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Know Flood News- 2018 Quarter 4
15 October 2018
Massachusetts Coastal Coalition 2018 Quarter 4, Edition 1 About Us The mission of the MCC is to educate, advocate, and inform professionals and stakeholders regionally and nationally, on flood hazards. MCC Board of Directors Chair, Joe Rossi, Vice Chair, Tim Williams, Treasurer Steve Amico, Clerk Doris Crary,Director Tim Carty, Director Sue Sullivan, Director Nate Dill, Director Gail Kubik Contact Us info@knowflood.orgwww.knowflood.org MCC Adds Two New Faces To The Board Of Directors The MCC is proud to announce the addition of two new members to our board of directors, Gail Kubik and Nathan Dill. Gail KubikGail takes the initiative to innovate and advocate for communities to build urban resilience programs and establish emergency disaster response systems. As an Architectural professional, a public speaker and a resilience consultant, she is recognized as a thought leader in climate adaptation and improving the ‘resilience of place’ through public interest design. Nathan DillNate is a coastal engineer with expertise in coastal processes and flood hazard analyses. He has performed numerical modeling, and data collection and analyses of coastal processes to support environmental impact studies, hydraulic and hydrologic analyses, coastal flooding analyses, effluent discharge and mixing zone studies, sediment transport analyses, […]
Sue’s Success Stories- 2018 Q4 Newsletter
8 October 2018
My clients are buying an ocean front second home in Marshfield. The owner paid her mortgage off 7 years ago and canceled her FEMA policy. The property is currently in a VE zone. However, when the policy was canceled, all grandfathering was lost. When the buyers went to purchase flood insurance they were quoted $4,200 – $4,500 cost with a $10,000 deductible. If the bank won’t allow the higher deductible the policy would be even more expensive. If the seller had kept just a small FEMA policy, the buyers flood insurance would have been approximately $1,500 annually. I referred the buyer to the flood insurance experts, Murphy Carty Insurance. They were able to find a private insurer willing to cover the property. The annual policy will be $1,600. **Please note: Private insurers will not provide coverage to all properties You may not be thinking about selling your home now, but please keep in mind your property is much less attractive with an enormous flood insurance policy. The value of your property is negatively affected. Keep a small FEMA policy to protect your investment for yourself and your heirs.
Get Your Opinion Heard
2 October 2018
Call For Opinion Columns The MCC will be issuing our first quarterly newsletter on October 15th! If you are getting this email, you will receive our newsletter. As we prepare for the release of our newsletter, we are asking for YOUR participation. Every newsletter will feature an opinion column written by one of our members (meaning you!). We have some guidelines for submissions: 400 to 500 words Opinions must NOT target an individual, agency, community or group Opinions must be written respectfully and have context to a coastal or flood related issue While we expect to have several opinion submissions, we will only be running one per newsletter. We look forward to your input! EMAIL YOUR OPINION SUBMISSION BY OCTOBER 12th TO INFO@KNOWFLOOD.ORG Why the Anti-Concurrent Causation Clause matters to you After Hurricane Florence, the Anti-Concurrent Causation Clause was discussed in depth as it was put to use by insurance companies. What is this clause? According to the clause, if two events — like wind and water damage — occur close together but only one of them is covered, the insurer doesn’t have to pay for either one. Many coastal insurance carriers have a requirement that if your home is in the Special […]
Mandatory Purchase: Bigger Than The Banks
21 September 2018
Written By: Joe Rossi, ANFI, CFM Flood Specialist, Rogers and Gray Insurance Chair and Executive Director, Massachusetts Coastal Coalition Tim Carty Owner, Murphy Carty Insurance Director, Massachusetts Coastal Coalition Congress enacted the National Flood Insurance Program (NFIP) in 1968, intending to provide flood coverage because private insurance no longer offered it. By 1973, only 95,000 flood insurance policies were sold nationwide. To increase the program’s acceptance, Congress enacted the Flood Disaster Protection Act (FDPA) in 1974, establishing the “Mandatory Purchase” requirement. It obliged Federally Regulated lending institutions to issue loans in high-risk flood zones only when flood insurance is simultaneously written. The law mandated that if flood insurance is not purchased, the lender must force place coverage on the borrower. This protected the loan from default from flooding and provided high-risk flood coverage. It seems that every flood event brings the NFIP, and its critics, to the forefront of media attention. With each event, such as Hurricane Harvey in 2017, come headlines telling a similar story: mandatory purchase requirement has failed. However, we fail to separate those required to have flood insurance from those who choose not to have coverage. Nearly 85% of Hurricane Harvey’s victims did not […]
