The NFIP Has Expired
Countdown to the NFIP Expiration
Major Flood Updates: Changes, Increases and More
Major Flood Updates In the next 2 weeks, there are several major updates in regards to the National Flood Insurance Program: Program Expiration on March 23rd The NFIP, once again, is set to expire at midnight on Friday, March 23rd. The NFIP continues to be tied to the Congressional Budget. If there is a government shutdown, the NFIP also shuts down. This will continue to be an issue as Congress intends to only pass short term extensions for the foreseeable future. Unlike past extensions, this will be our ONLY update until March 23rd. So please be vigilant. FEMA has issued guidance for insurance companies on how to handle writing new flood policies, policy renewals, and claims during a flood program expiration. The MCC has created consumer guidance for you as an insured to know what to do before, during and after a flood program expiration. Overall, our guidance outlines that: -If you have a flood policy renewing after March 23rd, and within the next few weeks, PAY IT NOW -If you are planning to close on a home after March 23rd, PAY FOR THE POLICY NOW. If paid before the program expires, the policy […]
Recovering From March Nor’easter
NEXT STEP: RECOVERY As predicted, the March 2018 Nor’easter has caused extensive damage to many of our communities. From undermined homes, damaged seawalls, and flooded neighborhoods, our coastal areas have suffered damage unseen in many years. The most important step is a strong recovery. The MCC has some recommendations for you to recover. Read this BEFORE you start cleanup: –Take photos of what was lost BEFORE you clean up. -Contact your insurance agent right away- You have 60 days to file your proof of loss -If your building is substantially damaged, contact your community for assistance. -Decks are not covered under a flood policy. -If you have a home that was flooded, secure it! More storms are coming, and some items may be excluded if you allow water to continue to damage the building. -Disaster assistance is only available if we get a Presidential disaster declaration. -Remember: A loss within 10 days of each other are considered the same loss. The MCC has developed two great tools for you: -Our post disaster resource guide: CLICK HERE -Our ins and outs to filing a flood insurance claim: CLICK HERE -There is a suspension of some requirements for cleanup under […]
Truly Severe Storm is Anticipated
The MCC cannot emphasize enough the severity of the impending storm. According to the National Weather Service: -This will be a top storm of all time -This storm does have the capability to destroy coastal property -The tide in this storm, between Friday at 11:20am and Friday at 11:49pm, is not expected to go out. A surge of up to 5 feet will keep the tide high even during low tide. -Swells of between 25’ and 35’ are expected -Wind gusts of up to 70mph are expected -Surge of at least 3-4ft in most areas TAKE ACTION NOW. In addition to protecting property, if you feel inclined to evacuate, do not wait for the tides to begin to roll in. PLEASE FOLLOW THE ADVICE OF LOCAL EMERGENCY OFFICIALS RESOURCES: The MCC has several resources available for actions after a storm: -Our guide to filing a flood insurance claim: CLICK HERE -Our public resources guide for financial assistance: CLICK HERE Images of the storm can be reported to Coastal Zone Management through their reporting site: https://mycoast.org/ma We will be posting videos of the storm on our website, so please stay tuned.
