Resources for info on changes in flood hazard mapping

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Lately, our office has been swamped with calls related to the recent changes in flood hazard mapping in Yakima County, no doubt in response to receiving a Letter of Map Changes (LOMCs) from FEMA (Federal Emergency Management Agency, a service of the US Department of Homeland Security). An LOMC is a letter that represents an official revision or amendment to an effective Flood Insurance Rate Map (FIRM).

If you have received one of these letters informing you that your property is now considered to be in a flood hazard zone and there is an outstanding mortgage on your property, your lender most likely will require you to obtain flood insurance if you don’t already have it. (Flood coverage is typically not included on a standard homeowners policy.) Even if this is not the case, chances are you have lots of questions.

If you’re the type who likes to do your own research, here’s a list of helpful links to get you started.

Yakima County, Washington State, and federal flood hazard-related resources

If you find yourself still in a quandary, please call (509) 575-0300 or stop by our office at 3 N 7th Ave, Yakima, WA 98902.

How flood insurance works

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Did you know that flood damage typically isn’t covered on a homeowners or renters basic policy? Did you also know that flood coverage is available to homeowners, renters, and business owners only if their community participates in the NFIP through the National Flood Insurance Program?

If you’re thinking of adding a flood policy to your basic coverage, don’t expect immediate gratification. The first step is to obtain an elevation certificate; these must be completed by a land surveyor, engineer, or architect who is authorized by law to certify elevation information. If your property is in Yakima County, you can find elevation certificate requirements at the County Assessor’s website; visit http://www.yakimacounty.us/documentcenter/view/5942

Flood insurance premiums are calculated based on a number of factors. Your agent will ask you the year of construction, the number of floors, and other pertinent questions. After a policy is bound, there is a 30-day waiting period before coverage kicks in.

For more information, call or come in and talk to one of our agents. You can also learn more at FloodSmart.gov

https://www.floodsmart.gov/floodsmart/pages/residential_coverage/homeowner.jsp

Summertime recipes

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Ahh, summer…the perfect time for relaxing with family and friends. If your plans include a picnic, potluck, or other get-together involving food, we’ve got just the thing for you–the 2016 GKP Summer Recipe Booklet. It’s filled with a variety of recipes collected from employees of Gress Kinney Parrish Insurance Center, Inc. and their families.

What are your favorite recipes?

GKP Summer 2016 Recipe Booklet