Michael Travis

Best Flood Insurance Companies so that your wallet does not go under water

Best Flood Insurance Companies

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Research Team

Updated on 12/11/2017

A bad storm could flood your world in debt and loss. Your wallet does not need to go under water protecting your home. 

Seems Floods are occurring more frequently than any other natural disaster impacting U.S. citizens. Most people assume they aren’t at risk if they do not live in a designated flood plain, but between 20 and 25 percent of all flood victims live outside a high-risk area. The commonality and unpredictability of flooding make this type of insurance especially important for both homeowners and renters.

Nearly all residential flood insurance policies are underwritten by the National Flood Insurance Program (NFIP) and serviced by private insurance companies, the rates and coverage are the same, regardless of which company consumers select. When choosing a flood insurance service company, consumers should learn about the company as a whole to make the best choice for them.

Here is a link to several companies to compare.

https://www.consumeraffairs.com/insurance/flood-insurance/

 

 

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    Making our docks longer.

    There are always the question of what to do with seasonal docks. So what is happening in halls of the State of New Hampshire government.

    I am often asked about if you can simply add to a dock. A Seasonal dock means docks that can come out. Not on Piers.

    ??Both House and Senate Committees spent much of 2017 on this subject of extending the length of temporary seasonal docks as well as permitting requirements for temporary seasonal boat lifts. Senate Bill 119 has passed both the House and Senate but in different versions.

    There seems to be a consensus on allowing the extension of such docks to 50 feet, as opposed to the current 40 feet. However, the House and Senate negotiators will need to meet in a committee of conference to iron out several other differences in the Bill before sending it to the Governor for his signature.?? And new in 2018 is House Bill 1371, which seeks to eliminate certain lot size and setback permitting requirements for seasonal docks. This helps those on small lots very common in waterfront properties in NH.

    The New Hampshire Association of Realtors (NHAR) supports passage of the bill.

    We will see how it goes. 

    Thank you

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      When the lake and mountain view is as inspired as the house behind you.

      There are homes with great views. There are great homes that are astounding just to look at. When you combine both it truly is the perfect blend of man and nature. Take the case in point of 23 Newport Drive in New Durham, NH. The home itself is an architectural masterpiece in every way.

      Mountain living presents its own challenges. This home is built to withstand mountain top living while preserving views and the aesthetics of the surrounding beauty  with 50+ year shingles, high density spray foam insulation throughout, massive wood trusses and huge windows, radiant heat on marble and wood floors guaranteeing a warm setting even in the dead of winter. Each of the bedrooms have their own tiled ensuite bathroom. There's a game room you never want to leave. The chefs kitchen takes advantage of the views. The Great Room with towering cathedral ceiling sand impressive stone fireplace is - well greater than most. The custom 4 inch thick front door looks like something you would find in the greatest castles in England. The craftsmanship and attention to the finest details will never disappoint. Even your dogs have their own kennel with an indoor/outdoor opening to their own third of an acre fenced in play area to roam.

      To take in the views you have panoramic windows and a 90 plus foot deck comprising of over 1500 sf of mahogany decking. There is also a private balcony off one of the second floor bedrooms. Enjoy an evening fire in the covered outdoor stone fireplace on the deck as well.

      Now lets add a 36x50ft custom barn with two sets of 12 foot barn doors to accommodate heavy equipment and a heated fully equipped shop upstairs. There is a heated bathroom inside so you never have to go back to the home to interrupt your work. The concrete on the floor is set up for easy removal incase an owner wants to convert it into horse stables.

       

       

       

      What may be most compelling about this property is the million dollar view-Perhaps it is really a 2 million dollar view of the entire #NewHampshire Lakes Region including 44,000 acre Lake #Winnipesaukee and all the surrounding majestic lakes and mountains. Sited on the top of Copple Crown facing west you have never ending and always changing sunsets. The view never gets old.

