Floody Waters: Insure Your Home/Business & Ensure Calm After the Storm

September 29, 2009

Philippines, Typhoon Ketsana, Tropical Storm, Flooding
Erik de Castro, Reuters • Typhoon Ketsana ravages The Philippines

Flooding in the aftermath of Typhoon Ketsana has left millions in The Philippines devastated–the homes of nearly 1.9 million were flooded; displaced–nearly 380,000 people have been brought to evacuation centers; and dead–the death toll has risen to at least 240 and it is expected to increase as many remain missing (The National Disaster Coordinating Council).

The Philippines may seem worlds away from us, but just days ago, flooding in our state of Georgia has left many devastated, displaced and dead.  A woman in Georgia affected by the flood suggested that she “knows it’s not Katrina,” to which Vice President Biden replied, “For someone who is in a situation the people here in this shelter are in, it is Katrina. It is not Katrina in its scope by any stretch of the imagination, but the impact on their lives, on your lives, we understand it is Katrina.”

In a flash, disasters such as these remind us how inherently unpredictable and unforgiving nature is. Even if a hurricane or tropical storm doesn’t rip through your area, flooding is still a real threat. Anywhere it rains, it can flood. Whether floods are rare, unexpected or frequent where your home or business is, a flood risk is always present and it takes just an inch of water to cause damage to your property and disruption to your life or business.

Your homeowner, condo, renter and business policies do not cover damage by flooding (in fact, flooding is explicitly excluded), so it is important to have protection from the floods associated with hurricanes, tropical storms, heavy rains, snowmelt and other conditions that impact the U.S. Consider the possibilities of what flood damage can do to your assets… and then strongly consider protecting your home and business. If your home or business is covered by flood insurance, you can rest assured that there is calm after the storm.

Call or e-mail us at Asset Security to discuss protecting your home and business against flood damage. 914-598-3004 or jaime@assetsecurityrm.com.

Not-So-Fun Flood Facts…

  • Floods and flash floods happen in all 50 states.
  • Everyone lives in a flood zone.
  • Your car can easily be carried away by just two feet of floodwater.
  • Your home has a 26% chance of being damaged by a flood during the course of a 30-year mortgage, compared to a 9% chance of fire.
  • One-third of all claims paid are for policies in low-flood-risk communities.
  • Floods are the #1 most common natural disaster in the United States.
  • 90% of floods aren’t declared federal disasters leaving the full cost to rebuild up to the home or business owner. Flood insurance protects you whether or not a disaster is declared.
  • The National Flood Insurance Program (NFIP) awarded over $16 billion in flood claims in 2005. Source: http://www.floodsmart.gov
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    The Social Side of Business

    September 28, 2009

    Facebook and Twitter and LinkedIn, oh MY! Don’t mind the Wizard of Oz allusion–diving into the social media world is not nearly as frightening as lions and tigers and bears (oh my). 

    While I was in college (a mere 2 years ago), Facebook exploded onto the social scene, shrouding earlier social networking sites and creating a fresh avenue for communicating with (and stalking) friends and acquaintances. Now that social media like Facebook, Twitter, LinkedIn and blogs are captivating people and entities outisde of college dorms, I am interested, as a burgeoning businesswoman, in learning how to maximize these resources as a tool for business development.

    Used to the traditional face-to-face networking and referrals of yore, many older businessowners are ambivalent toward social networking sits, but hey! It’s 2009!  The amount of people that are connected via social media is phenomenal and is growing at an even more phenomenal rate. In business, we must take advantage of this trend to reach customers on the go, market to prospects and stay connected in an increasingly wired world.

