Holiday Farm clean up resources

Contractor to help with clean up


Posted on September 27, 2020 at 9:13 am
Nadine Scott | Posted in Uncategorized |

Flood Insurance|Questions and Answers

https://www.bankrate.com/insurance/homeowners-insurance/flood-insurance/

Floods are the nation’s most common natural disaster, but the damage is rarely covered under your homeowners or renters policy. In fact, if you don’t want to foot the bill for any flood-related damage out-of-pocket, you’ll need an entirely separate flood insurance policy for your property.

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Flood insurance is designed to cover damage and loss that results from externally-caused flooding — flooding due to heavy rains, snowstorms, overflowing storm drains or levees, etc. In places that are particularly prone to flooding, mortgage lenders often require flood insurance before they’ll approve a homebuyer’s loan.

I have homeowners insurance, isn’t that enough?

Homeowners insurance and renters insurance policies may offer protection for plumbing-related flood damage and water leaks, but they won’t cover losses due to naturally occurring floods.

This can leave homeowners in a particularly hard position should flooding occur. According to the Insurance Information Institute, the average loss experienced by a homeowner in Hurricane Katrina was $97,500. Homeowners affected by Hurricane Harvey say damages average just under $117,000.

To see if you should consider flood insurance, use the FEMA flood mapping tool to assess your home’s risk of flooding. If your home is in a high-risk area, your mortgage lender will likely require a policy before they’ll grant your loan. If you’re in a lower-risk area and flood insurance is not required by your lender, you might still consider insuring the home just to be safe. According to the III, 20% of flood claims are filed in low to moderate risk flood areas.

How does flood insurance work?

Here’s how the III describes flood insurance coverage: “Flood insurance covers direct physical losses from floods and losses resulting from flood related erosion caused by waves or currents of water exceeding anticipated cyclical levels and accompanied by a severe storm, flash flood, abnormal tide surge or a similar situation that results in flooding.”

These losses aren’t covered under traditional homeowners or renters insurance, so you’ll have to get the policy separately. These policies are offered through the National Flood Insurance Program and through private insurance companies (more on this later), and there is usually a waiting period before your coverage kicks in. After that point, your policy will start to cover losses should flood damage occur on your property.

What’s covered under flood insurance?

Flood insurance comes with both building coverage and contents coverage. Building coverage pays for damages to your foundation, electrical and plumbing systems, HVAC equipment, flooring, built-in appliances and fixtures, blinds, and walls. Contents coverage is for damaged clothing, furniture, electronics, and portable appliances within the home.

What isn’t covered under flood insurance?

Flood insurance policies won’t cover damage caused by moisture, mildew or mold that could have been prevented. Damage caused by earth movement, outdoor belongings like decks, patios, and pools, and additional living expenses like temporary housing are also not covered under flood insurance. These items require other types of coverage to be properly insured.

The two types of flood insurance

National Flood Insurance Program (NFIP)

The National Flood Insurance Program gives homeowners access to federally supported flood insurance. NFIP insurance is available to anyone living in both high-risk and low to moderate-to-low-risk areas and offers up to $250,000 in building coverage and $100,000 in contents coverage. You can also purchase “excess” coverage, which covers properties valued above those limits.

Over 100 insurance companies write and service NFIP policies. If you’re interested in buying flood insurance, the best place to begin is by asking your homeowners insurance provider to assist you. However, not all insurance providers offer these policies, so you may have to shop around if your provider is not one of them. There is a 30-day waiting period from the date of purchase until your policy goes into effect, so keep this in mind — especially if you’re a new homeowner.

Private flood insurance

Private flood insurance also covers the structure of your home and its contents from water damage, except it receives no support from the federal government. Instead, private flood insurers are for-profit companies that either rely on a reinsurer or money collected from premiums to cover losses.

Private flood insurance can be more comprehensive than NFIP policies and often comes with higher limits. Additionally, waiting times for private flood insurance are usually shorter than the 30-day period NFIP requires.

Another important fact to take note of: The NFIP plan will only reimburse you for the depreciated amount of your flood-damaged belongings, while private flood insurance covers personal property at its replacement cost, without deducting depreciation.

While private flood insurance may seem like a smart option, there are a few things to consider. Firstly, it may not be available in your area, and in high-risk areas where it is available, you run the risk of higher premiums.

