Experts say that the El Niño weather pattern this spring will have unpredicted affects that could last through 2016. At its strongest, this El Niño could become one of the top four weather events since 1950, contributing to intense west coast storms and heavier than normal rainfall.
Here is a recent local headline;
“RAIN SWOLLEN CREEKS CAUSE ROADS, VINEYARDS TO FLOOD IN NORTH BAY”
What should the North Bay Expect?
Although the early part of the spring season will feature above-normal rainfall, the drought will continue as rainy periods will diminish in the seasons second half and precipitation will be below normal for the winter season as a whole, with below-normal mountain snows not helping to ease the drought.
Wildfires And Homeowner’s Insurance
Unlike earthquakes and floods, wildfire damage should not require a completely separate policy, and probably does not even require a high risk policy. It is a good idea, however, to know what your homeowner’s policy does cover. In many cases wildfires are covered, but it is always good to call your agent for a homeowner’s insurance review.
Become familiar with your community’s disaster preparedness plans and create a plan for your family. Identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated.
Flood Insurance and Your Homeowner’s Insurance
All homeowner’s policies exclude flood. You need a separate policy to cover a flood loss. If you live on a hill you are still exposed to a possible flood loss from water run off above your property. We recommend that homeowners, even those who do not live in designated flood plains, need to weigh the dangers and consider buying flood insurance.
At North Bay Insurance Brokers, Inc., we combine premium personal insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your protected at all costs.