#home insurance in Queens and Brooklyn

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Guidelines For Purchasing Auto Insurance in Massapequa and Brooklyn, NY

Most states across The United States of America have mandated purchasing auto insurance coverage for a self-owned automobile. Trying to drive without the required insurance is an offense that is punishable by law. Sure, one may buy the minimum or the basic coverage, but such a move is not recommended. There are many risks that one encounters on the road. The best way to remain financially well protected is to consider investing in the required coverage that often exceeds the basic policy. The premium is likely to be relatively inexpensive. It certainly helps to check the helpful tips related to auto insurance in Massapequa and Brooklyn, NY, before spending money on the insurance policy. ​ First and foremost, a car owner needs to be clear about the following facts before proceeding with insurance shopping:

· Finding out the type of auto insurance that is mandatory and others that are optional

· Having the information related to the vehicle as well as personal information handy

· Obtaining insurance details from a minimum of three auto insurance carriers will help to get a good deal

· It helps to compare all facts, including coverage, the limits, and premium amount, to make the right decision

· Purchasing the required auto insurance must be done after double-checking the particulars of the preferred policy

· Cancelling an old policy is mandatory after the new policy is purchased

One may go ahead and buy the policy online after shopping for appropriate coverage. Unfortunately, the car owner cannot clear the doubts and has to buy the policy unquestioningly based on limited information. The auto owner may approach a captive insurance company with the same intention as well. Again, this is hardly the ideal situation. The concerned agent will work for a single company and not provide comparative quotes from competitors. Purchasing auto insurance from an independent agent is the most preferred practice, however. The prospective insurance holder will not only get information about multiple companies and get to compare their quotes, but the agent will be concerned about the insurance buyer’s advantage instead of favoring the insurer.

Best Time To Buy Car Insurance Driving without the right insurance coverage is a strict no-no. An individual must make sure to be covered by auto insurance in the following circumstances:-

· Before buying or leasing an automobile to drive it

· When one is a new driver’s license holder without being covered by the employer’s policy · Updating the existing auto insurance policy is essential when there is a major change in life, such as marriage, relocation, or a child attaining adulthood

· It is essential to check the state laws before investing in a vehicle. A few states need drivers to show insurance proof before automobile registration.

The auto owner may feel more confident by adding collision, comprehensive, and gap insurance to the basic coverage. This will help one to remain protected from multiple risks when driving.

It is equally essential to safeguard one’s home in the event of a disaster. Buying home insurance in Queens and Brooklyn, NY, will enable one to remain protected financially. 

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How to Find Affordable Mental Health Care in New York

Mental health is a vital aspect of overall well-being, but for many people, accessing affordable mental health care can feel like a daunting challenge, especially in a bustling city like New York. However, affordable options do exist, whether through low-cost services, insurance coverage, or community resources. In this blog, we’ll explore practical ways to find affordable mental health care in New York, helping you prioritize your mental health without breaking the bank.

Why Mental Health Care Is Important

Our mental and emotional well-being are all influenced by our social, emotional, and psychological well-being. It plays a key role in managing stress, building relationships, and making important life decisions. Untreated mental health issues like anxiety, depression, and post-traumatic stress disorder (PTSD) can result in worse health issues and a lower quality of life. Seeking mental health care is an essential step in achieving balance and improving overall well-being.

New York’s Expensive Mental Health Care

1. Utilize Health Insurance for Mental Health Care Most health insurance plans cover Mental health Care New York, often with minimal out-of-pocket expenses. Under the Affordable Care Act, mental health services are considered essential benefits, meaning insurance providers are required to offer some level of coverage for mental health care.

Check Your Insurance Plan: Review your health insurance plan to understand what Mental health Care New York are covered, and whether you need a referral from your primary care doctor. Plans often cover therapy sessions, psychiatric evaluations, and sometimes even virtual counseling.

In-Network Providers: To lower costs, seek out mental health professionals who are within your insurance network. Using in-network providers ensures that you get the maximum benefit from your insurance coverage.

For those looking for affordable options, Go Intelligent Health is a trusted provider of healthcare services in New York. Check to see if they take insurance and provide a variety of payment options.

2. Explore Sliding Scale Clinics

Sliding scale clinics are a great resource for those who need mental health care but cannot afford standard rates. These clinics base their fees on your income level, ensuring that individuals from different economic backgrounds can receive the care they need.

Federally Qualified Health Centers (FQHCs): New York is home to several FQHCs that provide mental health services at reduced costs based on your ability to pay. These centers can be found in a number of boroughs, including the Bronx, Manhattan, Brooklyn, and Queens.

Community Mental Health Clinics: Many community-based clinics also offer sliding scale services, providing counseling and therapy sessions at a fraction of the usual cost. These clinics often collaborate with licensed social workers, psychologists, and therapists to offer affordable care.

3. Look for Online Therapy Platforms

In recent years, online therapy has become a more accessible and affordable way to receive mental health support. Virtual therapy platforms often offer lower prices compared to traditional face-to-face sessions, while still providing professional, licensed care.

Online Counseling Services: Many websites and apps offer subscription-based online therapy, providing access to licensed counselors and therapists through chat, phone calls, or video sessions. These platforms often charge significantly less than in-person therapy sessions, with some offering sliding scale pricing or discounts based on financial need.

Some affordable options to consider include platforms like Better Help or Talk space, which cater to individuals seeking mental health care in New York. Be sure to explore options like Go Intelligent Health, which also provides health services through accessible digital platforms.

4. Consider Mental Health Support Groups

If you’re not ready for individual therapy or want additional support, mental health support groups can be a valuable resource. These groups bring together individuals facing similar challenges, offering peer support and coping strategies in a safe environment.

Free or Low-Cost Support Groups: Many organizations in New York offer free or low-cost support groups for issues such as depression, anxiety, grief, or addiction. While support groups are not a replacement for therapy, they can be an important supplement, providing emotional support and fostering a sense of community.

5. Seek Low-Cost Therapy Training Institutes

Training institutes where graduate students or residents are learning to become licensed therapists often offer low-cost or free therapy sessions. These therapists-in-training are supervised by experienced professionals, ensuring quality care at a fraction of the cost.

University Counseling Centers: Many universities and colleges in New York offer affordable therapy services through their psychology or counseling departments. Uninsured or underinsured individuals especially benefit from this.

Psychoanalytic Training Institutes: Some institutes offer psychoanalytic therapy at reduced rates. These therapies can be particularly helpful for those dealing with deep-rooted emotional or psychological issues.