      For a detailed book on this incredible property Click Here

      Here is an video tour you won't want to miss. Click Here

      For more information call Michael Travis, Realtor, Bean Group 4 Stevens Avenue, Meredith, NH Office: (800) 450-7784- at Cell: 603-303-2599 or visit www.LakeAndMountainViews.com

       

       

      Docks may need permits

      Docks and Shoreline Structures

      I am often asked if you can put in a dock or enlarge an existing one in any lake property. There are several aspects to consider. All natural bodies of water are held in trust for public use by the State of New Hampshire. Under RSA 482-A, NH Wetlands Law, constructing new structures such as docks, boat lifts, jet ski lifts, retaining walls, breakwaters and perched beaches in or on any bank, flat, marsh or swamp in and adjacent to and waters of the state requires a permit. This permit serves as permission for an entity to build and maintain a structure within an area held in public trust.

      Changing dock size may create issues with abutters

      Dock owners may replace a grandfathered dock without complying with statutory setback and other current statutory limitations as long as they do not change the size or configuration of the dock, which would trigger current permitting requirements. Problems arise when the replacement dock is larger or closer, from the abutter’s perspective, which can raise issues of encroachment, trespass and private nuisance, among others. 

      To determine is a permit is required to do any work on a dock take this survey

      https://www.surveymonkey.com/r/docks?sm=J6yE1w7o3mqrHOjeSxeKRKikIjx6lSBlcx6znku%2f0Z0%3d

       

      Michael Travis Your Waterfront Agent

      Selling you home is more than just listing it on MLS.

      With over 1,300 lakes surrounded by a state that is 86% trees, people come here to enjoy the best that Mother Nature offers. A big part of my job is to help buyer realize and live their dreams. Your lake home is part of that dream. 

      I have lived on or near water my entire life. My family even owned a private island, 9 miles by boat and 28 miles by car to the nearest town called Little Current — and that was an overstatement. I understand and appreciate the emotions and fond memories attached to such special places.

      Prior to a real estate career which began in 2004, I spent 35 years in advertising as an art director, writer, photographer, and designer in NYC and Boston. I have worked with three US Presidents, a five-star General, countless celebrities, corporate moguls, top fashionistas, and well over 450 different accounts in every category. This included marketing multi-million dollar homes for a Boston-based real estate company that has since become a Sotheby's affiliate. I’ve expanded my skills to include drone aerial imaging, videos, electronic and printed brochures, social media and so much more. 

      I have two sites of my own--one is dedicated to waterfront homes and the other is a more general. 

      Web:  www.BuySellHomesNH.com

      Web:  www.WaterfrontAgent.com

      As a real estate agent, I have consistently been a multi-million dollar performer. I have marketed, helped sell, and sold properties on more different bodies of water than any agent in the state of New Hampshire. I am a member of the Luxury Home Portfolio, Institute of Luxury Home Marketing, Haute Residence International, Proxio Pro International, and Bean Group’s esteemed Platinum Collection. 

      I believe real estate is about marketing. I believe my unique background and talents, combined with the Bean Group dominance in the marketplace, will prove to successfully promote your home like no other. Whether you are a buyer or seller, I bring real-life experience to your real estate experience. Below is a link to a feature story in Top Agent Magazine that says it all.

      Featured in "Top Agent Magazine"--Read the Story by Clicking Here!

      I am also a premier agent for Realtor.com, Trulia and Zillow so the exposure for your property will be maximized. And of course the Bean Group is the finest real estate company in the state I believe in maximizing exposure of your home to the world. 

      I wanted to mention that I am also heavily invested in social media. In fact I started a closed Facebook Group called "Lakes Region Realtors" for agents to talk to each other about listings, safety issues and other info. I am also involved with several other real estate groups to help market your home.   

      I look forward to partnering with you to help market and sell your property.

      Thank you

      MichaelTravis

      603-303-2599 

      Ice Out on Lake Winnipesaukee

      Ice out on Lake Winnipesaukee New HampshireEvery year on Lake Winnipesaukee,

      Ice-Out.com is devoted to progressive aerial photos of the ice receding on Lake Winnipesaukee. It's a co-operative volunteer effort between Emerson Aviation (It's Dave Emerson who officially calls ice-out each year) and the great aerial photographer I have had the pleasure of meeting, Bill Hemmel of http://www.aerialphotonh.com/ .  Here you can also see and purchase some of the finest aerial photography in the state. 

