►
From YouTube: Flood Resilient Arlington Workshop
Description
The Flood Resilient Arlington Workshop was sponsored by Arlington County Environmental Services and held on October 24, 2019 at the Arlington Public Library. Guest speakers included John Squerciati of Dewberry, Tyler Ardron, Risk Reduction Group, and Kenya Zambrano Knight of State Farm Insurance. The moderator was Aileen Winquist, Arlington County Watershed Outreach Program Manager.
A
B
Right,
everyone
I
think
we'll
go
ahead
and
get
started.
Thank
you
thanks
very
much
for
joining
us
tonight.
We
may
have
some
additional
folks
coming
in,
but
we
want
to
get
started
and
we
have
a
lot
to
cover
a
lot
of
great
experts
here
and
resources
and
we
wanted
to
kind
of
dive
in.
We
will
also
have
a
lot
of
time.
B
At
the
end,
we've
tried
to
plan
a
good
amount
of
time
for
questions,
so
you
know
keep
that
in
mind,
so
my
name
is
Eileen
Wynn
Quist
I'm,
with
Environmental
Services
office
of
sustainability
and
environmental
management,
and
we
wanted
to
welcome
you
here
for
the
flood
resilient
Arlington
workshop.
We
have
a
number
of
excellent
speakers
here
tonight,
provide
you
with
information
on
flood
proof,
design,
mitigation
and
flood
insurance,
because
we
know
there
were
a
lot
of
questions
following
some
of
the
recent
storm
events.
B
As
we
all
know,
we've
experienced
a
lot
more
volatility
and
some
intense
storms
over
the
past
two
years
and
I
just
wanted
to
point
out
kind
of
as
a
key
starting
point.
As
this
workshop
is
one
element
of
a
broader
strategy
to
begin
to
shift.
Arlington
to
a
more
flood
resilient
community,
so
this
is
definitely
not
the
only
thing
that
we're
gonna
be
doing.
B
I
know
there
was
you
know
there
have
been
questions
about
that,
so
these
that
workshop
tonight
is
intended
to
provide
resources
for
property
owners
and
business
owners
to
think
about
things
that
they
can
do
on
their
property.
But
the
county
is
also
working
on
several
fronts:
to
reduce
the
risk
of
flooding
as
well.
B
So
our
speakers
have
some
short
presentations
that
they're
gonna
go
through
on
the
topic
of
flood
proofing
and
some
of
the
some
background
information
on
types
of
flooding
and
some
of
the
challenges,
and
we
we
would
ideally
like
everyone
to
try
to
hold
their
questions.
So
we
can
kind
of
go
through
the
presentations
and
provide
you
with
that
information.
And
then
we
have
a
lot
of
time
at
the
end
that
we've
kind
of
set
aside
for
questions,
and
we
have
the
microphone
there.
B
So
we
can,
you
know
just
definitely
have
folks
come
up
and
and
ask
whatever
questions
come
to
mind
and
then
just
to
give
us
a
little
information
on
our
speakers,
starting
at
the
far
end.
We
have
mr.
John's
course:
IATI
who's,
a
flood
mitigation
design,
specialists
with
Dewberry
and
he's
a
licensed
professional
engineer
in
the
Commonwealth
of
Virginia,
and
also
a
certified
floodplain
manager.
He's
got
more
than
26
years
of
Hazard
Mitigation
design
experience
so
he'll
be
talking
about
some
of
the
flood
vulnerabilities
in
residential
structures.
So
next
to
John
we
have
mr.
B
We
also
have
Miss
Kenya,
Knight
and
she's
a
State
Farm
agent
with
over
20
years
of
experience.
She
started
her
first
agency
in
North
Arlington
in
2007,
and
then
she's
opened
a
second
office
in
Merrifield
this
year,
she's
very
involved
in
the
community
and
enjoys
giving
back
as
much
as
possible.
She
also
as
a
certified
child
seat
technician
and
hosts
an
annual
car
seat
check
in
her
office
as
well.
So
you
may
have.
B
Michael
Smith
and
he's
got
35
years
of
experience
and
the
insurance
industry,
the
last
three
with
the
State
Corporation
Commission
Bureau
of
insurance,
and
he
manages
the
rules,
rates
and
form
of
the
commercial
multi-line
section
for
compliance
with
the
Code
of
Virginia
and
he's
held
a
lot
of
different
positions,
leadership,
positions
and
strategic
planning
underwriting
and
marketing
with
Kemper
Insurance,
March,
CA
and
Berkeley
mid-atlantic
he's
got
the
CPC
ua
re
and
AIEE
Insurance
designations.
So
again
we
have
a
lot
of
good
expertise
up
here
for
everyone
to
hopefully
take
advantage
of.
B
We
also
I
did
want
to
point
out
that
on
the
back
of
your
agenda,
we
do
have
a
comment
form.
So
if
you
want
to
jot
down
questions
as
you're,
you
know
listening
to
the
presentations
or
comments
for
us.
You
know
we
will
take
these
back
at
the
end
of
the
workshop
and
we'll
be
compiling
a
lot
of
that
information.
So
please
take
advantage
there,
so
so
without
further
adieu.
Adieu.
I'll
turn
it
over
to
mr.
score
siani
and
then
we'll
we'll
go
through
the
presentations.
B
A
Go
not
go
Nats
there
you
go
alright,
my
wife
actually
works
for
the
Nats,
so
I
get
to
be
here
tonight
and
then
I
get
to
take
care
of
the
kids
in
the
next
three
nights.
Hopefully
the
just
the
next
two
anyway,
we'll
see
all
right.
So
we're
gonna
talk
a
little
bit
about
my
presentation
is
gonna,
be
a
little
bit
more
about
just
kind
of
overall
the
structure
of
the
floodplain
I'm,
probably
gonna,
be
a
little
bit
more
on
the
caution
side,
because
my
work
typically
deals
with
the
the
FEMA
flood
plains.
A
I
know
that
probably
a
vast
minority
of
you
are
in
the
FEMA
flood
plain,
but
I
will
talk
about
things
outside
the
flood
point.
Okay,
so
I'll
talk
a
little
bit
about
some
acronyms.
Some
key
characteristics
of
flooding,
I'm
gonna,
make
a
very
important
distinction
tonight
between
riverine
and
localized
flooding,
I'm
thinking.
Most
of
you
fall
into
that
latter
category.
A
We're
also
going
to
talk
about
some
basic
principles
of
flood
design.
We'll
talk
about
some
kind
of
the
I
kind
of
call
them
my
top
5
vulnerabilities,
most
from
the
pictures
we
saw
in
in
July
and
August
and
then
a
little
bit
more
about
retrofitting
a
little
bit
about
post
flood
cleanup
and
then
some
resources
and
we'll
do
the
Q&A
at
the
at
the
end,
I
believe
alright.
So
quick,
what
would
Federal
Work
we
be
without
an
acronym,
so
the
B
Fe
is
the
base
flood
elevation,
everybody
familiar
with
that.
A
That's
the
hundred
year
flood
elevation
or
we
call
it
the
one
percent
annual
chance
flood
elevation,
we'll
revisit
that
lovely
topic.
In
a
moment,
FEMA
is
Federal
Emergency,
Management,
Agency
they're,
one
of
my
main
clients,
everybody's
favorite
agency.
You
don't
have
to
applaud
all
right,
then
we've
got
the
firm,
which
is
the
Flood
Insurance
map,
the
flood
insurance
study.
That's
the
study.
That's
used
to
build
your
Maps
HVAC
map
service
center.
That's
the
website
where
you
can
actually
find
where
you
are
in
the
floodplain.
A
You
can
type
in
your
address
and
it'll
get
you
there
or
hopefully
not
there,
the
NFIP
the
flood
insurance
program,
and
then
this
idea
of
substantial
damage.
It's
substantial
improvement.
Okay!
This
is
just
a
few
quick
acronyms
I,
try
to
define
acronyms
up
front,
but
sometimes
I
miss
all
right.
There
are
various
sources
of
flooding.
A
Here's
my
global
definition
of
flooding
and
keep
in
mind
for
the
insurance
folks
everybody's
got
a
definition
of
flooding.
Here's
my
general
definition
of
flooding
flooding
is
a
natural
process
that
becomes
a
problem
when
we
get
in
the
way
real,
simple,
okay,
you
know,
I
I
will
tell
you
my
background
is
I'm
a
structural
engineer.
I
started
in
this
business
about
20
plus
years
ago.
I
firmly
believe
that
most
flooding
problems
could
be
solved
with
more
concrete.
Okay
build
another
wall,
build
something
else
quickly
have
realized
over
the
last
20
years.
A
That
there's
a
lot
of
things.
We
need
to
do
other
than
just
build
structures.
We
need
to
step
back
from
the
floodplain.
We
need
to
deal
with
future
conditions
hydrology,
which
is
the
that's
government,
speak
for
global
warming
and
climate
change
and
impacts
like
that.
That
would
be
a
lovely
discussion
over
an
adult
beverage
later,
but
we're
not.
We
don't
have
time
for
it
tonight.
Okay,
so
basically
the
riverine
floodplain.
This
is
kind
of
our
primary
floodplain.
A
When
we're
dealing
with
our
own
County
occurs
in
the
rivers
and
streams
it
can
be
caused
by
rainfall
can
be
caused
by
runoff.