6. Make use of EAPs, which are employee assistance programs.

Many employers in New York offer Employee Assistance Programs (EAPs), which provide free and confidential assessments, short-term counseling, and referrals to additional services. If your employer provides this benefit, EAPs are a great way to get Mental health Care New York. These programs often cover not just the employee but their family members as well.

Free Counseling Sessions: EAPs typically include a set number of free counseling sessions (e.g., 3 to 6 sessions). After these, the counselor may refer you to long-term care if needed.

7. Consider Medicaid or Medicare

If you are eligible, both Medicaid and Medicare offer comprehensive coverage for mental health services, including therapy, psychiatric visits, and medication. Medicare is for people over 65 or with certain disabilities, while Medicaid is a state and federally funded program for low-income individuals.

Apply for Medicaid: In New York, Medicaid covers many mental health services, often with little to no out-of-pocket cost. You can apply online or at a local Department of Social Services office.

Medicare for Seniors: Seniors in New York can take advantage of Medicare, which covers mental health services like therapy and psychiatric evaluations. Many providers accept Medicare, so be sure to ask about coverage options.

8. Community and Non-Profit Organizations

Numerous non-profits in New York provide affordable or free mental health care services, especially for marginalized or low-income communities.

Non-Profit Mental Health Clinics: Many non-profits, such as the National Alliance on Mental Illness (NAMI), offer free counseling, helplines, and group support for various mental health conditions.

Community Centers: Local community centers often offer counseling services, workshops, and support groups at little or no cost to residents.

Final Thoughts: Affordable Mental Health Care Is Within Reach Finding affordable mental health care in New York may seem overwhelming, but there are numerous options available, from sliding scale clinics and online therapy to community resources and non-profits. Whether you are insured or uninsured, low-cost and accessible care is possible.

If you’re looking for a reliable health care provider in New York, consider Go Intelligent Health, which offers comprehensive and affordable mental health services. Visit www.gointelligenthealth.com for more information on how they can help you on your journey to better mental health.

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What Should I Look for Hiring a Roofing Contractor in New York?

When it comes to hiring a roofing contractor in New York, it’s essential to choose a reliable and reputable professional to ensure the safety and longevity of your roof. When choosing a roofing contractor, keep the following important aspects in mind:

Knowledge and Skill: Look for a roofing contractor in New York with years of experience and a proven track record of successful projects. They should be knowledgeable about different roofing materials and techniques to handle any roofing issue.

Insurance and Licensing: Ensure that the roofing contractor in New York is licensed and insured to work. If there are mishaps or damages throughout the project, this safeguards you from obligation.

Reputation and References: Examine online opinions and get recommendations from previous customers. A reputable roofing contractor will have positive feedback and satisfied customers.

Written Estimates: Obtain written estimates from several roofing contractors in New York before making a decision. Compare prices and services to find the best value for your money.

Material Quality: Ensure that the roofing contractor uses high-quality materials that are suitable for your roof. They should be able to explain the differences between materials and recommend the best option for your needs.

24-Hour Emergency Services: Consider hiring a roofing contractor in New York that offers 24-hour emergency roofing services. This can be crucial in case of sudden roofing issues that require immediate attention.

So, when hiring a roofing contractor in New York, it’s crucial to prioritize experience, reputation, and reliability to ensure the success of your roofing project. G. Keith Roofing and Waterproofing stands out as a trusted general roofing contractor serving the New York City boroughs, including the Bronx, Brooklyn, Manhattan, Queens, and Staten Island areas. For all your roofing needs, trust G. Keith Roofing and Waterproofing to deliver quality results and peace of mind.

Additionally, for those in need of hail damage repair services in New York, G. Keith Roofing and Waterproofing provides specialized solutions to address the aftermath of severe weather events. With a focus on prompt response and thorough assessment, our hail damage services ensure that your roof is restored to its optimal condition, protecting your home from further damage. Click here to learn more about our Hail Damage Services and contact us.

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A Comprehensive Guide to Dumpster Rentals in New York

Introduction: New York, the city that never sleeps, is bustling with activity day and night. From towering skyscrapers to vibrant neighborhoods, the city is constantly evolving. With such dynamism comes the need for efficient waste management solutions. Whether you're renovating your apartment in Brooklyn, decluttering your loft in Manhattan, or undertaking a construction project in Queens, dumpster rentals offer a convenient solution to handle waste disposal in the Big Apple.

In this guide, we'll explore the ins and outs of dumpster rentals in New York, providing you with essential information to make informed decisions and streamline your waste management process.

Understanding Dumpster Rentals: Dumpster rentals provide individuals and businesses with a convenient way to dispose of large volumes of waste. Whether it's construction debris, household junk, or commercial waste, dumpsters come in various sizes to accommodate different needs.

Factors to Consider:

Size: Dumpster sizes range from small 10-yard containers suitable for residential projects to large 40-yard dumpsters for extensive construction sites. Assess the amount of waste you anticipate generating to determine the appropriate size for your project.

Location: In a densely populated city like New York, space can be a premium. Consider the placement of the dumpster, ensuring it complies with local regulations and doesn't obstruct pedestrian walkways or traffic flow.

Duration: Determine how long you'll need the dumpster. Rental periods typically range from a few days to several weeks, depending on the duration of your project.

Permits: Depending on where you plan to place the dumpster, you may need permits from the city or building management. Be sure to check local regulations to avoid any potential fines or penalties.

Cost: Dumpster rental costs vary based on factors such as size, duration, and location. Get quotes from multiple rental companies to compare prices and find the best deal for your budget.

Finding a Reliable Rental Company: With numerous dumpster rental companies operating in New York, choosing the right one can seem daunting. Here are some tips to help you find a reliable provider:

Read Reviews: Look for reviews and testimonials from previous customers to gauge the company's reputation and reliability.

Check Licensing and Insurance: Ensure that the rental company is licensed and insured to operate in New York. This protects you from liability in case of accidents or property damage.

Ask About Services: In addition to dumpster rental, inquire about additional services such as delivery, pickup, and waste disposal. A full-service provider can streamline the process and save you time and effort.

Customer Support: Choose a company that offers responsive customer support to address any concerns or issues that may arise during your rental period.

Environmental Practices: Consider rental companies that prioritize environmentally friendly waste disposal methods, such as recycling and proper waste management practices.

