By criminal defense attorney Charles E. Boyk, who is barred and practices in the state of Ohio, with Charles E. Boyk Law Offices, LLC.
The National Flood Insurance Program (NFIP) is the federal program that insures home and property owners who live in certain flood-prone areas. A federal program was necessary because private insurers were unwilling to insure the flood-prone areas for affordable premiums.
Unfortunately, the NFIP expired in 2017, and although the US House has passed legislation that would modernize the program, the Senate has not taken up the legislation, resulting in the passage of stop-gap continuation bills instead of a full-scale reassessment of the program.
“The NFIP’s coverage mandate is to provide insurance coverage to businesses and homeowners that live in a community that participates in the NFIP,” said Charles E. Boyk, an Ohio Insurance Attorney with Charles E. Boyk Law Offices, LLC. “The purpose in requiring communities to participate is to ensure that those communities are properly analyzing floodplains and taking the steps necessary to reduce exposure of homes and businesses to flooding.”
Flood insurance through NFIP is not available unless a community participates. Homeowners may or may not know that most standard home insurance policies do not cover flooding.
The Federal Emergency Management Agency (FEMA) administers the NFIP. Flood insurance purchased through this program provides coverage and payment regardless of whether there is a Presidential declaration of emergency.
“This is important,” said Boyk, “because there are thousands of individuals affected by flooding each year that never get national news coverage, let alone rise to the level of needing a disaster declaration.”
If your homeowner’s insurance claims to cover flooding, read the policy carefully and consult with your insurance agent. There may be limitations or requirements on or for payment of claims.
Additionally, flood insurance – even if purchased though the NFIP – will only cover the structure and land. The contents of your home need to be covered by a separate policy. Also, make note of your deductible and how much it is.
Other things to know:
- Flood insurance through NFIP pays only to the policy limit. Many home insurance policies are “guaranteed replacement cost” policies, meaning they will pay more than the policy limit if it costs more than that to rebuild the home. Flood insurance does not have that option.
- Flood insurance through NFIP is only available through an insurance agent.
If you are trying to file a claim on a policy, the insurance company may try to avoid paying the full amounts of coverage. Having competent legal representation can help smooth out the process, or at the very least provide a buffer between you and the insurance company.
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Synetic Theater Camps are a wildly fun, highly accessible choice for young people who love moving, playing games, and making memories. Registration is open now for Summer Camps (sessions June 20-August 25) and there are even a few spots left for Spring Break camp, April 3-7.
Located in National Landing, these performance-based camps are designed for students of all ages – no theater or performance experience required.
Led by professional teaching artists, campers learn acting, movement, and technical theater skills through the lens of Physical Theater. Physical Theater incorporates acting, movement, dance, mime, and acrobatics. If you’ve seen a Cirque du Soleil performance, you’ll find many similarities.
Most first-time campers are new to the performing arts, and teaching artists are well-versed in engaging students at all levels. Parents and campers report that one of the best parts of Synetic is the community, with many families returning year after year because they feel a strong sense of belonging.
EDBS Dental Billing Solutions is pleased to announce that it has achieved compliance with the federally mandated standards of the Health Insurance Portability and Accountability Act (HIPAA) through the use of Compliancy Group’s proprietary HIPAA methodology, The Guard® compliance tracking software, and HIPAA Seal of Compliance®.
The HIPAA Seal of Compliance is issued to organizations that have implemented an effective HIPAA compliance program through the use of The Guard, Compliancy Group’s proprietary compliance tracking solution.
Clients and patients are becoming more aware of the requirements of HIPAA compliance and how the regulation protects their personal information. Forward-thinking providers like EDBS Dental Billing Solutions choose the HIPAA Seal of Compliance to differentiate their services.
“Since the nature of our business being exclusively remote, we take HIPAA compliance very seriously. With the help of Compliancy Group, we are able to take steps to fortify our systems to protect PHI information and familiarize each employee about HIPAA and how we can further safeguard PHI data.” said EDBS Dental Billing Solutions founder Goldie De Leon.
WHS Spring Festival
Join us at the WHS Spring Festival on April 22, 2023, from 10am- 3pm at Wakefield High School(main parking lot). Come out to shop, play, and eat!
Shop local vendors, arts & crafts, new and used items, food vendors/trucks, and
District 27 Toastmasters 2023 Virtual Conference
District 27 Toastmasters invites you to its annual conference where you can hear phenomenal speakers, attend professional development and personal growth seminars about leadership, negotiation, communication, teamwork, and mentorship. Learn how to develop your personal story and how to improve