    I recently participated in a webinar called “The Social Side of Business: Using Social Media to Create Real Business Relationships,” hosted by Anita Campbell of SmallBizTrends.com with guests Shashi Bellamkonda of Network Solutions, Pamela O’Hara of BatchBlue.com and Partha Dutta of MobileTribe.net. Here is some useful information I gleaned from the webinar:

    Shashi says: Create Social Media Plan

    • Set up alerts (i.e. Google Alerts) for yourself and business; keywords people may use to find you/your products
    • Spend 15-20 mins each day looking at the alerts–you could find a customer praising you on a forum or someone giving you a great (or not-so-great) review on Yelp.com
    • Join and setup profiles on 3 social networking sites
    • Choose 3 blogs in your field to read and comment on. Get connected with your peers and experts in your industry; join the conversation!
    • Answer questions yourself and become an expert in your niche on sites like LinkedIn
    • Measure your efforts–i.e. How much revenue? How many leads? How many people read your posts? Are customers evangelizing?
    • Encourage your customers to submit reviews about you (Google, Yelp, etc.)
    • Attend one local event each month to help with networking efforts


    Pamela says: Build a community

    • She created SBbuzz.biz and invited small business owners to talk about their processes
    • The goal: help small businesses understand technology, social media, twitter; meet and learn from other owners what their needs were and what was working for them
    • She now has 12K+ followers and hundreds of members
    • She built a community, which drove more traffic to her site and attracted new customers

    Partha says: Connect, Converse and Share!

    • You can use the web to manage customer interaction, reach a wider audience, retain customers and get feedback
    • People are on-the-go! You can give them relevant and timely responses
    • Talk maximally with minimal cost!
    • Build relationships on the go; invite new friends, send updates to fans (Facebook) and/or followers (Twitter)
    • Make it real work: start small with social networking sites and incorporate it into your daily work–you will build up relationships and a following
    • Create a community around your company

    Summary: Milk Social Media for All it’s Worth (which is a lot)!

    If you are still weary, intimidated or unsure of what to share, realize:

    • There are people out there interested in what you’re doing! Be a useful, helpful and entertaining resource.
    • Every business has something valuable to offer their community–Simply having something valuable to say and offering advice will encourage people to come to you for information!
    • Engage, educate and entertain your current customers and prospects–they will look forward to seeing what you have to say.

    Uh, It’s 2009!

    September 23, 2009

    I am always surprised at the number of people who ask, “this button?” when asked to snap a photograph on a digital camera. Maybe it’s because I’m young, sprightly and technology savvy, but I can’t help but think, “Uh, it’s 2009! Yes, it’s that big button on the top, in the same position the button has been for decades, even on those ancient 35 mms.”

    In the same vein, I realized, “Uh, it’s 2009(!) and our company has yet to establish a strong online presence!” Incorporated 3 years ago, the owners of Asset Security (with 40+ years of combined experience) have dedicated their focus to serving their clients. While nothing is more important than our loyal clients, something had to be done about getting savvy for 2009 and beyond! After all, this is an age where everyone and their grandmas (but not my grandma, in fact) are interacting with the world online. In my own internet experiences, I have realized that if a company does not have website, I immediately furrow my brows as a bewildered looks washes over my face and I think, “Uh, it’s 2009! Who doesn’t have a website?”

    To bring Asset Security up to speed, a great team at Safeco (one of the excellent insurance companies Asset Security represents) laid a phenomenal foundation for our website as a gift, recognizing Asset Security as one of the top agents in the country (Safeco Conference of Champions 2009). To augment the design element of our site, we hired a company found through Elance. Elance is a great resource for any individual or business, as it offers an “immediate, cost-effective and flexible way to hire, manage and pay independent professionals and contractors online.”

    A website is only the first step, though. Social media trends are growing faster than the speed of light (this is a rough estimate, as it has not yet been scientifically tested) and is THE way to connect, converse and share information. Facebook began as the college student’s online playground and as a recent college graduate, I know the ins and outs, ups (great way to connect with friends!) and downs (great way to procrastinate studying!) of utilizing Facebook for social purposes. Now that I’m all grown up, it is time to get the most out of Facebook (become a fan!), Twitter (follow us!) and other avenues of networking for business.