Conclusion:

Dumpster rentals play a vital role in managing waste efficiently, especially in a bustling metropolis like New York. By understanding the factors to consider and choosing a reliable rental company, you can streamline your waste disposal process and contribute to a cleaner, more sustainable cityscape. Among the array of options available, consider TeamDumpster, renowned as one of the best dumpster rental companies in New York, for their reliable service and commitment to customer satisfaction. Whether you're tackling a home renovation project, cleaning out your office space, or overseeing a construction site, renting a dumpster provides a convenient solution to handle waste disposal with ease. Take the time to research your options, plan accordingly, and make the most of dumpster rentals in New York City.

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32 Tips For Finding Pressure Washing Companies Near Me

Professional pressure washing services provide an effective way to renew surfaces like driveways, patios, and sidewalks that can become discolored by oil spots, mildew, and mold. Having a clean home can also boost its curb appeal and improve its resale value, making it an investment that pays off in the long run.

Whether you are looking to hire a professional to pressure wash your house or would like to start your own business, there are several ways to find new customers and grow your pressure washing companies near me. Read on to discover 32 tips for finding commercial contracts, landing residential jobs, and growing your small business.

The cost of pressure washing a home depends on the size of the area to be cleaned, the amount of dirt and debris that needs to be removed, and the extent of the work required to accomplish the cleaning. Some companies quote their pricing based on the square footage of the home or structure, while others use a flat rate for all residential jobs regardless of size or complexity. In either case, a thorough job should take an average of four hours per 1,500-square-foot home.

Power washing is an excellent solution to a dirty house, but it’s important to hire a qualified and experienced contractor to avoid damage. Professionals know how to properly adjust the power settings of their washers to avoid etching or harming delicate surfaces, such as cedar, or causing water damage around windows. They also know what types of detergents, water pressure, and nozzles will work best for each surface type and condition.

If you have a large exterior space that needs to be cleaned, you may want to hire a professional team that offers multiple services in addition to pressure washing, such as painting or staining. These additional services can save you time and money by allowing you to get everything done at once instead of scheduling multiple appointments.

Many people choose to have their homes pressure washed in the spring, but there is no one-size-fits-all answer for when to have a home cleaned. Pressure washing can benefit your property year-round, especially if you have oil spots from leaky vehicles or a roof with moss and mildew growth.

It’s also an excellent idea to have your home pressure washed before you put it on the market or schedule a pre-purchase inspection, as this can help increase its resale value. In addition, a home that is regularly pressure washed can prevent its paint from flaking and peeling, ensuring it retains its beauty for longer. To learn more about the benefits of having your home professionally pressure washed, contact us at Mike’s Power Washing. We are a family-owned and operated NYC, Queens, Brooklyn, Staten Island, and The Bronx pressure washing company that is fully licensed, insured, and bonded to ensure your peace of mind. Our professional and reliable technicians will use high quality, eco-friendly, bio-degradable, and green cleaning solutions to thoroughly clean every inch of your property and restore its natural beauty.

Pristine Group Cleaning provides unrivaled quality cleaning services to Houses, Apartments, Townhouses, Estates, and Small Offices throughout Sydney. Hire our professional cleaning services in Sydney and transform the entire look and feel of your place with us! We are ready to sweep off your feet with cleaning services in Sydney. We are passionate about our work and keep up with technology and progress.

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Select a Proper Home Care in Gaur city 5th Avenue

Whether your adored one needs in-home non-medical mind or simply help with tasks around the house, you need to guarantee that the home care agency you permit into the house is trustworthy and reliable. In-home assist services can be temporary or changeless relying upon your adored one's needs. Home care is the service given to somebody who can never again take care of their own needs. Senior in home care Greater Noida needs caring and those having failing health because of ailment or changing conditions in their way of life. This sort of service is given in-home to ensure that you or your adored one is all around visited while as yet playing out the activities of everyday living. Gaur City 4th Avenue Floor Plan / Gaur city 5th avenue Floor Plan / Gaur City 7th Avenue Floor Plan / Gaur Saundaryam Floor Plan

Though hiring a private individual is an alternative, it is ideal to employ a home care agency that offers the additional genuine peace-of-mind you have to leave your adored one being taken care of by an outsider. Prior to choosing any organization, consider a couple of these tips to guarantee the agency you hire is not just reliable yet reputable also. Medicare, Not all home care agencies are secured with Medicare. Consequently, if your cherished one depends on the health benefits of Medicare you will need to call and ensure the organization is a registered provider. A registered agency will meet every government necessity for safety and health when thinking about people inside their home.

Employee Screening, Because an organization has a decent reputation does not mean it practices due steadiness while hiring workers. Ask the home care organization how it screens its workers and request references for the caregiver that would give services to your adored one. Nature of Care, The nature of care your loved one gets ought to be absolutely critical. All things considered, you are hiring best home care agency in Greater Noida to send a caregiver to think about your cherished one when you ca not. In this way, you need that person to treat your loved one appropriately and meet all of her needs. Get some information about its procedure for assigning a particular caregiver to a customer, and if there is any preparation required before representatives are permitted to work.

Committed to maintaining a safe and clean home for their clients, Polish Home Service is Greater Noida's leading house cleaning and home care service provider. We're licensed, insured and bonded company and have been serving Williamsburg, Green point, Manhattan, Queens, Brooklyn, and more. We have been growing very quickly and are enjoying working and growing our business within the local area. Our responsible, experienced employees are members of the local community, familiar with the resources available in your area. Our attention to detail has our customers returning to us year after year.

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How to Find Flood Restoration Companies Near Me

When a homeowner experiences water damage, they need to act fast to minimize the effects. Water damage restoration companies can help with emergency flooding situations, burst pipes, and other types of water damage. In addition to providing water cleanup, they can also repair and restore damaged furnishings, fixtures, and other items in a home or business. When choosing a company to hire, there are several factors that homeowners should consider including availability, scheduling, customer service, certifications, and more. flood restoration companies near me

In the event of a flood, it is important to hire a water damage restoration company that is available 24/7. This will ensure that a crew can be dispatched to the site as soon as possible, which will help to prevent further damage to property and reduce the cost of repair. Additionally, it is essential to choose a water restoration company that has experience in dealing with different types of water damage, such as sewer backups and flooded basements.

The best way to find a flood restoration company near me is by searching online for “water damage restoration”. Once a list of local businesses has been narrowed down, it’s essential to look at each company’s website to understand their services, pricing, and policies. It’s also a good idea to check out reviews from previous customers.

