El Nino is here! Are you ready?

​​El Nino!  These two words have struck fear into many a homeowner!  El Nino, (more formally called the El Nino Southern Oscillation) is a weather pattern that has impact all over the world, but most dramatically in California and the West Coast.  Large amounts of rain and snow in the Western regions often wreak havoc on roads, homes, hillsides, and farms.

​Historically, the El Nino phenomenon has been noted over the last three centuries.  South American sailors noticed a change in currents, and the local residents noticed changes in fish schooling patterns.  We understand better today that El Nino is caused by an increase in the temperature in the Pacific Ocean near the Equator.

What that means for homeowners and renters is an increased level of rain, and possibly snow: both of which are hard on homes!  For homeowners, Flood Insurance (underwritten by the National Flood Insurance Program, and available through local agents) may be an attractive option to give peace of mind in the event of major flooding.  It is important to remember that HOMEOWNER’S POLICIES DO NOT COVER FLOOD DAMAGE! It may also be a good idea to store some sandbags and have a source of dirt.  Sandbags are very effective in blocking and channeling moving water.  Check with your local Fire Department to see if they offer free sandbags and sand.

Strangely enough, you may find yourself in a position in which your vehicle is covered for flood damage, but your home is not!  Almost all insurance policies that carry comprehensive coverage will cover flood damage.  This coverage was dramatically illustrated in a recent mudslide.  Portions of Highway 58 were covered up to five to six feet in mud, stranding numerous motorists and locking their vehicles in the grip of a sea of dirt and debris.  If their auto insurance policy had comprehensive coverage as part of their program, chances are, they were able to make a successful claim with their insurance company.

The question remains, what should I do to protect myself from El Nino?  First of all, get a good, sturdy umbrella!  It looks like we’re in for quite a bit of precipitation!  Secondly, call your local insurance agent to see what you need to adjust in your insurance program to adequately cover yourself against El Nino.  It is important to assess your level of risk in the upcoming weather event. 

If you have questions and need immediate answers, or if you are unable to contact your insurance agent, please feel free to email me at dave@thedaveowens.com or give our office a call at (661) 946-4224.  I, or my licensed staff will be happy to review your program.

Stay dry!!

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