ABA Summer Newsletter: National Flood Insurance Program Reauthorization and Reform
15 September 2018
By: Joe Rossi, Flood Specialist at Rogers and Gray Insurance and Chair of the Massachusetts Coastal Coalition Ed Thomas, Attorney, floodplain manager and disaster and recovery specialist The ABA in 2017 passed a Resolution on Resilience and Disaster Risk Reduction in 2017. Recent flood disasters nationally have attracted more attention to proposals in the current Congress to reauthorize the National Flood Insurance Program (NFIP) consider policy changes and deal with the program’s accumulated debt. There has been growing interest in the idea of “resilience”, in the misery and mounting economic and environmental cost following hurricane and other flood disasters, in wildfires in the United States and worldwide, in water quality issues and the huge numbers of tornadoes in the past few years. The American Bar Association passed a Resolution concerning Resilience in the context of Disaster Risk Reduction in 2017. This article is an effort to inform attorneys practicing state and local government law of issues concerning the NFIP and to raise awareness of the concept of resilience, avoiding or reducing the risks of flooding disasters through climate adaptation and hazard mitigation Noted demographer Dr. Arthur C. (Chris) Nelson has demonstrated that fully one half of the square […]
Hurricane Florence Threatens East Coast
10 September 2018
Hurricane Florence is expected to become a major hurricane by mid week, and threaten ALL of the east coast. While a direct impact is expected around the North Carolina coast, areas up to New England can expect drenching rain and some wind. We all need to pay attention to this storm. In preparation, the MCC wants to remind you of a few very important things: The MCC has a hurricane and preparedness section of its website. Just click the link to our downloads page and click the hurricane tab. https://knowflood.org/downloads If you don’t have a flood insurance policy, there is a 30 day wait for a policy to be effective. It is too late to purchase coverage for this event. Refer to the website https://cera.coastalrisk.live/ for the latest hurricane information. If you do have a flood insurance policy, remember that an NFIP flood policy will cover some costs to prepare for a flood and to move property to a safe location. According to the NFIP Flood Manual (Flood Insurance Manual, Policy Section, Page 9-10), “[The NFIP] will pay up to $1,000 for costs you incur to protect the insured building from a flood or imminent danger of flood, for […]
The Dangers of Localized Flooding
24 August 2018
The Dangers of Localized Flooding In our recent summer months, the state of Massachusetts and all of New England has been hit with severe downpours causing localized flooding. And while some may say that flooding cant happen to them, what we see is “Where it rains, it can flood”. While some of our communities recover, there has been some misinformation about flood insurance, coverages and the resources to be able to recover. The MCC has created a resource to help you understand localized flooding and correct information about flood insurance and recovery. Download it here! CBRA Zones Disappearing? FEMA is proposing that, in November, Coastal Barrier Resource Area (CBRA) information will be removed from FEMA flood maps. This could cause confusion when trying to understand the risk of your property. We have uploaded guidance from FEMA about these changes and where to find the CBRA information. Download the guidance HERE! FEMA Announces Opening of Grants FEMA has announced the opening of the Federal Mitigation Assistance (FMA) and Pre Disaster Mitigation (PDM) grants. Because the March 2-4 storm was declared a Presidential Disaster for public assistance, we also have the availability of Hazard Mitigation Grant Program (HMGP) funds. We have uploaded guidance, but […]
MCC Update: NFIP Extended
3 August 2018
NFIP Extended Yesterday, the Senate passed S.1182, the “National Flood Insurance Program Extension Act of 2018,” by a vote of 86-13. The President then signed it into law, extending the NFIP to November 30th with NO reforms. The MCC will be working in the coming months to advocate for comprehensive reform, however due to the political climate, we do not expect meaningful reforms until early 2019. See the article in todays Patriot Ledger talking about the extension, and the reforms we are pushing for. Click HERE for the Ledger Article The Coastal Coalition Featured in Publications The Massachusetts Coastal Coalition has been featured in several publications! In each publication, we talk about the need for NFIP reforms and what we would like to see in the eventual reform of the NFIP. Read them now on our website! CLICK HERE: The American Bar Association quarterly newsletter: NFIP Reforms CLICK HERE: Forbes Online: Congress Extends NFIP Four Months, Calls For Reform NFIP Turns 50! On August 1st, 1968 the National Flood Insurance Act was signed into law. On this 50th anniversary, discover how the program came to be. Click below to like our Facebook page and watch some shared video from FEMA on the […]
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