Your
basic
map
of
a
flood
plain
on
on
your
firm
is
you're.
Gonna
have
that
stream
channel
you're
gonna
have
the
floodway
that's
where
the
highest
velocity
flood
waters
are.
If
you
are
familiar
with
a
flood
map,
it's
kind
of
that
crosshatch
Center
area,
it's
the
place.
You
don't
want
to
build,
it's
the
place
where
we
put
manufactured
housing
almost
invariably,
but
you
know
that's
the
spot
and
then
outside.
A
That
is
the
floodway
fringe
which
carries
the
rest
of
the
hundred
year
flood
and
then
beyond
that
you
have
what
you
would
call
the
the
the
lower
to
moderate
risk
area.
Maybe
the
500
year
flood
plain,
but
that's
and
that
top
imagery
is
from
the
Midwest
flood
mats.
You
think
you've
got
problems,
that's
that's
the
Cedar
River
in
Cedar,
Rapids,
Iowa,
I,
don't
know!
If
you
can
see
this
have
a
laser
pointer
well,.
A
I'm
sure
it
seemed
like
a
good
idea
at
the
time.
All
right,
we'll
pick
on
everybody
tonight,
okay
and
then
your
primary
characteristics
of
flooding
that
you're
focused
on
really
is
is
depth.
That's
your
most
important
thing:
it's
going
to
be
a
function
of
your
type
of
watershed,
you're
in
what
house,
the
valley
shape.
What's
the
topography
light,
what's
your
development
density,
but
this
is
kind
of
the
key
and
I'm
gonna
get
right.
Development
density
and
then
frequency
I
want
to
get
this
point
across
for
frequency.
It's
all
based
on
probability,
okay,
100-year
flood!
A
Everybody
knows
100-year
flood
is
not
the
flood
that
occurs
every
hundred
years
right
if
it
were.
If
well,
it's
not
it's
a
1%
annual
chance,
that's
what
it's
based
on.
So
the
idea
is.
Could
you
have
four
hundred
year
floods
in
the
next
four
years?
Yes,
you
could,
does
it
usually
remit
something's
wrong
with
the
maps?
Yes,
so
it's
a
one
percent
annual
chance
event:
okay,
one
percent
chance
of
being
equal
and
seeded
in
any
given
year,
but
everybody
thinks
it's
the
flood
it
occurs
over
hundred
years.
A
If
it
were,
my
job
would
be
so
much
easier.
You
know,
after
the
flooding
in
Alexandria,
I
could
take
a
vacation
for
the
next
99
years,
but
it
doesn't
work
that
way.
So
when
we're
dealing
with
the
floodplain
and
hazard,
remember
it's
a
1%
chance
which
doesn't
sound
too
bad,
but
remember
that's
cumulative
over
time.
A
That
brings
it
home
a
little
more
frightening,
but
this
is
kind
of
the
the
main
event
in
terms
of
riverine
versus
localized.
Okay,
good
night,
my
little
icons
didn't
move.
The
little
triangle
is
where
we
are
tonight.
This
is
Arlington
County,
and
this
is
kind
of
the
overall.
This
is
from
the
Virginia
flood
risk
information
system,
GIS
layer,
but
it
lays
out
the
flood
zones.
Okay,
so
the
riverine
flood
zones
are
these
areas
that
are
in
in
purple
in
aqua,
okay
orange.
A
You
ask
ask
anybody
that
does
this
the
number
one
determinant
of
your
flood
risk
is
your
street
name.
Okay,
I'm
grew
up
on
Long
Island
and
there's
a
town
in
Lindenhurst,
and
my
sisters
like
I,
want
to
buy
a
property
on
Beach
Drive
and
like
it's
in
the
flood
plain
just
like
how
do
you
know
I'm
like
it
trust
me?
So
it's
a
lot
to
do
with
that.
So
it's
gonna
be.
If
you're
on
a
street
or
a
street
name
you're
gonna
be
in
that
floodplain.
Then
you've
got
these
two
small
areas.
A
A
It
is
actually
yeah.
It's
the
Foreign
Service
Institute.
Does
anybody
live
there?
Okay,
okay,
see
that's
true
Pentagon's
outside
but
anyway,
so
everything
outside
of
that
is
what
we
called
our
localized
flooding
area
and
we
all
experienced
that
okay,
but
my
focus
again
is
if
you're
in
those
areas
you
want
to
make
sure
on
your
flood
map,
where
you
are
and
understand
kind
of
your
intensity.
A
So
there's
floodway,
there's
that
100-year
floodplain
what
we
would
call
an
azo
and
then
they
gonna
be
kind
of
a
shaded
zone
where
you
would
be
in
kind
of
a
500-year
floodplain,
so
you're
on
the
edge
of
the
floodplain,
which
means
if
they
overestimate
or
make
a
mistake
on
figuring
out
that
flood
elevation,
you're
gonna
flood,
okay
key
characteristics.
So
if
we're
in
a
riverine
floodplain
it's
in
a
map,
floodplain,
that's
on
the
map.
Okay
and
you
go
to
map
service
center
dot.
Fema.Gov,
you
put
your
address
in
and
you
can
find
where
you
are.
A
Okay,
don't
look
up
anything
on
the
FEMA
website
that
has
more
dead
links
than
any
site
I've
ever
seen
in
my
life,
just
google,
it
you'll
find
it
Craster,
okay,
but
flooding
in
a
riverine
floodplain,
as
Karen
de
character
has
been
inundation
throughout
the
floodplain.
Okay,
drainage
and
landscaping.
Measures
probably
aren't
going
to
do
much
for
you
there.
Okay,
the
fact
is,
the
entire
area
is
flooding.
If
you're
trying
to
do
something
called
dry
flood
proofing,
which
I
will
touch
on
momentarily,
not
a
good
idea.
A
Localized
flooding
can
occur
anywhere,
it's
characterized,
but
we
would
call
sheet
or
overland
flow.
The
water
is
kind
of
moving
on
the
surface
of
the
water,
so
it's
kind
of
the
difference
between
your
basement
being
surrounded
by
floodwaters
of
several
feet:
deep
and
inundating
your
basement
and
the
entire
area
versus
water
kind
of
flowing
in
or
seeping
into
your
basement.
Okay,
everybody
kind
of
understand
that
difference.
A
What's
that,
typically,
it's
gonna
be
poor
topography,
bad
drainage,
how
much
what
percent
of
Arlington
was
developed
by
nineteen
sixty
something
like
seventy
percent.
So
a
lot
of
development
already
here
pretty
crowded
to
begin
with
not
a
lot
of
pervious
impervious
spaces.
So
a
lot
of
that
water
is
kind
of
flowing
over
and
then
going
into
wherever
you
are
so
it's
sheet
flow
into
your
structures,
drainage
and
landscaping
can
help
to
an
extent
and
then
just
drive
versus
wet
flood
proofing.
A
Let
me
just
kind
of
explain
that
real
quick,
so
dry,
flood
proofing
is
the
idea
that
you
are
gonna.
Try
to
make
your
structure
watertight
you're,
going
to
try
to
keep
the
water
completely
out
of
it.
Wet
flood
proofing
says
I
can't
avoid
the
water
coming
into
my
building,
but
I'm
going
to
make
it
easier.
I'm
going
to
use
flood
resistant
materials,
I'm
elevate,
my
utilities
and
my
critical
stuff,
so
that
when
the
flood
comes,
the
damage
won't
be
as
bad
I
know.
A
What
we
call
buoyancy
right
and
Archimedes
told
us
that
buoyant
force
is
equal
to
the
weight
of
the
fluid
you're,
trying
to
displace
that's
a
lot
of
water
to
try
to
displace
so
I'm
just
trying
to
make
that
distinction.
As
as
an
engineer
most
of
the
discussions
tonight
will
really
be
focused
more
on
this,
but
if
you're
in
that
floodplain
just
be
aware
of
it
all
right
and
then
finally,
the
most
effective
retrofits
for
river
and
flooding
tend
to
be
the
most
expensive.
A
Again,
we
talked
about
landscaping,
but
then
in
localized
flooding.
There
are
some
options
that
can
be
reasonably
priced
and
effective,
and
it
also
gives
you
more
flexibility
in
what
you
can
choose
all
right.
Let
me
forward
on
all
right,
soldiering
on
last
piece:
substantial
damage
or
improvement.
Okay.
This
is
what
we
call
the
grandfather
clause,
the
NFIP
anybody
have
a
house,
that's
called
as
known
as
pre
firm,
so
that
means
you're
in
the
floodplain
and
your
house
was
built
before
1982
anybody
all
right.
A
So
you
want
it
could
be
one
of
the
lucky
winners
of
what's
called
a
substantial
damage
stamp
substantial
improvement
letter.
So
here's
the
real
here's,
the
NFIP
grandfather
clause
they
put
the
maps
together
in
1968,
okay,
that's
when
I
was
born.
51
I've
saved
you,
the
math,
so
NFIP
came
out
fifty-one
years
ago.
First
maps
came
out
in
the
80s,
for
here
took
a
while
to
get
the
maps
together,
but
the
idea
was
everything
built
before
then
was
already
potentially
in
the
floodplain.
How
would
you
know
not
to
build
there
right?