      "Ice-out" does not mean that all of the ice is gone. It is actually the moment when the M/S Mount Washington could cruise to all five of it's ports: Alton Bay, Center Harbor, Weirs Beach, Meredith and Wolfeboro. The earliest recorded ice-out (in 135 years) was March 18, 2016! The latest was the very cold winter on May 12, 1888.

      Always check out the progress on Lake Winnipesaukee on Ice-Out.com

      As for other lakes in New Hampshire, the NH DES VLAP began tracking Lake ice-in and ice-out dates in 2011 as there was no central repository for this information in New Hampshire. Many New Hampshire lakes have historical ice out records dating back to the early 1900's, Lakes Sunapee and Winnipesaukee to the 1880's, but not as much data exists for ice-in records. Tracking both ice-in and ice-out allows the determination of total ice cover days which is another important part of tracking physical, chemical and biological changes to lakes over time. With the erratic weather conditions experienced in recent years, the information can also help track climatological shifts and trends.

      Here is a link for detailed Ice-in and Ice-out dates for other lakes. 

      http://www.des.nh.gov/organization/divisions/water/wmb/vlap/ice-in-out.htm

       

      Whatever you do don't walk, drive on or take a snowmobile on any frozen lake without knowing how safe it is to do so. That is another story for sure. 

       

      Thank you

      Michael Travis

       

      Free Fishing Days in New Hampshire

      New Hampshire offers two free fishing days each year, so make plans to get out and cast a line with family and friends.  Free fishing days are offered on:

      • The first Saturday in June, and
      • The third Saturday in January.

      NOTEPersons participating in a fishing tournament must still hold a license, even on free fishing day.

      Free Fishing Day Rules:

      • State residents and nonresidents alike can fish any inland water - or saltwater - in New Hampshire that day without a fishing license.

      • Note that season dates, bag limits and all other fishing regulations must be followed on Free Fishing Day.

      For details on fishing rules, consult the New Hampshire Freshwater Fishing Digest.

       

      Read more fishing information - stocking reports, tackle tips, access sites, lake depths and fishing reports from across the state. And check out our regional fishing brochures, with suggestions on where to fish from the shoreline, currently available for Manchester/Nashua, the North Country, southwestern New Hampshire, the Lakes Region, and the seacoast.

       

      If you get hooked on Free Fishing Day, enjoy the fun year round. Licenses are available online or from any of 250 friendly local license agents statewide. You don't need a license if you are under the age 16 in New Hampshire. 

       

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      Bats Are Cool

      We all know Dracula. You know the guy that flies through the night as a bat and becomes a blood thirsty menace. Of course there is Halloween to help remind us of those flying rodents. And as we all have heard, these bats clearly fly into your hair and try to bite you in the neck right? So what is it with these winged mammals?  Well below is a bunch of bat facts and fallacies.

      So I have been at home inspections and nothing seems to bring more fear to buyers minds than the idea that bats might have lurked in the attics. In reality bats don't want to really be in your attic. Depending on the breed, trees, rock crevices and caves are preferred homes. Bat houses are good too. I am a big fan of bats. Here are billions of reasons why. 

      Bats Huge Appetite--almost as big as themselves! 

      Their preferred meals include a huge number of agricultural and forest pests, as well as those pesky of all pesky mosquitoes. Bats can eat 50% of their own body weight each evening, and even more if they are females with pups. This is the combined weight of over 1,500 mosquitoes! In numbers humans can relate to, a recent study of the value of pest control provided by bats was at least $3.7 billion a year.

      Millions of bats across North America have died due to White-Nose Syndrome, a malicious and confusing disease that attacks hibernating bats with 100% mortality rate at many sites. The brown bat population which was the most abundant species has lost 90% of its population in the east coast.  UNH has a study that shows bats are beginning to show resistance to this disease. 

      Ironically, having bats indoors is actually a lot more frightening of an idea for homeowners.  

      Bats in Your House

      If bats do fly into your living spaces, don’t panic. They don't want to be there. Open any outside windows and doors to the room where the bat is, and leave the room, closing any interior doors behind you and turning off the lights. They will soon find their way outside.

      If you have them trapped already, you can let them go outside. In the summer, let them go ASAP. In the winter, wait for the warmest part of the day to release, if possible.

      We Do Need Bats, but maybe not in your house.