A reliable water damage restoration company will have the equipment and training to clean up, dry, and sanitize affected areas. They should be able to provide customers with a detailed assessment of the damage and a comprehensive estimate that includes material and labor costs. They should also be able to coordinate with insurance providers to simplify the process.

When choosing a water restoration company, homeowners should look for one that is licensed and insured. They should also check for certifications from the Institute of Inspection, Cleaning, and Restoration Certification (IICRC). IICRC certifications are available for professionals in a variety of categories, such as applied structural drying technician, senior carpet inspector, and mold remediation technician.

Water damage restoration companies should be able to handle all types of water damage, from simple flooding to severe mold and bacteria growth. They should be able to clean and sanitize affected areas, repair and restore items that were damaged, and assist with filing an insurance claim if necessary. They should also be able to offer advice on how to prevent future damage from occurring.

CityWide Sewer & Drain provides emergency water and flood damage clean-up services in Manhattan, Brooklyn, Queens, and all of Long Island (Nassau and Suffolk County). They can help with issues like plumbing leaks, toilet overflows, roof leaks, burst pipes, and more. Their team is available 24 hours a day to respond to any emergency and can address both residential and commercial water damage. They can also handle sewer backups, as well as odor control and mold remediation. They are certified by the Institute of Inspection, Cleaning, and Restoration, and are fully licensed and insured. They also offer free estimates and can provide emergency repairs, as needed.

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Community Access Care

For many people, going out and about is a normal part of life. However, for those who need assistance with community access, it can be challenging.

Access specialists work to address these barriers by focusing on the social determinants of health. They also provide culturally appropriate care through interpreters.

What are the Benefits of Community Access Care?

A community access care center is a non-profit program that provides information and assistance to consumers with disabilities. It operates under a philosophy of consumer control, in which individuals with disabilities direct the organization’s operations and policies. Typical services include providing access to medical, dental, and mental health care; insurance (Medicare or Medicaid enrollment); translation and transportation services; and housing, food, and education. Community Access Centers are also known as Centers for Independent Living. CAC is a member of the California Association of Community Access Centers.

How Can I Get Community Access Care?

Community Access is one of the largest and longest-standing New York State Department of Health (NYSDOH) approved Case & Care Management providers, serving participants across the Bronx, Manhattan, Queens & Brooklyn. Our caring staff are available 24 hours a day to help participants stay healthy, independent and connected to quality social, home and medical services. Do you have the skills and life experiences to join our team? Please click here to learn more about our rewarding career opportunities.

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Brooklyn Divorce Lawyer and Family Attorney - Solomos & Storms, PLLC

What Makes a Good Divorce Attorney in Brooklyn?

If you are getting divorced in Brooklyn, NY, it it critical to select the right divorce attorney.  You will want an attorney who:

i) is experienced in both matrimonial law and family law, 

ii) has business litigation experience,

iii) has trial experience,

iv) has appellate court experience.

Divorce cases can be complex and require an attorney to have a sound understanding of business litigation.  This is particularly true when a spouse owns a business.  Often times, a spouse will attempt to underreport income in an effort to reduce a settlement.  You want an attorney who understands business financials and can determine if a spouse is hiding assets or income.

What Happens in a Brooklyn Divorce Case?

Divorce court is where couples go to terminate their marriage.  A Judge will determine what property is Marital Property and how the property should be distributed in a process called Equitable Distribution.

Brooklyn Divorce Lawyers have substantial experience with divorce cases involving Marital Property that must be distributed during the divorce.

What Type of Property is Subject to Equitable Distribution in a Divorce?

The Marital Home May Be Subject to Equitable Distribution.

All property that is deemed Marital Property by the court will be subject to Equitable Distribution.  In sum cases, there may be a dispute regarding whether or not an asset is Marital Property, such as property acquired after the parties were separated.  Generally, property purchased prior to the marriage will be considered Separate Property and not subject to Equitable Distribution.  However, appreciation in the value of  property may be subject to Equitable Distribution, even if the property was acquired prior to the marriage.  The court will need to make a ruling on the matter if there is a dispute between the parties.

In addition, gifts, inheritances, and personal injury awards are deemed Separate Property. 

A motorcycle that you inherited would be Separate Property.

Do I have to Continue Paying a Car Lease or Mortgage During the Divorce?

Yes, you are required to continue paying for car leases, mortgage payments, health insurance and other items during the divorce.  When the divorce is filed Automatic Orders require that both spouses continue paying for assets until the divorce is finalized. 

Health Insurance Must Be Maintained During the Divorce.

Can My Spouse Take a Share of My Retirement?

Your Spouse Will Be Entitled to a Portion of Your Retirement Acquired During the Marriage.

In most cases your spouse will be entitled to half of your retirement and pension account contributions that you made during the marriage — up to the point that the divorce was filed.  Filing for divorce serves as a cutoff, and any contributions made after are not subject to Equitable Distribution. 

Are Appraisals Required in a Divorce Case?

An Appraisal May Be Required to Value Marital Property.

An appraiser may be required to appraise certain Marital Property prior to Equitable Distribution, such as property, vehicles, boats, and other assets.

How do Settlement Agreements Work?

A Settlement Agreement Can Save Time and Money in a Divorce.

In many instances a Settlement Agreement can save the parties substantial time and money in a divorce case.  The reason is that the parties resolve the issues on their own and do not have to attend hearings and have the Judge determine the issue. 

What is a Divorce Trial Like?

If your case does not settle, the parties will go to trial.  At trial evidence and witnesses are presented to prove disputed issues.  Such as child custody disputes, income disputes, request for maintenance (“alimony”), and other matters.

  Solomos and Storms, PLLC

📍 : 33-08 Broadway, Queens, NY 11106

📞 : (718) 278 - 5900

📧 : jimmy@solomosstorms.com

🌎 : https://solomosstorms.com/

🕘 :  Mon. - Fri. 9 am - 5 pm

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Reasons To Buy More Coverage of Auto Insurance in Massapequa and Deer Park, NY

Operating a business as a contractor or an individual worker can be risky. The extent of financial risks is accentuated when one has to carry essential tools and other self-owned products to a distant site. No worries! The said worker can always buy builders risk insurance in Farmingdale and Queens, NY, to mitigate the financial losses that may be hard to cover. ​ This special type of property insurance covers all unforeseen incidents resulting in financial risks. While the coverage is often used to remain protected when a construction project is on, the details may seem to perplex the insured. Forgoing to carry this insurance can be disastrous in financial terms. The insurance can be safely likened to the backbone of a construction project that requires protection every step of the way.