A
A
So
if
you
hit
a
substantial
damage
or
improvement
in
your
structure,
which
is
50%
of
the
pre-event
market
value,
then
you
are
forced
to
be
brought
into
full
compliance,
and
if
you
are
residential,
there's
only
two
options:
you
elevate
or
you
get
out
of
the
floodplain.
It's
not
a
popular
decision
to
make
okay,
but
again,
if
you're,
not
in
the
defined
floodplain.
This
is
not
gonna,
be
your
issue.
Okay,
basic
flood
design
principles.
This
is
a
highly
detailed
analysis
that
I
did.
A
Okay,
I
pulled
this
from
my
daughter's
career
day,
okay
anyway,
but
he's
these
are
the
basic
principles.
If
you're,
if
you're
dealing
with
that
riverine
inundation
flood,
these
are
the
basic
principles,
so
the
little
green
patch
is
leave
best.
Most
effective
flood
mitigation
is
to
leave
no
one.
Anyone
gonna
leave-
probably
not
you
wouldn't
be
here
right.
Okay,
but
acquisition
what
we
called
you
know:
relocation,
those
are
the
absolute
most
effective,
obviously
also
the
most
expensive,
because
you
have
to
have
spare
real
estate
outside
the
floodplain
available.
The
next
best
option
is
elevate
out.
A
A
little
white
house
bring
it
up
above
the
flood.
Let
the
water
go
in
that
you
know.
Space
underneath
and
flow
back
out
life
is
good.
Then
we
can
try
to
shield
ourselves.
Okay,
we
can
put
a
wall
around
it.
We
can
drive
flood
proof,
the
structure
itself
keep
the
water
away
and
then,
finally,
you
have
partial
protection,
which
would
be
that
little
blue
house.
She
let
some
of
the
water
in
but
the
damages
in
his
bed.
Those
are
the
basic
concepts
when
you're
dealing
with
flooding.
None
of
this
is
super
sophisticated.
A
All
this
to
say,
the
two
best
options
are
pretty
much
off
the
table
for
99
percent
of
you
I,
don't
think
any
of
you
are
planning
elevate
or
relocate
your
house,
so
you're,
really
looking
at
the
the
next
best
things
which
are
going
to
be
things
like
shielding
or
trying
to
give
partial
protection
when
you're
dealing
with
localized
flooding,
all
those
options
work
plus,
you
can
add
in
your
landscaping
and
and
drainage
improvements,
vegetation
management,
positive
drainage,
increasing
your
runoff,
reducing
the
impervious
surfaces
on
your
property.
All
those
things
can
help.
Okay,
any
questions.
A
How
far
behind?
Am
I
all
right
here?
We
go
I'm
going
to
speed
it
up
now
these
are
kind
of
the
top
five
vulnerabilities
I
was
trying
to
look
at
I.
Think
your
who
has
one
or
more
of
these
on
their
property
who
has
pretty
much.
This
is
their
property.
Okay.
They
go
so
I'm,
expecting
boos
and
hisses
at
some
point
in
this
presentation,
but
they're
probably
coming
right
about
now
all
right,
basements.
A
Basements
flood
I
have
two
degrees
to
prove
it:
okay,
basements
flood.
We
did
a
tensive
study
of
hospitals
in
New,
York
and
New
Jersey
after
Hurricane
sandy.
You
know
we
concluded
hospitals
with
with
that.
Had
a
lot
of
stuff
below
grade
tended
to
floor
more
than
stuff
that
would
add
or
above
grade,
we'd
refer
to
ourselves
as
highly
paid
idiots
for
making
recommendations
like
that,
but
essentially
that's
what
you're
dealing
with
you're
dealing
with
a
sub
grade
location
where
water
wants
to
come
in
and
so
it's
difficult.
A
There
are
two
main
types
of
basins
and
if
I,
he
would
define
a
basement
as
something
with
subgrade
on
all
four
sides,
we're
probably
more
familiar
with
the
idea
of
a
walkout
basement.
You
know,
maybe
it's
a
patio
walkout
or
it's
a
stairway.
Walkout
principles
are
the
same,
so
that
bottom
picture
is
kind
of
a
a
walkout
basement.
This
is
a
basement
in
the
Midwest
that
got
surrounded
by
floodwaters,
didn't
have
venting
in
the
right
place
and
the
walls
collapsed.
A
Okay,
a
similar
thing
can
happen
in
the
Midwest
if
you're,
by
the
way,
here's
a
tip
if
your
house
is
surrounded
by
floodwaters,
don't
pump
your
basement
out.
Okay,
because
eventually
the
wall
water
will
just
come
back
in,
because
your
walls
will
have
collapsed
from
the
pressure
all
right.
So
what
can
we
do?
We
can
fill
in
the
basement.
Yeah
I
know
not
really
I'm
from
Fairfax
County
I
understand
how
the
property
tax
bills
work
so
I
understand.
That's
not
your
big
option
wet
flood
proofing.
A
You
can
use
flood
resistant
materials,
try
to
elevate
or
protect
your
basement
utilities.
That's
probably
one
of
your
better
bets.
Yeah
I
mean
if
you
can
ideally
move
stuff
to
an
addition
over
there,
fantastic
but
trying
to
protect
what
you
can
critically
trying
to
move
your
critical
contents
upstairs.
If
it's
irreplaceable,
your
insurance
company
will
feel
the
same
way
and
probably
won't
give
you
much
for
it.
Okay,
you
want
to
make
sure
those
basement
drains
are
clear.
A
A
So
cleaning
those
drains
covering
those
those
areas
and
then
also
making
sure
you've
got
any
kind
of
perimeter
drains
in
a
in
a
localized
flood
area.
Okay,
that's
the
basics.
I
keep
trying
to
point
move
at
the
laser
pointer,
some
great
driveways
so
often
connected
to
the
garages.
If
you
move
to
Staten
Island,
this
is
like
a
very
popular
residential
style
there
too,
by
the
way-
and
they
did
not
do
well
in
Sandy,
but
essentially
you've
got
subgrade
driveways.
Some
will
have
a
retaining
wall.
Some
will
not.
A
Obviously,
if
you
want
to
make
sure
if
your
plan
is
to
evacuate
or
drive
away,
you
want
to
make
sure
maybe
your
car
isn't
parked
at
the
bottom
of
that
driveway.
Okay,
anybody
know
the
number
one
cause
of
death
in
a
flood
free
trivia
for
you.
Where
do
most
people
died
in
the
floods
nationally
in
their
cars
that
turn
around?
Don't
drown
thing.
It's
a
real
thing:
Oh
show
of
hands
who's
driven
through
a
flooded
road.
Anyway,
yeah
it's
almost
disproportionately
male,
but
yeah.
A
We'll
talk
a
little
bit
about
that
and
then,
if
you're,
dealing
with
a
localized
flooding
may
be
adding
drains
at
the
at
the
street
level
and
at
the
bottom
level,
maybe
with
a
pump
option
to
pull
some
of
that
out.
That
can
help
adding
an
additional
drain
at
the
stop
or
increase
in
the
curb
eye.
Those
things
can
help
okay
subgrade
window
openings.
These
are
typical
in
basement
windows
they're,
either
framed
with
timber
cribbing
or
with
a
little
almost
those
little
metal,
arches
common
point
of
floodwaters
coming
in
particularly
on
those
localized
flood
events.
A
Flood
people
like
to
seal
things
up
fire
departments
like
to
keep
things
open
so
so
that
option
to
break
things
up.
You
got
to
check
with
your
fire
department.
They
may
not
want
you
to
close
off
every
opening
to
your
basement.
Okay,
other
ideas
for
localized
flooding
would
maybe
be
a
creative
cover
to
kind
of
divert
the
water
off
okay.
A
None
of
these
are
super
high-tech
and
then
for
exterior
HVAC
equipment
at
or
below
grade
stuff
located
in
basements.
This
is
typically
what
we
see
this
one
actually
probably
has
on
those
little
snow
footers,
but
it
is
surrounded
by
mulch.
Maybe
that's
not
such
a
bad
thing.
That's
probably
the
Midwest.
You
need
to
make
sure
if
you're
trying
to
move
more
than
just
the
mission,
the
unit
itself,
that
you
want
to
check
with
the
utility
company.
Anyone
ever
try
to
move
a
utility
meter.
A
Don't
don't
do
that
without
talking
to
the
utility
company
they're
really
frown
on
it
all
right,
relocating
your
utilities
to
a
higher
floor,
trying
to
elevate
some
of
that
exterior
equipment
like
an
HVAC,
you
don't
know,
pedestal
can
help
smaller
scale
solutions
if
you've
got
a
localized
flood
issue,
maybe
the
waters
just
coming
a
little
bit
in
your
basement.
You
could
look
it's
a
small
enclosure.
Maybe
you
could
even
put
a
small
door
with
a
latch
doggone
that
sewer
sanitary
sewer
backflow
device,
so
a
backflow
preventer
on
your
piping.
That
would
be
a
good
thing.
A
Anybody
had
a
sewage
backflow
flood
in
your
house.
It's
not
a
pleasant
experience
right,
all
right,
landscaping
and
drainage.
We
all
know
negative
drainage
is
bad.
You
want
to
move
the
water
away
from
the
house,
not
toward
it
like
in
that
top
picture,
any
obstructions
to
flow
fences
blocking
drains
caused.
You
problems
having
an
excess
of
impervious
surfaces.
You
know
so
like
that
massive
concrete
that
was
probably
Puerto.
