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StatePoint Media - Many people look forward to spring when the weather warms up and flowers start to bloom, but it also marks the start of the peak time of year for flash flooding in the United States. According to NOAA, 75% of flash floods happen between late April and mid-September. With two major storms passing through East Central Illinois in the last week, you should remember when water backs up and overflows, it generally goes where it doesn’t belong and can cause serious damage to your home.
Unfortunately, many homeowners have misconceptions about floods, leaving them unprepared. Here are four of the biggest myths:
1. Homeowners insurance policies cover flood damage. A typical homeowners policy covers water damage from a sink or bathtub overflowing but won’t help with flood damage caused by storms – something many homeowners only discover after it’s too late. However, some insurance companies offer coverage to help fill the gaps so you don’t have to pay out of pocket for repairs and replacements. For example, Erie Insurance now offers Extended Water coverage, which covers damage caused not only by natural disasters, but also by sewer and drain backups.
2. Only people who live in flood plains need flood insurance. A national survey commissioned by Erie Insurance found that 53% of homeowners think only people who live in high-risk flood zones should buy flood insurance. However, 25% of flood claims are filed by people who live outside those areas. Additionally, FEMA says floodwater only needs to get a mere 3 inches high to make it likely that you’d need to replace drywall and baseboards.
3. There’s nothing you can do to prevent flood damage. Nothing is foolproof, but there are ways to protect your home from water damage. Install a sump pump along with a battery backup and regularly test it. Improve drainage around your home by clearing leaves and debris from gutters, storm drains and downspouts. You can also install water sensors to alert you of water or leaks within your home. If a storm is on the way, plan ahead by placing valuables and sentimental items into plastic storage bins, moving items off the floor (especially if they are stored in basements and lower levels of a home) and by making a home inventory. A list of all your personal possessions, along with their estimated values, will help if you need to file an insurance claim.
4. Insurance can only help you after an incident. Many homeowners don’t realize they may be able to get reimbursed for taking steps to protect their homes when flooding is imminent. As one example, under certain circumstances Erie Insurance will reimburse homeowners up to $10,000 for materials such as sandbags and the sand to fill them, fill for temporary levees, pumps or plastic sheeting and lumber used with these items, as well as labor.
“We encourage homeowners to not underestimate the risk of flooding, and to be aware of the significant amount of damage that even a small amount of water can cause,” said Michelle Tennant, vice president of product management, Erie Insurance. “Talk to your independent insurance agent about your home and your neighborhood to make sure you have the coverage that’s right for you.”
To learn more about protecting your home from floods, visit erieinsurance.com/extended-water.
Life is unpredictable. So is weather. But one thing is certain: if it can rain (or snow), it can flood. Make sure you’re protected with the right type of insurance.
An ongoing saga continues to surround Former President Donald Trump and porn star Stormy Daniels. Will it never end? Trump may or may not be indicted by the time you read this but who knows? Who isn’t tired of hearing about an alleged sexual encounter between these two.
Former President Trump has denied the encounter ever occurred but Daniels has said it did occur. Who is telling the truth? Who should we believe? Is there proof of this alleged “affair” or sexual encounter?
Does anyone have a video of the Trump and Daniels encounter? Apparently, Daniels is big on videos for money participating in encounters that most of us really do not want to see. I’m sure some people do since pornography an international addictive problem that destroys more lives than we will ever know. Even if it existed, we certainly do not want to see any such “encounter” between Daniels and Trump. Even. So, how do you prove such an event took place. We are back again to “he said, she said.”
President Trump has had his feet to the fire because he is alleged to have paid $130,000 to Daniels to keep quiet about the “encounter.” The problem is unclear. Is he alleged to have paid the money out of campaign funds raised for his Presidential bid in 2016? Or, is this about being an amount of money beyond the legal campaign donation cap and how could it ever be considered a campaign donation? Does any of it make sense? As much money as Trump has, would he not have just paid her out of his petty cash fund? If Daniels and Trump had a dispute then how is it illegal to have settled a dispute? People do it every day.
Trump made millions just from his reality television show The Apprentice on NBC. I always figured this is one reason NBC hates Trump so much. He made them a lot of money and the show was still making major money when he quit to run for President. Money and greed color everything.
Why don’t they just produce the check written to Daniels? Michael Cohen, Trump’s former attorney who served time in prison, allegedly gave the money to Daniels and was reimbursed by Trump. Did he write a check from his personal account? How did Trump reimburse Cohen? Did he go to the bank and get a cashier’s check? Just go back and do an audit. How credible is Cohen? Does Cohen know for sure which account the money came from?
Back in 1974 Jerry Springer, (Yes, the TV reality show star) resigned from the Cincinnati City council because he had written two checks to two different prostitutes in Northern, Kentucky. The controversy took over his life but he was later reelected to the city council and even later served as mayor. In one of his commercials, that I remember seeing, he said, “I made a mistake. I paid a prostitute with a check.” He actually wrote two checks. One was for $50 and the other was for $25. He would go on to serve as Cincinnati’s mayor from 1977-1978. But wait, he admitted to it and he didn’t pay it from campaign or government funds.
Looks like if Trump could get in trouble for paying for an “encounter,” then Daniels would be in trouble for prostitution. But wait, she didn’t collect money for an alleged encounter with Trump, but she got money to be quiet about the encounter with Trump. Is this not blackmail? Are there not any consequences for blackmail? Apparently, there is more money to be made from being quiet about “encounters” than actually selling oneself for an “encounter”. She did reportedly receive a handsome book royalty check to talk about her life that attorney Michael Avenatti stole. He is now serving time in prison for defrauding clients and tax evasion.
There is probably more that will be said about this alleged “encounter”. This proves it doesn’t work to pay porn stars hush money, because, they take the money and still tell everybody.