Sure, business owners, especially those in the construction industry, are eager to know whether this insurance coverage applies to them. It suffices to know that any individual engaged in construction projects regularly will consider such insurance coverage to be indispensable. People who belong to any of the following categories must buy the requisite builders' risk insurance coverage:

· Property owner · General contractor · Subcontractor · Investor · Architect

The perils that are almost always included in the coverage of the insurance plan are:-

· Fire · Hailstorm · Lightning · Thunderstorm · Explosions · Theft · Vandalism · Other Acts of God or natural disasters

It is further necessary to understand that the insurance coverage will not only protect the structure under construction but will be extended to the following:-

· Construction Materials · Supplies for the project · Equipment used on-site, during transit, or at other locations

The coverage usually includes damage to the property/structure under construction. The policy may include coverage for additional damage requiring expenses that are not directly related to the construction. Moreover, the compensation may also be paid by the insurance company due to unexpected delays of the project resulting in:

· Loss due to lost sales opportunity · Rental income · Increased or extra  interest on loans · Real estate taxes

While all of this sounds pleasing to the insured party, it is essential to remember that the coverage may be extended to include additional constructions, namely the following:-

· Construction Forms · Scaffolding · Other Temporary Structures · Debris Removal And Disposal During Loss · Cleanup Of Pollutant

One must also be well aware of the exclusions, as the insurance coverage will not be valid in situations that are not mentioned in the insurance document. The most critical exclusions that need to be noted include:

· Damage due to faulty design · Wear and tear · Employee theft · Rust and corrosion · Mechanical breakdowns · Flawed Planning · Low Workmanship and materials · Responsibility of Engineers · Acts of terrorism and war

Purchase of home insurance in Brooklyn and Queens, NY, is mandatory, but one cannot be satisfied by opting for the basic coverage. Instead, it is prudent to connect with an independent insurance company that can help one make the right decision.

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How to Become an Appliance Repair Technician

If you are interested in becoming an appliance repair technician, there are a number of online and on-campus programs you can enroll in. These programs can increase your skills and increase your chances of getting a job and a better salary. In addition, some programs prepare you to become certified by the National Appliance Service Technician Certification or the Professional Service Association. Some programs also include general education classes.

Call-A-Pro provides easy-to-use booking options for home appliance repairs. Their nationwide network of certified home service experts can handle common household fixtures and more complicated appliance systems, as well as emergency repairs. With a streamlined process, Call-A-Pro saves clients time and money by matching them with local service providers.

Washer repair costs can vary, but the average cost of major appliances is between $100 and $300. However, if you have more than one appliance, you may have to contact two separate repair companies, thereby increasing the overall cost. In addition to the cost of labor, some appliance repair companies charge a "trip charge" to come to your home to diagnose the problem and estimate the cost.

Cesar's Appliance Repair in New York City specializes in servicing homes in Queens, Brooklyn, Staten Island, and Manhattan. Their expert technicians are fully trained and insured, and they have a large stock of replacement parts. The company also offers same-day and evening appointments. A 90-day parts and labor warranty is also included. They specialize in refrigerator and freezer repair, washer and dryer repair, and stove and oven repair. Learn more about appliances at https://en.wikipedia.org/wiki/Category:Cooking_appliances.

While working as appliance repair technician, you'll be required to use your critical thinking skills and understand how appliances are put together. You'll also need good listening and problem-solving skills. In addition, you'll need to be able to prioritize tasks and make good decisions under tight time constraints. A basic understanding of electrical circuits, physics, and the components that make up an appliance will help you be successful as an appliance repair technician.

Appliance repair technicians are trained to diagnose and repair all kinds of home appliances. This includes gas leak detection, installation of new appliances, and informing customers about preventive maintenance. Technicians must be able to reference manuals and repair manuals to identify complex problems. Moreover, they must have excellent diagnostic skills. They should be able to quickly diagnose problems and provide a solution.

You can also consider an extended warranty to cover the costs of repairs. Some warranty plans cover parts and labor for up to five years. These plans cost about $200-$400 depending on their coverage. Regardless of the warranty, it is often cheaper to repair your appliances than to buy a new one. You may want to replace appliances as energy-efficient ones, if you can afford it.

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Your One-Stop Solution for Roofing Excellence in New York

Master Roofers: Covering Every Corner of New York With Quality and Reliability

When it comes to safeguarding your home against the elements, nothing plays a more crucial role than a sturdy, reliable roof. In the vibrant and diverse landscapes of New York, from the bustling streets of Queens to the serene suburbs of Westchester and the iconic skyline of Manhattan, Master Roofers stands as a beacon of excellence in roofing services. Our extensive footprint in New York's roofing landscape ensures that no matter where you are—be it Corona, Astoria, or beyond—you have access to top-tier roofing solutions that blend craftsmanship with durability.

Expertise Across the Boroughs: Roofing Queens, Brooklyn, and Beyond

In the heart of Queens, our expertise shines through in neighborhoods like Jamaica, Long Island City, and Flushing. Our team is adept at navigating the unique architectural styles and urban demands of roofing in Queens, ensuring every shingle reflects perfection.

Crossing the iconic bridges into Brooklyn, Master Roofers brings the same level of dedication to areas like Brooklyn Heights and Park Slope. From the historic brownstones to the modern lofts, our roofing solutions in Brooklyn are as diverse as the borough itself.

Westchester's Preferred Roofing Choice

Venturing into the serene settings of Westchester, our craftsmanship meets the green landscapes of towns like Scarsdale, White Plains, and Rye. Our roofing services in Westchester are designed to complement the suburban tranquility with roofs that promise longevity and style.

The Manhattan Skyline, Topped With Quality

In the island of Manhattan, where the skyline is etched with architectural marvels, our roofing services cater to the high standards of Soho, Midtown, and Tribeca. Master Roofers' services in Manhattan are synonymous with precision and luxury, ensuring each roof is a crowning glory of its building.

Nassau & Suffolk: Suburban Roofing at Its Best

Our reach extends to the charming locales of Nassau and Suffolk counties, where communities like Hempstead, Oyster Bay, and Islip trust Master Roofers for roofing that withstands time and weather with unwavering assurance.

Why Choose Master Roofers?

Local Expertise: With services spread across New York, we understand the local weather patterns, architectural styles, and building codes like no other.