How much does flood insurance cost?

The average annual cost of NFIP coverage was $642 in 2018, though the exact price of flood insurance will depend on several factors, including:

  • Type of coverage (federal or private)
  • Age and build of the home
  • Location and flood zone level

Click on the map below to find out the average cost of flood insurance in your state.

Data calculated by dividing the total in-force premiums in each state by number of flood insurance policies in force in each state.

How to lower the cost of flood insurance

Because of the increase in natural disasters, flood insurance rates are on the rise. Fortunately, there are ways to reduce how much you pay for your flood insurance policy.

Whether you already have flood insurance, or you’re interested in finding a great deal as a first-time buyer, here are a few ways to reduce your costs:

Fix expensive errors in your flood insurance premium

  • Get an auditor – An auditor will help spot and correct information in your flood insurance premium that can heavily affect price like flood zone, construction date, etc.
  • Check if you’re eligible for Preferred Risk Policy (PRP) rates – This is a Standard Flood Insurance Policy that offers low-cost coverage to owners and tenants of eligible buildings located in the moderate-risk B, C and X Zones in the NFIP communities. The maximum coverage for residential buildings is $250,000 and $100,000 for contents.
  • Look into a community discount or Community Rating System (CRS) – This discount is calculated based on your community’s efforts to reduce the risk of flooding.
  • Increase your deductible – A higher deductible will lower your flood insurance premium but will also reduce your claim payment, which means you’ll cover the difference out of pocket.

Protect your property from flood damage

Building a new home or renovating yours? Here are a few ways you could help lower your flood insurance premium and reduce potential damage.

  • Relocate your home – One of the best options for protecting your home is to relocate your house to an area of your property that’s above the base flood elevation.
  • Elevation – You can save hundreds of dollars on flood insurance costs by elevating above the base flood elevation. Elevating one foot above the base flood elevation in your area can result in a 30% reduction in annual premiums, according to FEMA.
  • Utilities – Move any machinery and utilities that service your building to somewhere above the base flood elevation — such as an attic or closet.
  • Flood openings – One common reason why flood insurance policies are rated so severely is due to a lack of proper flood openings. Garage doors, windows, and doors don’t count unless they have flood openings installed within them. Installing additional flood openings, especially if you’re in a high-risk area, can help low your premiums significantly.
  • Basements – If you’re building a new home, back-filling any excavated areas within the foundation will help you save money on your insurance premium. It can also be done post-build using pea-gravel or other suitable material to raise the interior crawl space floor elevation.

The bottom line

No matter where you live, flood insurance will help you protect your home and belongings in case of a natural disaster. Now that you know the differences between homeowners and flood insurance, the different types of flood insurance and how to effectively reduce your premiums, you can confidently protect your home from flood-related damage.


Posted on May 13, 2020 at 8:07 am
Nadine Scott | Posted in Uncategorized |

EWEB to provide more than $200,000 in bill assistance in May  

EWEB to provide more than $200,000 in bill assistance in May

 

Thousands of Eugene residents are dealing with the financial strain caused by the COVID-19 pandemic and Eugene Water & Electric Board is doing its part to bring some relief. 

Beginning Friday, May 1 at 9 a.m. EWEB customers who are struggling to pay their bill can apply for a $260 credit. EWEB offers the bill assistance program year-round to customers who meet income guidelines, but in response to the coronavirus, the utility has expanded the program by more than doubling the funds available and offering the assistance to customers who are now unemployed as a result of the crisis.

The assistance program re-opens each month on the first business day at 9 a.m. and applications are accepted first-come, first-served until funds are fully allocated for the month.

Last month 1,000 EWEB customers received the bill assistance. But even with expanded funding the program was fully allocated within an hour of opening.

“Much like April, we expect the May fund will be committed very quickly due to unprecedented need,” said Anna Wade in EWEB’s Customer Solutions Office. “But EWEB will continue to do our part to help, alongside city, state and federal efforts.”

In addition to the bill assistance program, EWEB has temporarily suspended service disconnections and late fees for those who are behind on their utility bills.

“Many people are not working, but everyone still needs electricity and drinking water,” said Wade. “We’re always working hard to provide reliable, cost effective and responsive services to our customers, but the COVID-19 crisis program allows EWEB to step-up our commitment to the community when it is needed most.”