Rico,
though
dense
vegetation
too
to
the
house,
my
personal
favorite,
gutters
and
downspouts.
Anybody
have
a
gutter
that
acted
as
a
planter.
A
A
Adding
those
downspout
extensions
can
help
pull
some
of
that
water
away,
removing
those
obstructions
to
flow
unblocking
drains
checking
if
you've
got
kind
of
a
storm
line
easement
on
your
property,
making
sure
you
keeping
that
clear
trimming
vegetation
away
from
your
house
using
more
absorptive
versions
of
plants,
more
succulent
type
plants,
also
good
for
fire
and
then
permeable
payments
again.
If
you've
got
a
permeable
pavement
and
grass
is
growing
between
every
little
nook
and
cranny
of
it,
probably
not
so
permeable
any
more
and
then
cleaning
and
maintaining
your
gutters
and
maybe
adding
some
additional
drains.
A
Removing
the
gutter
guards.
I
know
that's
a
point
of
contention
for
some
people,
some
people
are
love
their
gutter
guards.
Some
people
want
to
get
rid
of
them.
Upsizing
the
gutters.
All
those
things
can
help
shutters
storm
doors,
those
little
sealants
you
put
and
all
those
things
all
wonderful,
but
are
all
active
mitigation
and
require
human
intervention
to
work.
A
Anyone
ever
lock
their
keys
in
their
car
with
their
engine
running
okay,
it's
okay,
don't
be
shy.
Yeah!
We
do
silly
things,
particularly
when
we're
stressed
and
that's
what
makes
me
nervous
about
active
mitigation.
Here's
something
to
keep
in
mind
of
the
certified
dry
flood
proofed,
which
means
they
relied
on
active
mitigation
in
some
form.
Another.
The
certified
dry
flood
proofed
home
buildings
in
New,
York,
New
Jersey,
do
the
commercial
buildings.
These
are
professionals
who
should
know
better
what
percentage
of
them
do?
You
think
failed
in
Sandy.
A
Anybody
want
to
take
a
guess
over
95
percent
failed,
and
that
was
not
primarily
because
they
were
over
topped.
It
was
mainly
because
of
things
failure
to
maintain
the
doors
and
the
gaskets
in
the
doors,
failure
to
maintain
their
pumping
equipment,
failure
to
maintain
something
else.
Somebody
was
on
vacation
that
day
some
he
forgot
where
the
door,
where
the
door
with
the
locker,
where
they
locked
the
shields,
were
in
place.
A
These
things
all
happen,
so
I'm
very
big
on
passive,
not
active
to
the
extent
possible
okay
and
then
purchasing
insurance,
adding
that
sewer,
backup,
Rider,
there's
gonna,
be
a
lot
more
discussion
about
insurance
and
I'm
gonna.
Leave
it
at
that
trying
to
relocate
anything
really
valuable
above
the
flood
elevation.
Okay,
elevating
utilities,
wherever
you
can
avoiding
dry
flood
proofing
and
don't
do
it
in
a
basement
if
you're
in
the
floodplain,
it's
just
not
going
to
end
well
for
you
and
then,
if
it's
the
house
is
a
substantial
damage
or
improvement
situation.
A
Again,
it's
pretty
rare
case.
Then
you
really
have
to
look
at
your
options
and
you'll
be
pretty
limited
and
then
localized
flooding
a
lot
of
the
same
things
focus
on
passive
mitigation,
not
active,
purchase
that
insurance
it's
gonna,
be
a
little
cheaper
because
you're
in
the
preferred
risk
zone,
who
has
flood
insurance
just
curious,
who
is
in
the
ex
zone
and
still
has
flood
insurance.
A
X
zone
means
you're
completely
outside
of
the
floodplain,
which
means
I'm
completely
paranoid
or
what
I
call
a
heightened
sense
of
awareness
right,
but
paranoid
about
flooding
consider
drive
flood
proofing
but
proceed
with
caution
elevate.
Your
utilities
remember:
flood
insurance
coverage
tends
to
be
minimal.
Although
I'm
hearing
more
about
that
so
I'm
gonna,
maybe
let
you
feel
that
it
went
a
little
bit
more
and
then
landscaping
and
drainage
can
help
and
then
one
last
piece.
This
is
kind
of
advice
on
post
flood
cleanup
anybody
experiencing
that
right.
A
Now,
okay,
so
there's
a
couple
of
documents
that
FEMA
put
out:
we
did
one
after
Hurricane
Katrina.
It
was
a
recovery
advisory
called
initial
restoration
of
flooded
buildings.
So
if
you
look
up
Katrina
FEMA
initial
restoration
of
flooded
buildings
on
Google
you'll
find
this
one
of
the
documents
we
did
another
one.
It
was
a
fact
sheet.
After
sandy
that
dealt
with
cleaning
flooded
buildings,
the
sandy
one
focused
a
lot
more
on
the
fact
that
Sandy
occurred
in
November
in
New
York.
So
it
was
a
lot
colder.
A
So
you
couldn't
rely
on
natural
air
drying
for
things
as
opposed
to
Katrina,
which
was
August
in
Louisiana,
okay,
but
the
basics
for
doing
this.
I
would
remember
what
we
call
the
five
outs.
So
you
air
out
open
the
doors
windows
use
fans
if
you
have
to
move
out.
Take
your
salvageable
stuff
out.
Take
your
contents
that
are
salvageable
out
your
your
saturated,
porous
items,
things
that
are
not
salvageable,
just
get
rid
of
them.
A
Tear
out
remove
the
wet
carpeting,
get
rid
of
the
saturated
drywall,
get
rid
of
the
fibrous
insulation
clean
out
and
that's
clean
out
and
dry
out.
Are
your
most
important
steps
so
clean
out?
Is
your
cleaning
up
the
debris,
cleaning
and
sanitizing
your
surfaces
best
way
to
do
that
is
with
a
pressure
wash
system
kind
of
an
independent
reservoir,
because
if
you
do
a
mop
and
bucket
bucket
you're
gonna
cross
contaminate
okay,
you're
gonna
dip
the
mop
you're
gonna
whoop
it
in
gonna,
bring
it
back
out.
You're
gonna
cross
contaminate
the
surface.
Okay.
A
You've
got
to
have
everything
clean,
almost
like
a
clean
room.
Okay,
I
just
had
my
first
bout
with
my
two-year-old
of
head
lice.
Okay,
you
need
a
clean
space
to
work
from
okay,
then,
finally,
have
that
last
step
which
is
dry
out,
okay,
which
is
kind
of
the
most
important
step
that
we
forget.
We
want
to
get
back
and
moving.
You
need
time
for
that
wood
to
dry.
You
need
time
for
those
timber
framings
to
dry
typically
can
take
up
to
28
days
to
dry
fully.
A
There
are
moisture
meters
you
can
buy
that
little
device
there.
That
is,
you
can
get
that
at
Home,
Depot
or
Lowe's
for
about
30
to
60
bucks.
It's
typically
called
a
pin,
moisture
meter
and
you
can
kind
of
once
that
moisture
gets
to
about
15%
you're
good
to
go
it's
kind
of
pushing
20%.
It
will
vary
by
wood
species
slightly,
but
you
know
it's
not
enough.
A
If
you
heard
about
people
having
mold
come
back
99
times
out
of
100
it's
because
they
didn't
let
that
wood
dry
enough
before
they
put
the
drywall
back
on
okay
and
also,
if
you
have
any
kind
of
illnesses,
stay
away
from
the
floodwater.
Okay,
open
wounds
and
floodwaters.
Do
not
mix,
and
then
just
remember,
the
the
flood
map
service
center
is
available.
These
are
some
documents
that
were
put
together.
I
worked
on
them.
This
is
not
a
gratuitous
plug.
A
I
get
no
kickback
for
you
looking
at
them,
but
homeowners
got
to
retrofitting
kind
of
gives
a
simplified
summary
of
some
of
the
retrofit
techniques
who
talked
about
protecting
building
utilities
from
blood
flood
damage
focuses
specifically
on
residential
and
non
residential
building
utilities
and
ways
to
deal
with
that.
Reducing
flood
losses
through
the
I
codes.
That's
a
little
bit
more
if
you're
a
little
more
Building
Code
geeky
that
can
get
into
the
details
on
how
the
NFIP
and
the
codes
work
together
and
then
there's
a
series
of
technical
bulletins.
A
A
If
you
take
a
regular
piece
of
drywall
and
you
expose
it
to
distilled
water,
it
will
not
mold
up
okay,
but
nobody
floods,
their
house
with
Evian.
That's
not
an
issue,
it's
always
with
flood
water,
and
so
you
need
to
for
the
fact
that
there's
going
to
be
mold
and
contaminants
and
you're
gonna
have
to
cut
that
back
out.
Okay
and
then
finally,
Arlington
County
has
a
lot
of
great
resources.
You
can
get
the
latest
firm
in
the
flood
study
from
them.
They're
the
county
has
their
watershed.
A
Maps
listed
up,
they
have
a
little
home
flood
proofing
checklist
that
little
document.
A
lot
of
my
pictures
were
gratuitously
stolen
from
that
document
and
then
just
some
pre
storm
preparation
and
post
storm
prep
tips.