Quality Materials: We source the best materials for durability and aesthetics, from energy-efficient shingles to robust metal roofing.

Professional Team: Our licensed and insured roofers are seasoned professionals committed to delivering excellence.

Customer Satisfaction: We prioritize your peace of mind, offering warranties and a customer-first approach that has earned us the trust of homeowners and businesses alike.

Whether you're in the market for a new roof, repairs, or maintenance, Master Roofers is your trusted partner. Our roofing services in New York are a testament to our commitment to cover every home and business with roofs that are not just shelters, but symbols of security and pride.

For a roof that meets the New York standard, reach out to Master Roofers—where every project is a signature of excellence.

Roofing Queens Roofing Corona Roofing Astoria Roofing Maspeth Roofing Whitestone Roofing College Point Roofing Rego Park Roofing Woodhaven Roofing Richmond Hills Roofing Kew Gardens Hills Roofing Jamaica Roofing Long Island City Roofing Hollis Roofing Fresh Meadow Roofing Flushing Roofing Glendale Roofing Ozone Park Roofing East Elmhurst Roofing Little Neck Roofing Woodside Roofing Ridgewood Roofing Forest Hills Roofing Jackson Heights Roofing Elmhurst Roofing Brooklyn Roofing Brooklyn Heights Roofing Bedford Roofing Brighton Beach Roofing Sheepshead Bay Roofing Brownsville Roofing Clinton Hill Roofing Bay Ridge Roofing Cobble Hill Roofing Prospect Heights Roofing Dumbo Roofing Coney Island Roofing Downtown Brooklyn Roofing Bushwick Roofing Park Slope

[umthealthtravel]

Ernesta Procope, Pioneering Black Insurance Broker, Dies at 98

Ernesta Procope, Pioneering Black Insurance Broker, Dies at 98

Ernesta G. Procope, who transformed a storefront insurance brokerage in Brooklyn into what was billed as the nation’s largest insurance agency owned by a Black woman, with headquarters on Wall Street, died on Nov. 30 at her home in Queens. She was 98. Her death was confirmed by her brother-in-law, Frederick O. Terrell. His wife, Jonelle Procope, who was the sister of Mrs. Procope’s late husband…

[bill-weasley]

Hi angel. I’m so sorry to hear about the damage that was done to your apartment. I’ve had to deal with water damage so many times, and it is a nightmare, but it certainly gets better over time. I’m in NYC too and it’s insane to think of how many people literally lost their lives due to the flooding. I hope you’re doing okay. What borough are you in?

ur absolutely right, so many people lost their liveihoods. and ppl who live in apartment buildings and not houses, they probably don't have insurance, so they need to spend their own money to replace all of those lost items.

im in the bronx, in pelham gardens, and while we had flooding -- it wasn't as bad as it was in queens and brooklyn because the bronx is more elevated??

it just sucks -- every single one of my friends and family members got flooding.

my aunt who lives in flushing still has a swamp in her basement. and the people who don't have huge drainers and shit, they have to call people to pay to drain their apartments/basements. and that costs upwards of 500 bucks. it's terrible

i just hope everyone is getting their shit together and our fucking govt does something about our terrible sewage system

i hope you're doing better anon and i'm so sorry you're going through this mess

also have you noticed we had three major hurricanes in the last 30-40 days? and every single one caused major flooding in the subways and homes?? its terrible

[kayliemusing]

42: top 3s

1: Top 3 ice cream flavors - classic vanilla, birthday cake/birthday batter, bubblegum

2: Top 3 Disney Movies - Mulan, Onward, Soul (but this changes frequently lol)

3: Top 3 vacation destinations - I've never been outside of my home country so I'll say my top 3 DREAM destinations: NYC, Hawaii, a random countryside in either France or the UK

4: Top 3 places to shop - Dynamite, Sephora, Winners/Homesense

5: Top 3 subjects of study/classes to take - English/anything creative writing related, Interior Decorating/Design, Communications?

6: Top 3 make up products - YSL Touche Eclat Foundation, literally any Mac Lipstick but it has to be matte, & Fenty Beauty contour stick

7: Top 3 music artists - Taylor Swift - Of Monsters and Men - The Lumineers

8: Top 3 spices/herbs - Cinnamon - Nutmeg (literally tastes like autumn) - Paprika

9: Top 3 drinks - Diet Coke - Hot Chocolate - Vanilla Bean Frappe

10: Top 3 apps to use - Instagram - Pinterest -iBooks

11: Top 3 months of the year - May, October, December

12: Top 3 clothing items - My black/white turtle neck, high waisted jeans, plaid blazer

13: Top 3 binge perfect tv shows - Bones, Supernatural, Brooklyn Nine Nine

14: Top 3 romantic dates - (I've never been on a date but if I had, it would be this) Evening walk, late night drive, late night coffee date (tbh anything at night feels romantic)

15: Top 3 kinds of flower - Water lilies, cherry blossoms, roses

16: Top 3 christmas movies - A Christmas Carol (2009), Home Alone, The Polar Express

17: Top 3 OTPs - Nesta and Cassian from ACOTAR series by SJM, Manon and Dorian from Throne of Glass series by SJM, Casteel and Poppy from From Blood and Ash series by JLM.

18: Top 3 quotes to describe your life - "I write not to find, but to leave" by Scherezade Siobhan - "I want to be myself again. I want to be six. I want to stop knowing everything I know" by Catherynne M. Valente - "The truth is, I pretend to be a cynic, but I am really a dreamer who is terrified of wanting something she may never get" by Joanna Hoffman.

19: Top 3 characteristics you love about yourself - my kindness bc it's not surface level kindness, but actually something deeply rooted within me - my resilience even tho sometimes it doesn't feel like resilience - my loyalty bc it is a hard as steel kind of loyalty

20: Top 3 kinds of candy - Maltesers, Kit kats, smarties

21: Top 3 ways to exercise/ be active - Walking, dancing, mowing the lawn/shoveling the sidewalk

22: Top 3 spirit animals - wolf, hummingbird, tiger (i googled it bc i didn't know and i was scared it was a joke but)

23: Top 3 petnames - I like 'lovebug', 'love', 'sweetheart'

24: Top 3 books read outside of school - The Hating Game by Sally Thorne, A Court of Silver Flames by Sarah J Maas but viewers discretion is advised, Crush by Richard Siken

25: Top 3 most used websites - Youtube, Tumblr, Pinterest

26: Top 3 people you last texted - my mom, my bestie megan, and my sister bc they're the only people i text...