With so many local residents hit hard by the pandemic and associated business closures, EWEB expects a surge of applications when the program opens on Friday, May 1, so the utility is offering some tips to streamline the process for its customers.

First, EWEB recommends reviewing the application instructions in advance, and gathering necessary documentation. In addition to your EWEB account number, applicants should prepare proof of income eligibility or unemployment benefits. If you don’t have this documentation, you can still apply, but it will add considerable processing time.

Another tip is using the utility’s online form to apply for assistance. This will help avoid overloading the phone lines and long on-hold wait times for applicants.

If you are a senior or disabled customer, EWEB offers the additional option to apply through the mail.

You can find the Customer Care application along with additional instructions and video tutorials on the website eweb.org/assistance.


Posted on April 30, 2020 at 9:42 am
Nadine Scott | Posted in Uncategorized |

McKenzie River Chamber of Commerce

Visit the Website at:  https://www.mckenziechamber.com and  https://www.mckenziechamber.com/news/

Updates on COVID-19

Local Business Information

Events Scheduled for 2020

Cancelled Events

 


Posted on April 27, 2020 at 10:58 am
Nadine Scott | Posted in Uncategorized |

The White House is Coming HERE for a Christmas Tree

This year’s White House Christmas tree will be selected from a tree farm in Sweet Home, Oregon.

It will travel across the country and be on display in Blue River at the McKenzie Track and Field on November 11th from 10:30 am – 11:30 am. Ornaments can be purchased online to travel with the tree and be hung when it arrives at the White House. The unveiling of the tree of the year is a media event. Here is last year’s tree.


Posted on October 15, 2018 at 2:41 pm
Nadine Scott | Posted in Events |

The 7 Most Common Home Insurance Claims That Make Premiums Spike—and How to Avoid Them

by Jamie Wiebb | Realtor.com

To many homeowners, home insurance is just another bill to pay. But when disasters happen, this extra layer of protection can serve as your lifeboat—and simultaneously, your worst nightmare.

That’s because each home insurance claim, while offering financial relief in the short term, can increase the amount you pay for your premium—sometimes dramatically. So what’s a budget-conscious homeowner to do? First, you should know the most common home insurance claims—and how to avoid having to file one in the first place.

To be clear, we’re not saying you shouldn’t file a home insurance claim when you’ve suffered loss or damage—that’s what insurance is for, and you’re paying for it. But certain types of damage can be prevented or minimized, and it’s in your financial best interest to take the proactive route.

So make sure you understand how your insurance works—and how to prepare for the inevitable—because you could save yourself some major bucks.

1. Bad weather

Ask 10 home insurance agents about their most-encountered claims, and all of them will list weather near the top: Tornadoes cause tremendous structural damage. Lightning can fry your electronics—or set your house on fire.

And hail? Insurance agents hate hail. For good reason: A single hailstorm might force your insurance to pay for a new roof, siding, windows, and more.

“Hail is a rough thing on insurance because it hits entire neighborhoods,” says Bob Buckel, a vice president and product manager at Erie Insurance. “And there’s not a lot you can do to prevent hail losses.”

How to prevent it: Properly maintaining your roof and siding won’t prevent a hailstorm, but it can lessen the damage when one happens—and thus decrease the insurance payout.

2. Plumbing failures

Water damage is another common insurance claim—and most of the destruction isn’t caused by rain.

“Most of the time [water damage] means a failure of a plumbing system in your home,” Buckel says. An average 2.5-bathroom home has 13 faucets or water sources, he adds—”and each one is susceptible to breaking.”

How to prevent it: You’ll need to do a little regular upkeep. Are there any leaky faucets or curious puddles on the floor? Check them out, and fix any associated problems. Immediately.

“Sometimes, everything is done properly during installation, but the homeowner neglects routine maintenance such as inspecting and repairing grout and caulk, removing clumps of hair from a shower drain, or checking and replacing water supply lines for appliances,” says Scott Congiusti, the assistant vice president of claims for HUB International.

But plumbing problems plague perfectly maintained homes, too.