Some
wonder
what
I
talked
about
and
also
there's
a
little
bit
more
talk
about
kind
of
the
bigger
pictures
of
flood
resilient,
Arlington,
okay,
I
think
questions
are
going
to
be
held
to
the
end.
Thank
you
for
time.
Thanks
for
staying
awake
and
I'm
gonna
keep
going.
C
Awesome:
hey
everyone,
how
you
doing
my
name's
Tyler
our
Geron,
so
unlike
John
I
stayed
in
the
Northeast
in
New
Jersey,
so
I
do
not
say
y'all,
I,
say
yous
and
I
have
a
lot
of
other
stuff.
Probably
that
you'll
pick
up.
My
accent
is
pretty
strong
enough,
actually
from
Philadelphia.
So
but
a
little
bit
about
me
and
my
company
I
run
a
company
called
Risk
Reduction
plus
group
we're
an
insurance
brokerage
that
specializes
just
in
flood
insurance.
C
We
opened
up
in
2014,
but
my
parent
company
is
called
flood
proofing,
calm
that
company's
been
in
business
now,
since
the
late
1990s,
it's
a
flood
mitigation
company
which
has
different
types
of
solutions
to
help
your
home,
whether
it's
through
protection
or
through
flood
insurance
savings.
So
a
lot
of
my
presentation
is
going
to
be
on
people
that
are
in
this
special
flood
hazard
area
and
how
we
can
help
reduce
flood
insurance
calls
while
also
protecting
your
home.
C
But
a
lot
of
the
stuff
that
I
am
going
to
go
over
can
also
pertain
to
people
that
are
just
looking
to
protect
their.
You
know
their
home
or
business
and
I
do
have
a
question.
How
many
commercial
businesses
do
we
have
here
mainly
residential,
ok,
sounds
good,
so,
like
I
said
been
in
business
since
the
late
1990s
community
outreach
is
I,
do
all
across
the
nation
similar
to
this
I
just
did
one
in
New
Jersey.
C
Two
weeks
ago,
I
was
in
Indiana
two
months
ago,
just
promoting
flow
good
floodplain
management,
good
building
practices
and
then,
like
I,
said
flood
insurance
savings.
So,
along
with
myself,
all
of
my
staff
are
license
insurance
brokers
as
well
as
certified
flow
plan
managers.
So
we
studied
on.
You
know
how
to
build
properly
in
flood
zones,
the
building
codes
and
everything
pertaining
to
that.
My
info
is
at
the
bottom
there,
but
if
you
do
want
to
reach
out
to
me
later
on,
I
have
my
business
cards.
C
Just
you
know
feel
free
to
walk
up
the
basic
terms:
I'm
not
really
going
to
go
over.
John
went
over,
you
know
most
of
them,
so
you
know
if
I
do
bring
them
up
later.
The
presentation
I'll
just
kind
of
go
over
what
it
is
real
quick,
but
for
those
of
you
who
do
have
flood
insurance,
how
many
of
you
that
are
paying
flood
insurance
have
seen
your
rates
increase
over
the
years?
C
They
would
just
give
you
a
rate
based
off
the
structure
you
have
because
of
all
the
flooding
recently
and
really
over
the
the
years.
They
learn
that
these
subsidized
rates
aren't
a
true
premium
to
what
the
actual
risk
is.
So,
for
example,
you
have
a
basement
you're
five
feet
below
the
base
flood
elevation
level.
Your
basement
is
before
this
act.
You
would
have
to
subsidize
rate,
maybe
paying
$1,200
the
actual
risk
rate,
though,
when
a
-5
basement
is
6
between
six
to
seven
thousand
dollars
a
year.
C
So
what
they're
doing
is
they're
phasing
in
people's
actual
risk
rates
by
increasing
them
18
to
25
percent
a
year,
depending
on
the
type
of
residency
when
that
cap
stops
is
when
you
hit
your
actual
risk
rate.
So
if
you
do
not
have
an
elevation
certificate,
there's
no
way
to
know
what
that
actual
risk
rate
is
I
talk
to
people
every
day
who
their
subsidized
rates
of
increase,
they're,
paying
three
four
thousand
dollars.
C
They
never
got
an
elevation
certificate
when
they
go
out
and
get
one
showed
that
their
actual
risk
rate
was
actually
less
than
that.
So
that's
something
if
you
do
not
have
an
elevation
certificate
and
you
are
in
a
special
flood
hazard
area.
It
is
important
to
have
along
with
that,
they
added
surcharges.
If
it's
your
primary
residence,
you
have
a
$25
surcharge.
If
it's
your
non
primary
residence,
you
have
a
$250
surcharge.
C
This
is
kind
of
just
this
was
FEMA
section
28,
clear
communications
of
risk
came
out
in
2017.
Basically,
I.
Don't
really
show
this
too
much
now,
but
basically
it's
just
backing
up
what
I
said
about
the
increases
when
I
used
to
do
this
presentation
five
years
ago
and
told
people
about
the
upcoming
changes
about
how
the
premiums
would
increase,
then
it
believed
me
because
they
didn't
see
it
now.
If
you
do
have
a
subsidized
rate,
you
have
seen
these
increases,
so
I
don't
really
have
to
back
it
up
anymore.
C
But
basically
this
is
the
letter
that
subsidized
rates,
people
paying
subsidized
rates,
have
gotten
in
their
renewals
the
past
two
years.
And
basically
it's
saying
you
have
two
options:
option
one
there
it's
in
red
and
on
the
bottom
there,
just
those
dollar
signs
going
up
and
that
option
is
to
do
nothing
and
then
option.
Two
is
the
get
an
elevation
certificate,
because
again,
the
elevation
certificate
is
the
only
way
to
tell
what
your
true
actual
risk
rate
is.
C
So
a
service
that
we
provide
is
called
the
flood
risk
evaluator.
What
I
do
is
I
review,
elevations
certificates
nationwide
and
tell
people
exactly
what
they
need
to
do
to
their
structure
to
lower
the
flood
insurance.
So
in
the
green
there,
that's
where
people
get
the
return
on
investment
in
less
than
two
and
a
half
years,
so
something
that
we
recommend
you'll
get
back
in
two
and
a
half
years
from
flood
insurance
savings.
So
at
the
top
there
we
have
Loma
what
that
is.
It's
called
a
letter
of
map
amendment.
C
And
what
that
does
is
it
reduces
the
hydrostatic
pressure
because
now
you're
letting
the
water
pass
through
and
it's
equalizing
on
both
sides?
A
good
picture
to
John
showed
was
that
foundation
that
collapsed
in
and
that's
because
most
likely
they
did
not
have
proper
openings.
They
tried
to
resist
that
would
or
collapses
the
foundation,
and
we
see
it's
all
a
ton
of
that
with
Sandy
up
in
Jersey
miss
raid.
It
is
one
that
we've
seen
a
little
bit
of.
What
that
is,
is
the
elevation
certificate
may
have
been
done
incorrectly.
C
C
So
most
of
time
it's
after
nineteen,
seventy
seventy
five
depending
on
the
area,
then
you
could
be
eligible
to
be
grandfather.
So
what
that
means
is
that
say
you
were
built
in
nineteen
eighty.
You
were
built
to
the
78
Mac
and
then
the
maps
change
recently
say
five
years
ago
they
changed
the
base.
Flood
elevation
level
goes
up
you
if
you
were
built
to
compliance
at
the
time
back
in
nineteen
eighty,
you
can
get
grandfather
to
that
map
and
keep
that
lower
or
base
flood
elevation
level.
C
And
then
we
have
the
red
cases
which
you're
not
going
to
get
the
return
investment
in
two
years.
It's
a
lot
longer
depending
on
what
it
is,
but
that's
the
elevation
process
elevating
the
first
floor
above
the
base,
flood
elevation
level
using
flood
resistant
materials
under
that
and
then
properly
venting
it
removing
part
of
the
structure
died.
That's
very
rare,
I've
never
seen
someone
do
that
to
be
honest,
but
over
the
past
five
years
this
is
actually
out.
They
eat
it
about
a
year.
C
So
what
we
do
is
we
review
the
elevation
certificate
here.
Look
at
the
insurance
deck
page.
Make
sure
that
the
being
rated
properly
create
a
report
like
this,
where
we're
going
to
give
the
homeowners
information
building
address,
what
their
actual
risk
rate
is
right
there
in
the
current
premium,
what
they
need
to
do
to
lower
their
flood
insurance
exactly
and
then
what
the
premium
will
go
down
to
if
they
do
the
steps
that
we
recommend
it's
a
great
way
to
get
a
true
return
on
investment
to
see.
C
If
you
know
you
actually
do
say,
for
this
example
in
Massachusetts
want
to
add
flood
venting.
In
this
case,
it's
a
no-brainer.
The
person
is
paying
twenty
eight
hundred
dollars.
They
install
flood
openings.
They
go
down
to
three
hundred
forty-one
dollars
a
year
for
their
flood
insurance.
In
that
case,
they
get
the
return
on
investment
the
first
year
and
then
on
the
back
there.
We
just
give
the
exact
details.
C
So
when
I
get
a
case,
what
are
the
options
that
I'm
looking
at
number
one
is
to
mitigate
to
compliance
so
getting
that
that
home
into
compliance,
thus
lowering
the
flood
insurance
rate
number
two
correctly
rating
them,
because,
like
I
said,
I
do
see
a
lot
of
times
where
people
are
paying
more
than
they
actually
should
be,
whether
that's
the
elevation
certificates
wrong
or
whether
that's
theirs,
paying
a
subsidized
rate
and
they're
just
not
having
their
elevation
certificate
applied,
or
they
don't
have
in
elevations.