27: Top 3 hashtags you use - the only time i use hashtags is if i'm trying to promote some of my writing so I'll usually use writingcommunity, writersonig, poetryonig lol

28: Top 3 instagram accounts you follow - Trista Mateer, Griefmother, obviously taylor swift

29: Top 3 guilty pleasures - buzzfeed quizzes, early 2000s music, romance novels

30: Top 3 summer activities - Going to the zoo, long evening walks, campfires and s'mores

31: Top 3 things to draw/doodle - hearts, flowers, random swirls bc it's the only thing i can doodle...

32: Top 3 aesthetics - cityscape aesthetic, autumn aesthetic, rustic aesthetic

33: Top 3 things you'd buy if you gained three million dollars - a new car, a condo, another cat

34: Top 3 ways to treat yourself - facial, a large bag of maltesers, buying the makeup i really want but have been putting off

35: Top 3 celebrity crushes - Evan Peters, Matthew Daddario, henry cavill

36: Top 3 books from your childhood - Love You Forever by Robert Munsch, The Big Friendly Giant by Roald Dahl, and Madeline by Ludwig Bemelmens

37: Top 3 accents to hear - Australian, super poshy british accent, new zealand accent

38: Top 3 scents - Fresh rain, vanilla, sweet cinnamon pumpkin from bath and body works

39: Top 3 "Friends" quotes - "WE WERE ON A BREAK" -Ross, "Guess things were just going too well for me" -also ross, and "it's so exhausting waiting for death" - phoebe

40: Top 3 cupcake flavors - tbh I haven't tried that many cupcakes so your typical vanilla, chocolate, and Pink Lady Cupcake from Babycakes Cupcakery

41: Top 3 fruits - Pomegranates, Strawberries, Raspberries

42: Top 3 places you've had amazing pizza from - Pizzahut, Dominos, Pizza73

43: Top 3 sports teams to watch - i don't

44: Top 3 crayola colors - uh, i guess red, purple, and pink??

45: Top 3 things you hope to accomplish in college - Certificates/Degrees in Copyediting and Creative Writing, and I think simply just deeper critical thinking skills when it comes to writing and books

46: Top 3 fanfictions you've read - I read more books than fanfics, I've read a couple on tumblr but don't remember the names sorry :/

47: Top 3 people you miss right now - my dad, my best friend bc she's in vancouver, taylor swift bc she's not on tumblr anymore rip

48: Top 3 fears - Failure, Loss, not achieving anything in life/not reaching my full potential

49: Top 3 favorite literary devices - Foreshadowing is always god tier, cliffhangers although evil i love those too, symbolism

50: Top 3 pet peeves - People dragging their shoes on the floor when they walk, when you tell someone your fav hobby/music artist/interest and they immediately go 'oh I hate X!', and people who go 'you're so quiet!!!' but in a way that draws in more attention and/or makes me feel more uncomfortable like i would literally rather die

51: Top 3 physical things you find attractive - Hands, nice hair, defined jawlines

52: Top 3 bad habits - Nailbiting, picking at my blemishes oops, lip biting

53: Top 3 pets you've had/wish to have - Cats bc they complete me, I've always wanted a Samoyed, and I've always wanted a turtle

54: Top 3 types of foreign food - Chicken Chow Mein, deep fried shrimp, japanese chicken wings

55: Top 3 things you want to say to someone in your lifetime - 'I quit', 'I love you', 'you changed my life'

56: Top 3 dog breeds - Samoyed, german shepherds, collies

57: Top 3 cheesy romance movies - You've Got Mail, How To Lose a Guy In 10 Days, 10 Things I Hate About You

58: Top 3 languages you speak/wish to speak - French, Sign, and maybe Japanese?

59: Top 3 series (book, movie, television) - The Cruel Prince series by Holly Black, A Court of Thorns and Roses by Sarah J Maas (but literally only for Cassian and Nesta), From Blood and Ash by Jennifer L Armentrout

60: Top 3 pizza toppings - Mushrooms, alfredo sauce, pineapple

61: Top 3 youtubers you're subscribed to - Game Grumps, Charlotte Dobre, Megan Batoon

62: Top 3 tattoo / piercing ideas - I want to get a tattoo on my wrist of the last thing my dad ever wrote me, a hummingbird tattoo right next to it, and then a cross on my index finger

63: Top 3 awards you want to win - National Book Awards, Nobel Prize, and maybe even Goodreads Choice Awards lol

64: Top 3 emojis - Laugh/Crying emoji, the please sir emoji that kinda gives off those puss n boots eyes, and the stars emoji

65: Top 3 cars you dream of owning - 1970s Chev Impala, tbh a cute little Hyundai Venue, and maaaaybe the 1964 ferarri 250 gt luso (idk if that name was totally right but i had to do tons of googling to find it. i don't know a lot about cars and i don't really have a top 3 lol)

66: Top 3 authors - Right now I'm really into Sarah J Maas, Sally Thorne, and Holly Black maybe?

67: Top 3 historical figures - Jesus, Anne Frank, Vincent Van Gogh

68: Top 3 baby names - Ryder, Leila, Gracie

69: Top 3 DIYs - Candles, refurnishing old furniture (i.e. my mom and i painted our wooden garbage can), and really just any type of autumn diy

70: Top 3 smoothie combos/flavors - Strawberry/Banana, Mango, Strawberry-Mango

71: Top 3 songs of this month - Happier Than Ever by Billie Eilish, Biblical by Calum Scott, and Visiting Hours by Ed Sheeran

72: Top 3 questions of this post you want to be asked - I did them all bc I made it a survey instead of an ask meme ;)

73: Top 3 villains - Regina/The Evil Queen from Once Upon a Time, Cruella De Vil, and Moriarty from Sherlock

74: Top 3 Cities you want to see - Montreal, NYC, Vancouver (honorable mention: LA)

75: Top 3 recipes you want to try - different kind of salad and/or burger bowls, Stuffed bell peppers, and homemade lemon loaf

76: Top 3 dream jobs - Bestselling author, the person who runs a companies social media accounts, youtuber/blogger

77: Top 3 lucky items - tbh don't have one

78: Top 3 traditions you have - Christmas Eve Service and if I don't go to that at least incorporating reading the christmas story on christmas day or eve, idk if this counts as tradition but going to the corn maze every fall, and whenever it's easter/christmas/thanksgiving we always have a big meal w/ family