“A clogged toilet, sink left running, and an overloaded washing machine can all be easily prevented, but it is not always easy with guests, small children, or domestic staff present in the household,” Congiusti says. “You can minimize, but never eliminate, human error.”

3. Fires

In terms of stress and expense, a house fire is, perhaps unsurprisingly, one of the worst home insurance claims. Unlike hail or wind damage, it’s not simply a matter of replacing roof or siding. Often it means moving out, living temporarily in a rental, and rebuilding a room—or even the whole house.

“The colder the winter, the more fires we see,” Buckel says. “People start supplementing their heating with a wood-burning stove, and we see a lot of claims coming out of those.”

How to prevent it: To avoid a house fire (and the associated damage), have your chimney inspected and regularly cleaned, and be alert for any fire risks around the home, such as space heaters or overloaded extension cords.

4. Washer hoses

It’s easy to forget about these hoses tucked behind your washing machine, but poor maintenance could lead to an expensive insurance claim—especially if your washer and dryer aren’t located in a basement.

“Washer hoses breaking in the basement is one thing, because there’s usually a drain there,” Buckel says. “But imagine one breaking in the second-floor laundry room.”

This dramatic failure could lead to what Buckel calls “significant claims”: up to six-figure losses.

How to prevent it: Regularly check and replace your hoses (at least every five years) to keep your washer from flooding the house.

5. Flooding

While your home insurance should cover any home-related water damage from plumbing leaks, flooding caused by external forces —like an overflowing river—is typically not included in your regular home insurance plan.

“It’s a nationwide problem,” Buckel says.

Indeed: In 2016, only 12% of American homeowners had flood insurance.

“People think, ‘Oh well, I have to live in a flood zone to get flood insurance,'” Buckel says. “But 25% of all flood claims come from properties outside of a flood zone.”

How to prevent it: If there are any major bodies of water nearby—even if your home doesn’t technically fall in a flood zone (check here)—consider speaking with an agent. It’s better to be covered in case of disaster than to lose everything.

6. Service line breakages

You might not spend a lot of time thinking about your service lines—those large, in-ground pipes that swoop away your sewage and supply must-haves like water and gas—but if one breaks, you won’t be able to think of anything else. And these guys are surprisingly fragile: All you need is one rogue tree root breaking through the piping to screw up your month.

Many insurance companies won’t cover that unless you have a specific endorsement (an addition to your contract expanding the scope of coverage), Buckel says. “And these problems are expensive. You often have to dig up the line and then replace it. That claim could be more than $6,000.”

How to prevent it: Get regular sewer scopes to ensure the line stays clean, and pay attention to any water seepage in your yard that could indicate a problem with your water lines. Talk to your insurance agent to make sure you’re covered in case your lines go haywire. Otherwise, you could be in for a huge financial surprise.

7. Personal liabilities

Ever heard the one about someone tripping on a home’s walkway and then suing the owners for all they’re worth? These kinds of claims are surprisingly common, experts say. And while your insurance might cover the cost of the lawsuit, a single personal liability claim can increase your premiums for years.

“A family friend of 20-plus years that slips on an icy walkway can turn into years of torment, all because of the myth that, ‘It’s not you I’m suing, it’s the insurance company,'” Congiusti says. “Well, when it’s time to renew a homeowners policy, you may not feel that way when a large claim payment limits your choices.”

How to prevent it: Sidewalks contribute to a lot of these injury claims—as do trampolines and pools. Pay careful attention whenever your pool or trampoline are in use, and make sure sidewalks are clear and any tripping hazards around the home have been removed.


Posted on October 9, 2018 at 1:34 pm
Nadine Scott | Posted in Real Estate |

Belknap Springs + lots of other fun in the area

See the source image

Belknap Hot Springs is good reason for a day trip from Eugene, but are you aware of other attractions in the general vicinity that are also possibly of interest? Belknap’s website lists these as additional reasons to visit:

  • Sightseeing: Visit nearby lava beds at the base of the Three Sisters Mountains, waterfalls, mountain vistas, etc.
    Biking: Many trails are good for mountain biking, including the 26 mile McKenzie River Trail.
    Hiking: Myriads of trails nearby and in the high country, from nature trails to wilderness challenges.
    • Golf at the famous Tokatee Golf Club just 8 miles away — one of the highest rated public golf courses in the country.
    • Deer and Elk hunting in season.
    • Enjoy beautiful autumn foliage!
    • Unique shopping at Christmas Treasures.
    Skiing at Hoodoo Ski Bowl just 30 miles away plus many cross country ski trails.
    • Hiking and Biking the lower trails all winter, including the McKenzie River Trail.
    Fishing in the lower river, the lakes and reservoirs year round.