For
that
to
get
I
have
an
option.
C
Three
is
private.
Flood
insurance,
private
flood
insurance
is
getting
bigger
and
bigger
over
the
past
couple
years,
mostly
its
surplus
lines
carrier,
backed
by
Louisa
London
they're,
doing
their
own
modeling
and
testing
determining
what
risks
they
want
to
take
on
and
then
offering
flood
insurance
most
of
the
time
cheaper
than
what
the
National
Flood
Insurance
Program
is
offering.
C
So
I
don't
really
go
into
that
too
much.
But
if
you
do
have
questions
about
that,
I'd
be
happy
to
answer
that.
So
I
want
to
show
a
case
study
here
of
a
home
that
we
mitigated
in
New
Jersey.
This
is
a
home
built
up
on
a
crawlspace
there.
You
can
see
the
garage
on
the
back,
so
it
was
pretty
firm
built
in
1952,
meaning
was
built
before
there
were
any
flood
maps
and
in
fact
they
were
receiving
a
subsidized
rate.
C
It
was
her
primary
residence
and
the
bfv
in
that
area
was
9
foot,
so
her
flood
insurance
rate
was
two
thousand
nine
hundred
seventy
seven
dollars
and
the
reason
for
that
was
she
had
inadequate
flood
venting,
so
flood
vents
are
required
to
be
on
at
least
two
different
walls.
Two
different
sides
of
the
home
and
no
more
than
12
inches
from
the
the
highest
adjacent
grade,
so
whether
that's
the
interior,
exterior
or
whatever's
closest
right
directly
under
that
vent
has
to
be
no
more
than
12
inches.
C
In
this
case
it's
higher
than
a
foot
and
it's
closed
so
they're
not
they're
supposed
to
be
actually
broken
in
the
open
position
to
be
considered
a
flood
opening
because,
like
John
was
talking
about,
they
don't
want
to
rely
on
human
intervention.
This
is
a
passive
relief
method,
so
they
have
to
either
be
broken
in
the
open
position
or
they
have
to
mechanically
operate
to
allow
water
to
flow
through
the
structure.
C
C
The
next
higher
floor
is
ten
point.
One
that's
the
floor
that
we
want
to
rate
off
of
because
it's
above
the
base
flood
elevation
level.
It's
one
foot
above
in
this
case
by
installing
the
proper
openings
which
I'm
going
to
show
you
in
the
next
slide.
That's
where
she
was
able
to
lower
her
insurance
down
82%.
This
is
an
actual
you
know
quote
and
everything
she
went
down
to
five
hundred
forty
seven
dollars,
so
the
before
remember
was
two
thousand
nine
hundred.
C
Seventy
seven
dollars
see
retrofit
at
ten
engineered
flood
vents
and
the
after
premium
went
down
the
five
hundred
forty
seven
dollars
it
costs.
There
are
thirty
five
hundred
dollars
to
put
these
ten
flood
vents
installed
into
her
structure,
but
the
return
on
investment
was
less
than
a
year
and
a
half
for
our
you
know
and
everything
after
that
was
savings,
offer
flood
insurance
and
I
just
put
that
big
number
there,
because
you
know
boring.
C
She
has
a
30-year
mortgage
that
she
has
flood
insurance
for
and
there's
not
drastic
changes
with
the
National
Flood
Insurance
Program
she's
saving
over
seventy
two
thousand
dollars
over
the
time
of
a
30-year
mortgage
so
that
that's
the
more
passive
side
on
the
past
side,
like
john,
was
talking
about
raising
mechanicals.
That's
all
important.
C
This
case
study
specifically
I,
just
don't
over.
You
know
the
flood,
the
flood
venting
option
so
now,
moving
on
to
the
dry
flood
proof
side
there
are,
there
is
newer
technology
on
this
side.
I
will
say
residential.
It's
tricky
from
a
flood
insurance
standpoint
you
get
no
discount
for
dry
flood
proofing,
commercial.
You
can
with
a
dry
flood
proof
credit,
but
the
walls
have
to
be
hardened
reinforced
rebar.
C
All
that
because,
like
John
said,
your
base
will
be
making
a
boat
out
of
the
out
of
the
building,
so
I'm
just
going
over
options
here
when,
like
I,
said
more
of
the
commercial
side,
but
these
are
options.
You
know
to
drive
flood
proof
a
building,
so
they
have
stop
blogs
or,
as
we
call
them
flood
logs,
they
get
installed,
and
then
you
can
see
the
brackets
there.
Then
you
just
put
down
each
log
there
and
you
know
make
it
water
telling
you
here's
just
the
the
components
of
it.
C
C
Stop
logs
is
on
the
cheaper
side.
It
really
depends
on
how
how
much
you're
using
I
will
say
it's
under
100
grand,
but
those
a
couple
more
the
proximate
to
talk
about
hanging
it
on
the
pricier
side,
stop
logs
I'm
kind
of
going
from
cheapest,
the
most
expensive
so
stop
logs
are
on
the
cheaper
side
for
a
dry
flood
proofing.
C
So
I
will
say:
I
had
a
demo
last
week
and
we
got
a
sledgehammer
and
just
start
banging
it
to
see
how
tough
it
was,
and
you
know
I
had
a
six
foot,
five
guy
do
it
and
he
wasn't
able
to
do
anything
to
it.
So
if
I
said
what
I
said,
I
did
it
I'm
sure
I
would
have
got
some
some
layoffs
of
it.
How
strong
is
that
right?
C
But
but
yet
they
come
and
custom
sizes,
depending
on
the
access
points
and
the
windows
there,
you
can
see
the
decorative
caps
so
that
you
can't
really.
You
know
tell
that.
There's
that
that's
there
until
you
know
you
actually
have
to
install
it.
There's
lug
nuts
and
everything
that
you
put
pull
through.
C
C
C
And
that's
the
same
as
the
the
fr
a
panel.
There
that's
another
example
outside
of
Marco
Island,
there's
point-of-use
flood
barriers.
This
nail
is
getting
into
the
more
expensive
side.
This
is
more
for
critical
locations.
This
is
actually
LaGuardia
Airport
up
in
New
York.
This
is
for
places
like
hospitals,
schools
where
they
need
to
be
able
to
get
into.
C
The
people
who
actually
do
this,
this
FM
approved
and
the
people
who
manufacture
this
are
the
same.
People
that
manufacture
the
the
NASA
space
suits.
So
they're
used
to
making
soft
good
materials-
and
you
know
that's
that's
what
they
did
with
this
here
flex
wall
and
there's
the
back
side.
You
can
see
with
wood
er
what
it
looks
like.
C
C
A
C
C
Yeah,
we've
done,
we've
done
actually
this
product
it
down
in
Florida.
There's
a
lot
of
you
know,
as
you
know,
there's
a
lot
of
condo
buildings
in
Florida
and
we've
done.
We
actually
did
this
in
Florida.
Now,
there's
no
flood
insurance
relief
on
this
side.
Passive
systems
like
this
do
not
get
flood
insurance
savings.
So
it's
not
like
the
condo
association
is
going
to
get
flood
insurance
savings
for
this,
but
it
does,
you
know,
protect
the
buildings.
C
C
Impact
testing:
this
is
just
showing
you
flood
resistant
glass,
it's
pretty
new,
actually
and
we're
just
coming
out
with
FM
approval
and
everything.
That's
just
an
approval
that
certifies
its
flood
resistant
and
everything,
and
there
you
can
see
the
impact
testing
that
they
did.
This
is
more
for
cities.
We've
worked
with
Miami
when
they're
retaining
walls
to
look
at
this.
It's
called
FedEx
so
that,
instead
of
building
a
concrete
wall,
they
can
potentially
use
a
product
like
this
FedEx,
where
they
would
not.
C
D
B
D
All
right
good
evening,
everyone,
so
my
name
is
Kenya
Knight
and,
as
Eileen
said,
I'm
a
State
Farm
agent
I
have
over
20
years
of
experience
and
for
those
of
you
are
wondering
I
started
when
I
was
5
so
but
I'm
here
to
talk
about
insurance,
your
home
insurance,
flood
insurance
and
just
some
general
knowledge.
Some
of
you
might
have
specific
questions
about.
Maybe
a
claim
that
you
have
going
on.
I
may
or
may
not
be
able
to
answer
it.
D
So
I
might
be
able
to
give
you
some
general
knowledge
just
based
on
my
experience,
but
I'm,
not
a
claim
representative,
so
I
want
to
make
sure
I
give
that
disclaimer
out
so
we'll
get
started
all
right,
so
we're
gonna
start
with
some
homeowners
insurance,
basics,
all
right,
so
homeowners,
insurance
coverage,
we're
gonna
start
with
the
dwelling.
So
the
dwelling,
of
course,
is
going
to
be
the
structure
of
your
home.
Ok,
very
important
for
you
to
make
sure
that
you
have
the
proper
amount
of
coverage.
D
A
lot
the
other
coverages
stem
from
that
dwelling
coverage
now
the
next
thing
you're
gonna
have
is
dwelling
extension.
Okay.
