Chance of Flooding Decreased, Residents Jubilant but Vigilant

ELLEN M. BANNER / THE SEATTLE TIMES
Sandbags are lined up around the Green River to prepare for potential flooding.


The Army Corps of Engineers has been working hard to make secure adjustments and repairs on the Howard Hanson Dam and good news arrived last Friday...the chances of flooding have been lowered from a 1 in 3 chance to a 1 in 25 chance!

Since January, they've pumped a half a million gallons into the damaged abutment to hold back water during days of heavy rain. This last Thursday, Corps of Engineers Col. Anthony Wright said that it is, indeed, doing it's job. The grout bonded with earthen materials to slow seepage enough that he was able to increase the capacity of the reservoir behind the dam of about 33% to about 50% of its normal capacity.
Therefore, reducing the risk of causing forced flooding in the Auburn valley region to about 1 in 25 with an overall risk of 1 in 33 with the sandbags and other security features to be installed.

Col. Wright maintains, however, that if we again experience Pineapple Express (a series of storms carrying heavy moisture from the subtropics) like we did in January, he would have to cause flooding by releasing water from the dam.

The new numbers are are fantastic improvement, but residents are still staying on guard.

King County Executive Kurt Triplett stated "the new percentage sounds great, but the reality is we had just that type of storm event 10 months ago. I'm definitely going to be sleeping easier..., but we're not out of the woods."

When the dam is fully restored with a concrete wall built within the abutment, there will only be a 1 in 140 chance of flooding. This could be 3 to 5 years away.

Use of Credit Score in Insurance

Here is a message from Dan Kelso of the Ohio Insurance Institute in Columbus:

There's no need to create a "fear factor" when it comes to the use of insurance scores. The Ohio Department of Insurance regulates it, having established a credit insurance rule in 2003. This rule provides consumer protection as it pertains to insurer use of credit and prohibits insurers from using insurance scores as the sole determinant in underwriting or rating decisions.

Before calling for an overhaul to Ohio's process of determining insurance premiums, consumers should weigh The Blade's Oct. 28 guest editorial against their pocketbooks. Ohio has some of the lowest premiums in the country. Our average homeowners insurance expenditure is tied for fifth lowest at $530. The U.S. average is $804. Ohio's $654 average auto premium is 13th lowest, well below the U.S. average.

The Dallas Morning News editorial cited California and Maryland as states to emulate. Consumers are worse off in these states. California's average auto insurance premium is $843 and Maryland's is worse: $949. California's homeowners insurance averages $937 and Maryland's is $721.

States envy Ohio's affordable and competitive market. Consumers benefit from the fact that we have more auto and homeowners insurance carriers than in all but two states.

While the use of insurance scores is greatly misunderstood, the majority of insurance consumers pay less for auto and homeowners insurance with its use.

This isn't on the minds of Ohioans. ODI complaint data shows only 47 related to homeowners insurance costs in 2008. Complaints on auto insurance rates have been declining since 2002 with only 43 last year.

Ohioans aren't penalized by the use of insurance scoring models. In fact, comparing our premiums to states highlighted in the editorial, we should leave well enough alone.

Identity Theft: A Fast Growing Crime

Identity theft is becoming a major concern as it has become one of the fastest growing crimes in America. Victims face the task of notifying and communicating with creditors, debt collectors, law enforcement agencies, financial institutions, national credit bureaus and others in an attempt to restore their good credit standing. The cost of all of this can mount up.
You can add Identity Theft coverage to your Homeowner Policy to provide protection for these costs in the event you are forced to reclaim your identity and financial status. The additional premium is minimal.
One of our fine insurance companies is even providing Advocacy Services which gives you access to a qualified personal advocate to provide you with useful information and guidance to address the theft of your identity quickly.
What is identity theft? Identity theft is the unlawful use of another person’s identifying information, such as name, address, phone number or Social Security number to obtain credit fraudently from banks or retailers, steal money from existing accounts or open new accounts
for financial gain, apply for loans or other similar fraudulent activities.
Reclaiming your identity and restoring a damaged credit record following identity theft can take a considerable amount of time and expense.
The advocate that one of our leading insurance companies uses, provides easy access to a qualified person to assist you with the paperwork, telephone calls and other tasks required to address your situation quickly.
In addition, identity theft insurance will pay up to an amount ($25,000 with some companies subject to a $250 deductible) for expenses such as notarized fraud affidavits, certified mail and long distance telephone calls to law enforcement and credit rating agencies, loan application fees when required to reapply for a loan denied due to identity theft, reasonable attorney fees to defend against lawsuits, to remove wrongly entered criminal or civil judgments or to challenge the accuracy or completeness of information in your consumer credit report. It will also cover lost wages at $250 per day up to $10,000 when you take off work to meet with law enforcement agencies, legal counsel or similar related activities (included within the $25,000 limit of insurance).
Please contact us about this additional protection to your Homeowner Policy now.