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Posted on September 28, 2018 at 4:01 pm
Nadine Scott | Posted in Explore the McKenzie |

McKenzie River Home Design Ideas

by Houzz

Find inspiration for your home on the McKenzie River either through style concepts or to remodel your existing riverfront home. This is a sample of attractive designs you might enjoy from houzz.com.

 

Deck - contemporary deck idea in Other

 

Deck – contemporary deck idea in Other
Cable Railing Example. Would like the wood finish to match the awing. – ambercpa

Example of a trendy wooden u-shaped open staircase design in Other

 

Example of a trendy wooden u-shaped open staircase design in Other
Lower divide could be used in loft. – pethle

Deck - contemporary deck idea in Other

 

Deck – contemporary deck idea in Other
Cable Railing Example. Would like the wood finish to match the awing. – ambercpa

Example of a trendy wooden u-shaped open staircase design in Other

 

Example of a trendy wooden u-shaped open staircase design in Other
Lower divide could be used in loft. – pethle

 
Award-winning Architect and AIA/Fellow in Eugene, OR
 
Sponsored

This house and guest house design fits the rolling Hill Country site it commands along the Blanco River in Texas. The somewhat triangular shape of the site grows wider towards the limestone-based river that arcs through the hills. Every space in the house naturally wanted a view of the river and the forest hills beyond. To achieve this, the house arcs to fit the site, expanding the view and personalizing each space’s relationship to the water and woods, as each view is slightly different. Materials and colors in the house reflect the site: limestone, olive (which matches the water!) stained concrete floors, wood of reminiscent of the woods, and the complementary silvery permanence of galvanized steel. The 3-layered complex (rendered in stone+metal+glass) is approached downhill from the west through a break in a limestone wall between the main house and the guest house. Upon crossing this threshold, visitors are drawn into the mutually compatible relationship between building and site,

Example of a trendy two-story mixed siding exterior home design in Other

 

Example of a trendy two-story mixed siding exterior home design in Other
Example of ramp to entrance….no stairs. – krichter3320

Inspiration for a large contemporary l-shaped slate floor eat-in kitchen remodel in Other with an undermount sink, flat-panel cabinets, medium tone wood cabinets, granite countertops, multicolored backsplash, stainless steel appliances and an island

 

Adam Pitchie
Inspiration for a large contemporary l-shaped slate floor eat-in kitchen remodel in Other with an undermount sink, flat-panel cabinets, medium tone wood cabinets, granite countertops, multicolored backsplash, stainless steel appliances and an island

Example of a large trendy master multicolored tile slate floor bathroom design in Other with an undermount sink, granite countertops, a two-piece toilet and gray walls

 

Adam Pitchie
Example of a large trendy master multicolored tile slate floor bathroom design in Other with an undermount sink, granite countertops, a two-piece toilet and gray walls
i like the tile back splash. Are the counters granite? – photocooperk14

Eugene’s Full-Service Residential Architect
 
Example of a large trendy l-shaped slate floor eat-in kitchen design in Other with an undermount sink, raised-panel cabinets, medium tone wood cabinets, granite countertops, multicolored backsplash, stainless steel appliances and an island
 

Adam Pitchie
Example of a large trendy l-shaped slate floor eat-in kitchen design in Other with an undermount sink, raised-panel cabinets, medium tone wood cabinets, granite countertops, multicolored backsplash, stainless steel appliances and an island
Windows! In the kitchen – gggal


Posted on September 24, 2018 at 11:43 am
Nadine Scott | Posted in Move to a Place that Moves You |

Ready for a Mushroom Gathering Adventure?