This
is
gonna,
be
at
the
attached
garage,
a
shed,
a
swimming
pool,
a
she
shed
whatever
you
want
to
call
it
right.
So
any
other
structure,
that's
not
attached
to
your
home.
So
if
you
have
an
attached
garage
like
in
the
picture,
this
is
actually
part
of
the
dwelling.
But
if
it's
a
detached
garage,
then
that's
gonna
be
a
dwelling
extension.
D
So
it's
important
to
know
that
distinction,
because
sometimes
people
do
a
lot
to
that
garage
that
the
attached
garage
or
even
a
shed
I,
have
a
customer
that
I
was
speaking
to
today,
her
detached
garage.
She
turned
it
into
a
living
space
and
right
now
the
cover
she
has
is
actually
not
enough.
So
again,
just
one
of
those
things
to
keep
in
mind
personal
property.
That
also
stems
from
the
dwelling
coverage
with
State
Farm.
It's
gonna
be
75%
of
your
dwelling
coverage.
D
So
if
I
give
you
an
example
500,000
for
your
dwelling
coverage,
your
personal
property
is
gonna,
be
what's
that
325.
So
for
most
people,
that's
enough
coverage.
Wow,
when
you
do
that
calculation
again,
if
you
have
kind
of
like
some
collectibles
antiques
or
some
unique
items,
you
want
to
make
sure
that
you
take
into
that.
D
Take
that
into
account
that
your
insurance
is
going
to
have
those
limitations
and
on
the
dwelling
extension
for
State
Farm,
it's
10%
of
the
dwelling
and
these
amounts
are
in
addition,
so
we're
not
gonna
subtract
from
what
we
have
in
the
dwelling.
So
you
have
the
dwelling,
then
you
have
the
building
extension,
that's
additional
and
then
the
personal
property.
Then
you
have
liability.
Okay,
so
typically
insurance
companies
will
give
you
a
hundred
thousand
that
comes
with
a
policy,
that's
pretty
standard,
but
that
may
not
be
enough
right.
D
A
hundred
thousand,
that's
really
not
a
lot,
so
you
want
to
make
sure
that
you
take
into
account.
Well
what
are
my
assets?
What
are
the
things
that
I
want
to
protect,
so
you
want
to
have
the
proper
liability
coverage
on
their
loss
of
use.
So
if
you
can't
live
in
your
home
due
to
a
covered
claim,
okay,
that
could
be
a
fire
water
damage.
Whatever
that
could
be,
then
loss
of
use
is
going
to
cover
for
you
to
be
outside
of
your
home.
D
That
could
be
staying
in
a
part,
menteur,
temporary
home
and
maybe
you're
commuting
to
work
further
or
you
used
to
take
the
metro,
and
you
know
you
have
to
find
other
ways
to
get
to
work.
So
those
additional
expenses
are
covered
under
your
loss
of
use,
and
typically
there
is
a
limitation.
So
you
wanna,
you
know,
know
what
that
is
with
State.
Farm
is
30
percent
of
the
dwelling
coverage,
okay
and
then
you're
gonna
have
a
deductible.
So
this
is
gonna,
be
your
responsibility.
What
happens
at
the
time
of
a
loss?
That's
your
responsibility!
D
No
different
than
your
auto
insurance
and
with
homeowners,
usually
you're
gonna,
have
a
larger
deductible.
Maybe
a
thousandth
could
be.
Five
thousand
could
be
larger,
so
you
want
to
know
that
before
you
call
to
file
a
claim,
because
there
is
something
smaller,
you
don't
want
to
claim
on
your
record
if
it's
not
even
gonna
cover
your
deductible.
So
keep
that
in
mind.
D
All
right,
some
common
perils,
so
apparel
is
basic,
not
apparel.
Clothing
apparel
is
basically
the
covered
loss
or
the
damage.
Okay,
so
some
common
perils
on
insurance
policies
could
be
things
like
fire
theft,
vandalism,
falling
objects,
hail,
wind
and
I
put
in
there
some
water,
because
not
all
water
is
covered
under
the
homeowners
I
think
we
have
established
that
by
now
so
falling
objects
now
we're
talking
about
you
know.
Maybe
some
storms.
D
We
get
this
a
lot,
trees
fall
on
on
the
home
or
maybe
a
detached
structure,
so
I
get
customers
that
call
me
and
say:
well,
it
was
my
neighbor's
tree.
Wasn't
my
tree,
so
are
they
gonna
cover
it
and
it
doesn't
really
matter
whose
tree
it
is?
Okay,
whatever,
if
it's
your
property,
we're
gonna
go
ahead
and
cover
it
and
we're
gonna
cover
up
to
the
property
line.
D
So
this
tree
fell
from
your
neighbor's
house
and
it's
partially
in
their
property
and
then
the
rest
in
yours
that
we're
gonna
cover
up
to
the
property
line
to
get
that
removed
as
well
as
cover
whatever
was
lost,
and
then
their
insurance
should
cover
the
rest.
Now
one
thing
I
do
want
to
mention.
If
a
tree
falls
in
the
middle
of
your
yard
doesn't
hit
anything
a
cover
structure,
that's
actually
not
covered.
We're,
not
gonna
pay
to
remove
that.
Okay,
it
has
to
hit
a
covered
property.
So
again
it
could
hit
that
shred.
D
It
could
hit
a
fence,
obviously
your
home,
but
if
it
falls
in
the
middle
of
your
yard
and
doesn't
hit
anything,
it's
actually
not
covered
wind.
So
we
are
not
a
coastal
area,
so
when
you're
in
a
coastal
area,
you're
typically
gonna
have
a
separate
hurricane
deductible.
So
we're
not
coastal.
It's
part
of
your
regular
deductible
with
State,
Farm
I
think
most
companies
it's
the
same
way.
Hale
is
also
covered
and
then
I
said
some
water,
okay,
so
I'll
define
that
a
little
bit
better.
D
So
if
you
have,
let's
say
your
dishwasher
goes
haywire
and
now
you
have
you
know
your
house
is
quote-unquote
flooded.
Okay,
that's
not
really
a
flood
right,
and
that
is
something
that
is
covered
under
your
homeowners
insurance,
all
right,
frozen
pipes.
Okay,
we
hear
this
sometimes
where
you
know
homeowner
goes
away
and
they
lose
power
and
then
all
of
a
sudden
they
come
back
and
their
house
is
full
of
water
because
the
pipes
froze
and
that's
something
that
would
be
covered
so
flood
rising
water
coming
from
the
outside.
That's
not
covered
under
any
insurance
company.
D
All
right,
some
common
exclusions
and
things
that
are
not
covered
under
most
insurance
companies,
intentional
acts
and
I
think
that's
pretty
obvious.
But
of
course,
we've
had
you
know:
customers
who
burned
our
house
to
claim
the
insurance
money
that's
not
covered.
We
have
a
whole
department
that
they
scare
fraud,
so
intentional
acts
are
not
covered.
Wear
and
tear
is
not
covered,
okay
and
think
about
it.
Like
your
car.
Okay,
if
you
need
to
get
new
tires
on
your
car,
you're,
not
gonna.
Call
your
auto
insurance
company
and
say
I
need
new
tires.
B
D
And
tear
is
not
covered
so
where
this
come
into
play
is
let's
say
the
roof
has
a
leak
and
you
need
to
replace
the
roof.
Well,
that's
really
wear
and
tear
that's,
not
something
that
should
be
covered
under
your
insurance.
Now
the
damage
that
may
be
caused,
maybe
by
a
leak
that
could
be
covered.
Okay
and
I'm,
not
gonna,
say
definitely
will,
but
it's
something
that
could
be
covered,
but.
B
D
That's
wear
and
tear,
and
that's
something
that
you
would
have
to
you
know,
maintain
your
property
acts
of
war
not
covered.
Typically,
if
something
like
that
were
to
happen,
the
government
steps
in
and
and
provides
relief
earthquake
coverage
is
not
included.
It's
you
know
it's
excluded
here
in
Virginia,
but
most
companies
do
offer
an
endorsement.
So
you
can
add
earthquake
coverage,
that's
something
you're
interested
in.
We
offer
it
at
State,
Farm,
water
and
sewage,
backup,
that's
excluded
from
homeowners
insurance.
D
Unless
you
add
an
endorsement,
okay
and
most
companies
do
offer
that
endorsement,
so
make
sure
that
you
check,
if
you
actually
have
that
and
I'm
gonna
cover
sewage
and
water
backup
in
a
moment
surface
water,
okay,
so
that's
basically
like
flooding
right,
the
water
sitting
there
and
then
it
gushes
in
your
home.
That's
not
covered
okay
or
even
water
seeping
in
through
the
walls,
also
not
something
that's
covered,
and
then.
B
D
Old
flood
insurance,
our
flood
coverage
all
right,
so
backup
of
sewer
or
drain
endorsement.
I'm
gonna
read
you
the
definition,
and
this
comes
out
of
State
Farm's
booklet.
So
the
definition
of
our
endorsement
coverage
is
dwelling
at
personal
property
for
accidental
direct
physical
loss
caused
by
or
resulting
from
water
or
sewage
that
enters
through
sewers
or
drains
or
water,
which
enters
into
and
overflows
from
within
a
sump
pump,
sump
pump
well
or
any
other
system
designed
to
remove
subsurface
water.
Okay.