79: Top 3 things you miss about being a kid - reckless abandon, dreaming about growing up with hopefulness and no dashed hopes, experiencing holidays like halloween and christmas as a kid

80: Top 3 harry potter characters - I've never read or watched Harry Potter rip (ok well i saw the first and second (and maybe third?) movie in the sixth grade I think) but I think I really liked Hermoine, Harry obviously and Dobby

81: Top 3 lies you were told - i don't have 3, but this one has a story but basically when my sister and i were in elementary school my sister got hit by a car and so the insurance thing was that she would recieve 10k when she was 18 and as a child i thought that was unfair so my dad told me that my sister had to split it with me when we were 18 lmao obviously that didn't happen (i think i realized that wasn't true in middle school)

82: Top 3 pictures in your camera roll right now - Pictures of my cat, one of my sister in a hilarious filter, and a picture of my rocking my TS merch

83: Top 3 turn ons - Kindness, defined jawline, easy going

84: Top 3 turn offs - arrogance, unkempt, super loud and obnoxious

85: Top 3 magazines/news papers/ journals to read - I don't read much of those so I'll tell you some sites I love for writing purpose's: there's Wellstoried, justwriterlythings, springhole.net (which is filled with generators if you're stuck and also tons of infomation and advice)

86: Top 3 things you wish you had known earlier - that toad in Mario Party was wearing a mushroom hat and that it is actually not his head, that immaculate means 'clean' before i misused that word like several times over the years, and that the one turn i always take on my way to work where i thought everyone didn't know how to drive was actually bc i didn't have the right of way rip me

87: Top 3 spongebob episodes - the one episode where spongebob and patrick find a ghost ship, that one episode where they form a bikini bottom band and perform it at a football game in a little fish tank, and the one episode where squidward has his first snowball fight

88: Top 3 places to be in the world - I'd love to be in NYC, Montreal, or Hawaii

89: Top 3 things you'd do differently - I would not have applied for RDC, similarly I should have just paid the 500 dollars to the one certificate program I wanted to do instead of overthinking it, and I wish I wouldn't have ended a friendship the way I did

90: Top 3 TV shows from your childhood - Spongebob Squarepants, That's So Raven, and Hannah Montana

91: Top 3 meals you love - Turkey Burgers, Chilli, and Instant Pot Chicken Tortilla Soup

92: Top 3 kinds of tea - i don't drink tea

93: Top 3 embarrassing moments - one time in sixth grade I tripped and fell right on my face in front of my crush, this other time like a couple years ago i opened the door to my car and only realized much too late while i was staring at this random family that it was not my car, and when i went to the gas station to get gas and couldn't get my gas lid on my car opened and this guy had to help me which was already embarrassing enough but then the gas pump wouldn't work so i had to go inside to pay just to realize i forgot my wallet and had to shamefully walk back to my car and then run back inside the convenience store and then pay and then walk back to my car and finally fill my tank.

94: Top 3 holidays to celebrate - Christmas, Halloween, Thanksgiving

95: Top 3 things to do in the rain - have an existential crisis, pretend you're in a music video, walk through puddles like you're six again

96: Top 3 things to do in the snow - Sledding, Build a snowman, shovel it even tho you don't want to

97: Top 3 items you can't leave the house w/o - phone, keys, wallet

98: Top 3 movies you'd like to see - Jurassic World 3, Hotel Transylvania: Transformania bc i'm a child, and the animation of the addams family

99: Top 3 art mediums - Writing fiction/poetry, painting, music

100: Top 3 museums you've been to - Royal Tyrell Museum, Canadian History one in edmonton lol, and heritage park in calgary

101: Top 3 school memories - Middle school dances when the popular kids would grind to the song "Low" which was always an interesting experience, in the twelfth grade at winter formal when we all shouted "SHUT UP AND DANCE!" at the same time when they played Shut Up and Dance, and the day i left

102: Top 3 things you don't/Won't miss - School, my sisters ex, 2016 bc she was a rough year yikes

103: Top 3 pick up lines - "My name is Will. God's Will.", "I'd like to take you to the movies but they don't like you bring your own snacks", "are you from tennessee bc you're the only 10 i see"

104: Top 3 sports to watch - none of them

105: Top 3 taylor swift songs - all too well - exile - coney island

[rjzimmerman]

Oh well, so much for the Dems being on board for all the bits and pieces that are necessary to adapt to the effects of climate change. Politicians are politicians and their primary goal is to raise campaign cash and be re-elected (or elected), not doing what’s right by their constituents or the country. Schumer is proving, once again, that he is just another politician, notwithstanding all his words to the contrary.

Excerpt from this New York Times story:

One of the federal government’s main efforts to push Americans to prepare for climate threats is in question after the Senate majority leader’s office objected to a plan to adjust flood insurance rates.

The Federal Emergency Management Agency was preparing to announce new rates for federal flood insurance on April 1, so that the prices people pay would more accurately reflect the risks they face. The change would very likely help reduce Americans’ vulnerability to floods and hurricanes by discouraging construction in high-risk areas. But it would also increase insurance costs for some households, making it a tough sell politically.

Last week, the office of Senator Chuck Schumer of New York, the Democratic majority leader, pushed back on the changes, according to several people familiar with the discussion. That pushback has caused FEMA to pause the rollout of the new rates.

Senator Schumer objected to the flood-insurance overhaul when it was first announced in 2019, citing its potential to raise costs for people on Long Island. The new system would mean steeper rates for some high-value homes, and the southern shore of Long Island includes the Hamptons, which have some of the most expensive real estate in the country.

Senator Schumer’s office told FEMA that the new rates could have a “severe impact” on some communities in New York, according to a person familiar with the conversation. The person said that the senator’s office had asked FEMA to reconsider going forward with the plan and asked the agency for a follow-up meeting, which, as of Wednesday, had not been scheduled.

“FEMA shouldn’t be rushing to overhaul their process and risk dramatically increasing premiums on middle-class and working-class families without first consulting with Congress and the communities at greatest risk to the effects of climate change,” Alex Nguyen, a spokesman for Senator Schumer, said in a statement. “Congress and the Biden administration must work together in a collaborative and transparent process” for what he called “affordable protection” in communities nationwide including Brooklyn and Queens.

In a statement, a FEMA spokesperson, who asked not to be identified, said the agency would continue to work with Congress to implement the plan, saying the changes would make insurance rates “better reflect an individual property’s unique flood risk.”