Information gathered from Willamette National Forest Service website

Personal (Incidental/Non-Commercial) Use

No permit or fee is required for quantities less than one gallon (per person, per day) unless you are collecting matsutakes.

black and brown mushroom beside grass

If collecting more than a gallon – even if only for personal use – a permit is required. Obtain the permit from the office closest to where you plan to harvest: See ranger station locations here.
Mushrooms gathered under incidental harvest are for personal use only and all mushrooms collected must be cut in half. Selling or exchanging mushrooms gathered incidentally is a violation of Federal Regulations (Title 36 CFR 261.6F), punishable by a fine of not more than $5,000 or imprisonment for not more than 6 months, or both.

A mushroom permit issued from any of the following four forests is valid on all four forests.

  • Deschutes National Forest
  • Fremont-Winema National Forests
  • Umpqua National Forest
  • Willamette National Forest

Commercial Use

Mushrooms collected for the purpose of selling require the purchase of a commercial use permit. Commercial permits (for mushrooms other than matsutakes) are available throughout the year. Permits can be purchased using cash, check or credit card.

The 2017 Matsutake Season opens September 5 and runs through November 5, 2017. Anyone harvesting Matsutake mushrooms on National Forest land must purchase a commercial harvest permit. Click here for details

Mushroom Etiquette

  • Tread lightly while searching for mushrooms
  • Replace soil disturbed while collecting
  • No raking or digging with shovels
  • Collect mushrooms only in permissible area
  • Harvesting mushrooms is not permitted in the following designated sensitive areas: Wilderness areas, botanical areas, scenic areas, and research areas.

WARNING: Many edible mushrooms have poisonous look-a-likes. Be certain of what you’re picking before consuming.

Details on forest products permits and regulations

 


Posted on September 12, 2018 at 3:33 pm
Nadine Scott | Posted in Explore the McKenzie |

Paradise Campground has a lot to Offer

by US Forest Service

photo by Paul Allen

Overview

Paradise Campground is indeed a paradise for campers. Tucked within a lush, old-growth forest of Douglas fir and western red cedar, the area portrays a sub-tropical vibe along the banks of the McKenzie River, where catch-and-release trout and steelhead fishing is a popular activity, along with whitewater rafting and kayaking.

Natural Features:

Paradise sits on a bend of the river at an elevation of 1,600 feet. Ferns and other moisture loving plants cover the ground, and mosses drape the trees. The campground is in the heart of Willamette National Forest, which spans 1.6 million acres on the western slopes of the Cascade Range.

Recreation:

Rafters and kayakers live it up in the whitewater of the McKenzie River. A boat ramp is located on-site.

The McKenzie River National Recreation Trail begins nearby, and is a favorite among hikers and mountain bikers.

Facilities:

A number of sites face the river, while many others are tucked into the scenic forest. Flush toilets are dispersed throughout the campground and parking spurs are paved. Educational programs are provided at the amphitheater.

Nearby Attractions:

A golf course is located about 7 miles west of the campground.

Activities and Amenities

Within Facility
  • Amphitheater
  • Biking
  • Boat Ramp
  • Campfire Rings
  • Drinking Water
  • Fishing
  • Flush Toilets
  • Hiking
  • Host
  • Kayaking
  • Picnic Area
  • River Access
  • Vault Toilets
  • Whitewater Rafting
Know Before You Go
  • Be bear aware; keep all food out of sight in approved containers or locked inside your vehicle and remove all food from the area after eating
  • No electric hookups at this facility
  • This campground has first-come, first-served sites
  • A fee will be charged for additional vehicles
  • No firearms, fireworks or chainsaws allowed
  • For more information on Willamette National Forest, click here
  • Don’t Move Firewood: Please protect Pacific Northwest forests by preventing the spread of invasive species. Firewood can carry insects and diseases that can threaten the health of our western forests. You can make a difference by obtaining and burning your firewood near your camping destination. Visit Dontmovefirewood.org for further information.

Getting There:

GPS Info. (Latitude, Longitude):
44.18611, -122.09611
44°11’10″N, 122°5’46″W

From Eugene, Oregon, take I-105 east to McKenzie Highway 126 and drive 55 miles to McKenzie Bridge. The campground is located on the left side of Highway, 5 miles beyond McKenzie Bridge.

Contact Information:

Mailing Address:

PARADISE IN OREGON

Blue River  OR

Phone Number:

Information:  (801)226-3564


Posted on September 5, 2018 at 11:27 am
Nadine Scott | Posted in Explore the McKenzie |