So
it's
not
gonna
be
that
water
that
comes
in
you
know
through
the
door.
D
It's
basically
any
water
comes
in
through
the
sump
pump.
Maybe
this
maybe
it's
failing
it's
not
able
to
pump
the
water
fast
enough,
that's
something
that
could
be
covered,
but
you
have
to
make
sure
that
that
endorsement
is
on
there
and
what
is
it
gonna
cover?
Well,
of
course,
it's
gonna
cover
your
structure.
Yeah
dwelling,
okay,
you're
gonna
have
personal
property.
That's
gonna
be
covered
under
this
endorsement.
If
you
have
that
on
there,
but
again,
keep
in
mind
that
there's
gonna
be
probably
some
limitations.
D
So,
with
our
state
front
policies,
we
have
three
different
types
of
back
of
a
sewer
coverage,
so
you
can
get
full
coverage,
meaning
your
full
dwelling
and
your
full
personal
property
coverage.
Okay,
that's
like
the
most
expensive
one
and
then
you
can
have
up
to
30%
of
both
of
those
or
you
could
have
15%.
So
that
might
help
you
with
you,
know
the
price
and,
if
you
think
about
it,
if,
if
you
were
to
have
sewage
or
water,
backup,
you're,
probably
not
gonna
lose
your
entire
home
due
to
that.
D
So,
if
you
think
about
that,
then
you
may
not
need
the
entire
amount
covered,
something
that
consider
alright
flood
insurance.
We've
spoken
a
lot
about
that
tonight,
so
flood
insurance.
The
definition
is
a
general
and
temporary
condition
of
partial,
a
complete
inundation
of
two
or
more
acres
of
normally
dry
land
area
or
two
or
more
properties.
So
what
this
basically
means
is
that
if
you
were
that
one
unlucky
person
that
got
your
house
flooded,
it's
actually
not
covered.
Even
if
you
have
flood
insurance.
Okay,
it's
not
meant
to
cover
that
one
off.
D
D
And,
of
course,
I
didn't
create
this.
This
is
through
FEMA,
so
I
know
thank
you,
but
anyway,
so
I
like
to
explain
that,
because
sometimes
people
say
well
what
if
I'm
flooded?
Well,
it's
not
just
you,
it
has
to
be
you
and
actually
the
definition
goes
even
further
says
you
in
an
adjacent
property.
So
it
couldn't
just
be
you
and
then
three
blocks
down.
Someone
else
also
got
flooded.
It
has
to
be
your
general
area
so
something
to
keep
in
mind
now.
Flood
zones-
we've
talked
a
little
bit
about
that
tonight.
D
So
there's
basically
three
types
of
risks:
there's
the
high
risk.
Okay
and
if
you're
in
a
high-risk
zone,
you
probably
know
it
you're
morgan,
your
mortgage
company's
going
to
require
you
to
have
flood
insurance,
so
it's
basically
all
of
the
A's.
So
there's
like
a
eao,
a
are
a
bunch
of
others
and
the
v's
actually
haven't
seen
B's
before,
but
I
found
that
on
the
website
and
then
there's
a
bunch
of
other
V's.
D
So
if
you're,
an
AE
or
a
or
any
of
the
B's
you're
in
a
high-risk
flood
insurance,
so
you're
very
likely
to
be
flooded
and
then
there's
moderate
and
it
said
B
and
X
shaded.
So
when
we
do
that
elevation
certificate
and
that
certificate
that
gives
us
a
little
bit
of
information
about
your
property
is
going
to
tell
us
exactly
which
flood
zone
that
you're
in
and
then
we're
gonna
know.
Are
you
high,
moderate
or
preferred?
Okay
and
the
preferred
zones?
Are
it's
C
and
X?
D
Okay
and
a
lot
of
a
lot
of
my
customers
are
in
a
preferred
flood
zone.
So
you're
your
going
to
be
an
a
type
of
flow
zone,
you're
either
preferred
or
not.
Okay,
and
if
you
don't,
if
your
mortgage
company
didn't
require
you
to
have
flood
insurance
you're
in
a
preferred
zone,
and
it
doesn't
mean
that
you
don't
need
to
buy
flood
insurance,
I
mean
we
know
any
area
could
be
flooded
and
on
average,
about
20%
of
homes
that
are
flooded
are
not
in
a
flood
zone.
D
So
keep
that
in
mind
that,
even
though
you
may
not
be
in
a
flood
zone,
it
doesn't
mean
that
you
shouldn't
have
it
these
things
can
happen.
I
mean
we
saw
what
happened
in
July,
so
oh
and
something
about
the
cost
of
flood
insurance,
real
quick
to
go
back.
So
if
you
had
a
high-risk
zone,
it's
typically
gonna
be
about
two
to
three
thousand
dollars
a
year.
Moderates
gonna
be
a
little
less
than
a
thousand
and
if
you're
in
the
preferred
zone
on
average
it's
about
five
hundred
dollars
a
year.
D
So
just
to
give
you
some
numbers
all
right,
so
flood
insurance,
so
how
much
coverage
can
I
get
so
the
most
you
can
get
on
your
dwelling
on
your
structure
is
250
thousand
and
I
know.
Sometimes
that's
hard
for
people.
You
know
they
have
the
million-dollar
homes
like
that's
all
I
can
get,
and
unfortunately
that's
the
most.
You
can
get
two
hundred
thousand
keep
in
mind
if
you
are
flooded.
You're,
probably
not
gonna
lose
your
whole
home.
So
if
you
keep
that
in
the
back
of
your
mind,
then
it
doesn't
make
it
feel
as
bad.
D
So
250
is
the
most
you
can
have
on
the
dwelling.
A
hundred
thousand
is
also
the
most
you
can
have
on
personal
property
coverage.
The
deductibles
can
range
typically
between
a
thousand
and
two
thousand
there's
some
other
options
there
as
well.
Something
else
I'd
like
to
mention
about
the
deductible.
Is
you
have
two
separate
deductibles
so
with
your
home
insurance?
If,
let's
say
you
had
a
fire
and
you
lost
a
home
and
your
personal
property
you're
going
to
have
one
deductible.
D
So
if
it's
a
five
thousand
dollar
deductible,
then
that's
for
the
whole
claim,
but
with
flood
insurance
you
have
one
for
the
structure
and
one
for
your
personal
property.
You're
gonna
have
a
30-day
waiting
period.
So,
if
you
said
hey
I
want
to
get
the
split
insurance
today,
you
cannot
get
it
today.
We
can
start
the
application
process
with
the
future
effective
date.
The
only
way
you
can
get
flood
insurance
immediately
is
if
your
mortgage
company
requires
it
and
we're
gonna,
make
it
effective
the
date
of
closing.
D
Otherwise
it's
going
to
be
a
30-day
waiting
period
and
I
guess
the
thinking
behind
that
is
well.
If
we
hear
there's
a
hurricane
coming
in
hey,
let
me
get
that
flood
insurance,
real,
quick
right.
So,
of
course,
I.
Guess,
that's
the
government
trying
to
protect
themselves
too
so
requirements
we're
gonna
do
our
own.
We
have
a
way
to
look
at
the
flood
determination,
but
a
lot
of
times
you
do
require
that
elevation
certificate.
So
you
talked
about
that
earlier
and
that's
done
by
a
land
surveyor
and
here's
a
little
chart
that
talks
about
you
know.
D
Flood
insurance
is
a
drop
in
the
bucket
compared
to
the
cost
of
flood.
Damage
can
could
be,
and
it's
saying
seven
hundred
dollars
a
year.
I
guess
it
depends
on
what
zone
you're
in
and
then
the
average
flood
claim
is
about
forty
three
thousand,
so
recommendations
I
think
is
very
important
for
you
to
sit
down
with
your
agent
and
know
exactly
what
type
of
policy
you
have.
What
are
your
coverages?
Do
you
have
the
proper
amount
of
insurance?
What
are
your
limitations?
D
Okay,
very
important,
because
not
all
coverages
and
not
all
companies
work
the
same
and
even
within
the
same
company
you
could
have
different
types
of
policies.
I've
come
across
homeowner
policies
where
they
cover
the
roof
very
differently
than
most
other
companies
like
they
might
only
cover
up
to
20%.
So
these
are
things
that
you
want
to
make
sure
that
you
are
aware
of
that.
You
don't
just
look
at
okay.
What's
my
price
and
that's
the
bottom
line,
how
will
it
pay
in
the
time
of
a
claim?
Okay,.
B
D
Are
your
limitations?
What
are
recommended
endorsements
by
your
insurance
agent
right
and
you
might
have
questions
specifically
about
hey?
Is
this
type
of
thing
covered,
or
what
about
this
so
make
sure
to
have
those
conversations
and
I
recommend
to
my
clients?
Hey,
we
need
to
review
your
insurance.
You
know
every
year,
every
couple
years,
because
sometimes
I
have
customers
that
you
know
they
finish
their
basement.
D
You
know
what's
covered
and
not
some
of
my
contact
information
I
gave
most
of
you
some
information,
some
loss
mitigation,
things
I
know
you've
heard
a
lot
tonight
for
those
of
you
who
didn't
get
my
info,
I'm
gonna
put
it
by
the
door,
so
you
can
grab
it
on
your
way
and
I
know
you
all
are
going
to
have
some
questions
in
a
moment.
So
thank
you.