Florida.

Here are some of my earlier articles on Storms and Insurance.

Do I Need Flood Insurance?

What is Storm Surge and How Will it Affect My Home in Tampa?

If you are buying a home in Tampa, or anywhere in the World, I can help. Contact me!

Tampa Neighborhoods including, South Tampa, Davis Islands, Beach Park, Sunset Park, Hyde Park, Palma Ceia, Westchase, Waterchase, Odessa, Cheval, Avila, Brandon, Riverview, FishHawk, New Tampa, Tampa Palms, Arbor Greene, Hunter’s Green, Waterfront Homes in Tampa, Luxury Home Specialist, International Real Estate Specialist.

Posted by Jackie Colson-Miller   |   Click Here To Comment »   |   10.03.2007