New Radars and Gauges to Fight Flooding

More rain gauges and an experimental weather sensor will be installed in the Green River basin to help boost the odds that federal officials can predict which storms might lead to flooding.

These systems, which are already used in California, measure water vapors in the air and wind speed and direction several miles above Earth's surface. Forecasters may be able to use this information to better predict whether impending storms will have enough rainfall to cause flooding within 24 hours in advance.

The new rain sensors are not foolproof, though, Colman said. They are still experimental, and one of the weather service's most difficult tasks, technologically, is gauging how much rain will fall during a given storm.

"But if before we were calling for 2-4 inches of rain and this lets us refine that to say 2-3 inches ... even removing that bit of uncertainty will be helpful," Colman said.


Thank you to Seattle Times.

Fact vs. Fiction: Uncovering auto insurance myths

Like a teenager eager to try a new video game, playing before reading the rules, many drivers buy insurance without really understanding what they’re buying.
In the rush to feel “covered,” they can skip the details. That can lead to frustration.
Following are five insurance myths heard by some of the more than 13,000 claims people at Progressive, one of the country’s largest auto insurance companies:

Myth: I bought “full coverage” so everything’s paid for.
Reality: There is no such thing as “full coverage.” In most states, only liability insurance is mandatory. There are a lot of other coverage options out there, so select what you need and can afford based on your personal situation.

Myth: I need three estimates before my wrecked vehicle can be repaired.
Reality: Not necessarily. Very few insurers actually require this, although some might. If you decide to use a shop that’s in an insurance company’s “network” of pre-approved shops you may just have to get an estimate from that shop.

Myth: My insurance premium always increases if I’m involved in an accident.
Reality: It depends. Your rate can increase, decrease or stay the same. The information about your accident is combined with other information about you, your car and your driving history to determine your rate.

Myth: If I lend my car to someone and he/she crashes it, I’m covered.
Reality: Not so fast. If you or your friend don’t have optional physical damage coverages, damage to your vehicle generally won’t be covered.

Myth: If I buy a new car, my auto insurance company automatically knows; and my new car is covered.
Reality: No. Most insurance companies require that you notify them or your agent within a specified number of days. Generally, you have 30 days to add the new vehicle to your policy.

To learn more, contact a friendly Fey Insurance representative.

This ad is to remind people we can also help them with Progressive Insurance products. Also, we have found more often than not going through an agency is a cheaper way to buy Progressive Insurance products. Give us a call.

H1N1 Tips

Here's a great e-mail regarding Swine Flu...if you haven't gotten it, it's going around! (The e-mail, not the flu :))

The only portals of entry are the nostrils and mouth/throat. In a global epidemic of this nature, it's almost impossible to avoid coming into contact with H1N1 in spite of all precautions. Contact with H1N1 is not so much of a problem as proliferation is.

While you are still healthy and not showing any symptoms of H1N1 infection, in order to prevent proliferation, aggravation of symptoms and development of secondary infections, some very simple steps, not fully highlighted in most official communications, can be practiced (instead of focusing on how to stock N95 or Tamiflu):

1. Frequent hand-washing (well highlighted in all official communications).

2. "Hands-off-the-face" approach. Resist all temptations to touch any part of face (unless you need to eat or bathe).

3. Gargle twice a day with warm salt water (use Listerine if you don't trust salt).
H1N1 takes 2-3 days after initial infection in the throat/nasal cavity to proliferate and show characteristic symptoms. Simple gargling prevents proliferation. In a way, gargling with salt water has the same effect on a healthy individual that Tamiflu has on an infected one. Don't underestimate this simple, inexpensive and powerful preventative method.

4. Similar to #3 above, clean your nostrils at least once every day with warm salt water. Not everybody may be good at Jala Neti or Sutra Neti (very good Yoga "asanas" to clean nasal cavities), but blowing the nose hard once a day and swabbing both nostrils with cotton buds dipped in warm salt water is very effective in bringing down viral population.

5. Boost your natural immunity with foods that are rich in Vitamin C (i.e. citrus fruits). If you have to supplement with Vitamin C tablets, make sure that it also has Zinc to boost absorption.

6. Drink as much of warm liquids (tea, coffee, etc) as you can.
Drinking warm liquids has the same effect as gargling, but in the reverse direction. They wash off proliferating viruses from the throat into the stomach where they cannot survive, proliferate or do any harm.