Major Storm This Week
Be Prepared for upcoming Nor’ Easter/Coastal Flooding The flooding of early January made us very aware that history can still be made by large flooding events. We also were made aware that a fast or slow moving storm can change the severity of an event. PLEASE BE AWARE: There is a nor’easter that will significantly impact our area for MULTIPLE tide cycles. The January storm was a one tide storm. The predicted storm for this weekend could be a 4 TIDE storm. Be prepared for: Significant coastal flooding (A base tide of over 11 feet with surge above that); Winds of potentially over 60mph; Start time is Thursday evening; Problem tides: Thursday, March 1st at 11:01pm; Friday March 2nd at 11:20am; Friday March 2nd at 11:49pm; Saturday, March 3rd at 12:09pm. BE PREPARED: There are things you can do now to prepare for this storm: Elevate contents out of basements (basements have limited coverage through the NFIP); Remove and or secure items from yards/landscape area to reduce damage and debris. Secure shutters or board up windows for those who experience wave action. Remove autos from flood prone areas Do not drive through flooded streets and stay away from known flooded […]
NFIP Communities Need Certainty
If there is one thing that 2017 has taught us, it’s that uncertainty is certain. From international dealings to domestic policy, no time has been as uncertain as now. There’s no exception when talking about the National Flood Insurance Program (NFIP). Uncertainty with the NFIP is not a foreign, far off issue. It’s a real, at home issue that strikes our communities and affects our nation’s housing market every day. Our communities deserve certainty that the National Flood Insurance Program will be there for them to close on loans, pay claims, and protect the over one trillion dollars of value the National Flood Insurance Program insures. Already in 2017, the National Flood Insurance Program has seen two short term extensions. With the NFIP expiration set for September 30th, Congress pushed the NFIP expiration to December 8th tying it to the Federal budget continuing resolution. Only one day before the December 8th deadline, Congress extended the NFIP for only two weeks to December 22nd, again tying the program to a continuing resolution. To those that say Congress will never let the flood program laps, we only have to look back to 2008-2011 when the program lapsed several times. What happens […]
Update: Flood Program Extended
THE NFIP HAS BEEN EXTENDED After a six-hour government shut-down, this past Friday Congress came to an agreement and funded the Federal Government. The short-term extension will fund the government through March 23rd. This includes the extension of the NFIP. However, as we have mentioned in past updates, this will once again be short term and will require our vigilance for the next six weeks. There is hope that in this time, legislators may try to work on some form of longer term NFIP extension that may or may not include reforms. We will continue to monitor the situation. Please email us for more detailed questions.
Again: Flood Program Expires Thursday
NFIP SET TO EXPIRE FRIDAY FEBRUARY 8th As of the writing of this message, Congress has not yet extended the National Flood Insurance Program, which expires at midnight on Thursday, February 8th. The NFIP continues to be tied to the Congressional Budget. If there is a government shutdown, the NFIP also shuts down. This will continue to be an issue as Congress intends to only pass short term extensions for the foreseeable future. The proposed legislation would extend government spending to March 23rd. FEMA has issued guidance for insurance companies on how to handle writing new flood policies, policy renewals, and claims during a flood program expiration. The MCCC has created consumer guidance for you as an insured to know what to do before, during and after a flood program expiration. Overall, our guidance outlines that: -If you have a flood policy renewing after February 8th, and within the next few weeks, PAY IT NOW -If you are planning to close on a home after February 8th, PAY FOR THE POLICY NOW. If paid before the program expires, the policy will still go effective on the closing during a program expiration. -If your policy is in force before the program expires, and […]
Marshfield Coastal Coalition Rebrands
PRESS RELEASE For Immediate Release Marshfield Citizens Coastal Coalition Rebrands to go National Marshfield and Massachusetts Coastal Coalitions combine and rebrand as the MCC After 6 years of amazing success, The Marshfield and Massachusetts Coastal Coalitions have combined and rebranded as the MCC. This acronym based name will broaden the Coalition to focus both locally and nationally. The change to MCC, which means both Marshfield and Massachusetts, will include the following changes: A new mission statement The mission of the MCC is to educate, advocate, and inform professionals and stakeholders regionally and nationally, on flood hazards. This will also include new goals, coming soon. A new website The new website, www.knowflood.org, will be live in the second quarter of 2018. This new website will be substantially different, and will now offer tools for our constituents to use. Our current web address will forward to the new site when it goes live. A new structure The new MCC bylaws help structure and broaden the Board of Directors and our mission. We are now looking to bring on talented volunteers to serve in 3 newly created Board seats. Our Chair, Joe Rossi, will now also serve as Executive Director. […]
In this video, Joe Rossi explains the truth to the NFIP.
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