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Now is the Time! RIEMA Urges Rhode Islanders to Buy Flood Insurance

Foster Survey Company
Foster Survey Company

Here’s an timely press release from the RI Emergency Management Agency about the importance of flood insurance:

In 2010, it was historic floods. In 2011, it was Tropical Storm Irene. In 2012, it was Hurricane Sandy. Rhode Island has experienced several significant flooding events in the past three years. Is your home or business financially protected from flood damages?

This week (March 18-22) is National Flood Awareness Week. The Rhode Island Emergency Management Agency (RIEMA) urges anyone who owns or rents property near a body of water to purchase flood insurance. Standard home, renters’ and business-owners’ insurance policies do not cover flood-related damages. A separate flood insurance policy can be purchased through your local insurance agent.

“Flooding has impacted this State in each of the past three years,” said RIEMA’s Floodplain Coordinator Michelle Burnett. “With climate changes, increases in precipitation, and greater frequency of storms, we expect this trend to continue.”

Flooded Homes
Flooded Homes

Purchasing a flood insurance policy for your home or business is the only way to financially protect your property. There is a 30-day waiting period before any new policy goes into effect, so purchasing a policy when a disaster is already predicted to hit the State will not provide any coverage. Rhode Islanders should have flood coverage when they need it most.

There are nearly 500,000 homes and businesses in Rhode Island, and less than 4% have flood insurance. There are two types of flood insurance coverage: one for the structure itself, and another for the contents of your home or business.

March and April are historically when flooding occurs in Rhode Island, but heavy rains can cause flooding any time of the year. The average annual premium in Rhode Island for property in a flood zone is $1,200, and the average cost of a policy for property in a low-risk area is only $125. All communities in the State participate in the National Flood Insurance Program (NFIP) which means all Rhode Islanders are eligible to purchase a flood insurance policy.

For additional assistance, contact RIEMA’s Floodplain Management Program at 462-7048.

Rhode Island Emergency Management Agency

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If you have any questions about or need a FEMA Elevation Certificate, please give me a call at 401-647-9240 extension 11, Ask the Pro or use our contact us form.

About Foster Survey Company

Foster Survey Company

Foster Survey Company is a Rhode Island Professional Land Surveying Company established in March of 1993We are Registered Licensed RI Professional Land Surveyors serving all Rhode IslandBecause Trust and Experience Matter, our core beliefs are to give superior professional land surveying services that will benefit you with: Value, Experience, and Quality!

By Eric Colburn

Eric Colburn is a registered licensed Rhode Island Professional Land Surveyor (RI No. 1920) with 40 years of experience in land surveying and land development industries, and president of Foster Survey Company. He is an expert experienced in all aspects of boundary surveying and surveying technologies such as robotic surveying systems, Global Positioning Systems (GPS), AutoCAD Civil 3D, drone surveying, and remote sensing surveys.

Eric has obtained the following professional licenses and certifications:
• Licensed Professional Land Surveyor (RI No. 1920)
• Licensed Class II Septic System OWTS Designer (RI No. 2052)
• Certified Bottomless Sand Filter Designer
• OSHA 10-Hour Construction Safety & Health Certified.

He currently serves on the Board of Directors for the Rhode Island Society of Professional Land Surveyors (RISPLS) and has been active in many professional land surveying organizations, including ACSM-NES, American Congress on Surveying & Mapping (ACSM), and the National Society of Professional Surveyors (NSPS). Eric served on the Board of Directors and was past President of the New England Section of the American Congress on Surveying & Mapping (ACSM-NES), which became the Geomatics Society of New England.

Professional Associations:
• Rhode Island Society of Professional Land Surveyors (Board Member)
• National Society of Professional Surveyors