Wednesday, December 14, 2016

Identifying Flood Zones in Manalapan

By Moshe Farache

The Federal Emergency Management Agency (“FEMA”) has the responsibility to identify flood zones in every state in the United States. Every community is entitled to participate in the agency's National Flood Insurance Program with premium rates determined by the risks of area flooding. FEMA has identified each zone location with an alphabet designation.

Homes and businesses in Manalapan can determine their flood and water damage risk in a couple of ways. You can go to or You can also go to your city or town hall, or if you are buying a home, your realtor or insurance agent can help. EXPRESS EMERGENCY SERVICES has provided information on what to do when a flood is imminent, how to protect yourself during a flood and what to do after a flood.

FEMA states that we all live in a flood zone. It is just a question of where – low, moderate, or high risk. High-risk areas are denoted with the letters “A” or “V.” There is a 1 in 4 chance of flooding during a 30-year mortgage. All homes and businesses in these zones are required to buy flood insurance.

Moderate to low-risk areas are identified with the letters “B,” “C,” or “X.” There is a low risk of flooding in these areas. Flood insurance is not necessarily required in moderate to low-risk area, but there is a But! Families and businesses in these zones are responsible for submitting around 20% of flood insurance claims, and they receive 1/3 of Federal disaster assistance for flooding.

An undetermined flood zone area is noted with the letter “D.” This means that they possibly could be affected by heavy flooding. Rain filled areas in these zones are an uncertainty for insurance rates. Weather patterns are changing and only time will provide more information.

EXPRESS EMERGENCY SERVICES is another professional source for helping you to determine if you live in a flood zone area. Depending on the type of flood zone your property is located in, it will have serious effects on the cost of property ownership, yes, even if it does not flood. This is why your must perform research before you buy property.

Being a property owner is onerous and joyous, but it is important to verify which flood zone area your property lies in. Before water damage wrecks your home life or your business, take a few minutes to be fully informed about your flood zone status.

EXPRESS EMERGENCY SERVICES is available 24 hours a day, 7 days a week when water disasters happen. Handling flood damage is our cornerstone.

We are proud to be a part of this community. Contact us when a water emergency occurs and let us help you get back to normal. Call us at 888-334-5994.

Wednesday, March 16, 2016

Remodeling After Water Damage

By Moshe Farache

It is true that flooding can occur due to the overflowing of rivers, surges of storms, an overabundance of rain, a dam that has ruptured, melting ice or even a pipe that has burst. Whatever the source of the cause, there is excessive damage and the fact is that there need to be some repairs and remodeling done to your home to restore it back to its safe and normal condition for you and your family to be able to enjoy, live in and use once again. 

The fact must be accepted that it does take time to restore a home and that it does cost quite a bit of money. But it is necessary and worth it. When a layer of a roof during a storm is lifted off, a temporary repair to a roof is not the answer. A roof must be repaired correctly as water can come in and damage your property even more. 

When water comes into your home, the carpets may be destroyed, along with the drywall peeling and leaking. The construction site is a reality. Needless to say, rebuilding your home after a flood does take time and requires your patience. 

The restoration company is doing its best to get things done for you, but sometimes there can be hold ups when insurance companies are slow to disburse funds that are needed for various elements of the project. But be persistent with the insurance company as much as you can to keep things moving along well. 

Things will be taken down to the bare bones. Drywall will be removed if there is mold. Wooden studs will be cleaned with bleach. There may only be concrete or subflooring visible for a while until the place is completely dried out by the professionals, which is necessary when carpets are too damaged to leave down. But in time, the repairs and remodeling will be done, the home will be dry, the mold and odor will be gone. You will be happy in your home once again.