Blog

If you live along a coastline, or near a lake or river, the need for flood protection is standard. But increasingly unpredictable weather patterns and an uptick in land development have recently combined to reduce the earth’s capacity for water
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Earlier this year, the Federal Emergency Management Agency (FEMA) updated the National Flood Insurance Program's (NFIP) risk rating by implementing a new pricing methodology called Risk Rating 2.0.  At Dayton Ritz + Osborne Insurance, we’ve broken down the specifics so
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Did you know? An inch of water can cause thousands of dollars of damage and most homeowners insurance policies don’t cover flood damage. Floods have become more frequent in the last several years and April showers have already begun in
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The snow is starting to melt here in Hamptons and we couldn’t be more elated. A clear sign that spring is around the corner, but danger still lurks. Melting snow on roofs, gutters, and ice dams can wreak havoc on
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