      For those who like fresh crops, bats are a billion dollar asset. The agricultural industry relies heavily on what bats eat and the rich fertilizer they excrete. These animals that primarily feed on insects (insectivorous), are the most prolific pest control experts in the United States. They are important global pollinators and seed dispersers. Their survival is vital to healthy ecosystems.

      So, before anybody reaches for a broom--and by the way a broom won't work anyway, let me debunk some myths about these “flying bloodsucking rats” to help everyone understand why a bat problem should be handled by professionals who are really wanting to help preserve their safety along with that of homeowners.

      Myth #1: They are flying little Vampires

      Actually Not in North America. There are 8 native species in New Hampshire, but not the vampire bat. There are bat species that feed on blood, but they reside in Latin America. There are only 3 total vampire bat species (out of over 1,300) and only 1 targets mammals. Bats in New England attics are not going for your hair, or your neck, or near humans at all, really.

      Myth #2: They’re Foaming at the mouth Rabid

      That’s just impossible. If bats were all infected with rabies, they wouldn’t be around to infect other animals by now. In fact, less than 1% of all bats are infected with the virus. Though one should be cautious around bats, there are telltale signs of a rabies infection. As mentioned above, bats generally steer clear of humans. If they aren’t doing so then they may be suffering from a rabies infection that renders them too sluggish to get away. So, bats are no more rabid than other mammals, but those that are like a rabid dog or racoon or fox will bite and should be avoided.

      Myth #3: They’re Dirty Flying Rats.

      They actually aren’t rodents. or “rats with wings”. Bats are winged mammals. Bats aren’t even in the same genetic order as rodents. The important difference here is that bats fly.  If bats were human, you would say they are actually have OCD--they meticulously clean themselves (sometimes for hours).

      Myth #4: They’re Blind as a Bat—well not really

      We’ve all heard the expression “Blind as a bat” Well, they can see better than humans. They master sensory stimuli through “echolocation” has lead some people to believe that they “see” things via hearing them with their disproportionately large ears. Though this certainly helps, it isn’t their only advantage. As it turns out, they can see 3 times better than humans can. This means that they aren’t likely to accidentally fly into your hair, much less a person.

      Myth #5: They’re Stuck

      Bats don’t nest at all, let alone in people’s hair. A particularly ridiculous myth is that bats get stuck in human heads of hair. I have already mentioned that they aren’t likely to fly near people in general, and that they are far too agile to get stuck anywhere.

      Myth #6: They’re Multiplying

      Bats aren’t Baby Machines. Since people tend to think they are like rats which do mass produce babied, for bats it is only one at a time. If homeowners have a bat infestation, it isn’t due to rapid reproduction. Bats only produce one single pup per litter, and only have 2-3 litters during the typical spring breeding season.  

      Myth #7: They’re Unlucky

      Not in China. China is swarming with bats, from caves to the art that defines their culture. The Chinese symbol for bat is the same as that of good fortune.

      Conserving Bat Populations is good for everyone. Not being afraid of one is the first step. 

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      Morning in America - on Long Pond - Northwood NH

      Morning again in America, on Long Pond in Northwood, New Hampshire, Morning begins, like on any of the 1300 or so lakes & ponds in this state, as a quiet opening act where you begin to hear the birds come alive, the subtle ripples of water made by ducks floating, the fish jumping, or the occasional kayaker's paddle.  Time stands still here - even in motion. So can call me to find yourself in a lake home as special as the lake is. 603-303-2599

       

      Morning in America -- on Long Pond from Waterfront Agent on Vimeo.

      New Hampshire State of Mine

      The Price to Pay for the Highest Quality of Life is Far Less in New Hampshire
       

      Living the good life in New Hampshire cost far less than you would expect.

      Having lived in NYC, East Haddam in Connecticut for weekends, and the North End of Boston I had a different opinion of New Hampshire long before ever stepping foot in the State. People I knew would call it "Cow Hampshire" or "New Hampster".
       
      After all the population on NH was a fraction of what is in CT, MA or NY, and seemed to be in the boonies -- just so far north. However, it didn’t take long before realizing it was nothing less than picturesque and beautiful with over 1300 lakes, Lake Winnipesaukee, a pristine 44,000 acre lake in the Lakes Region made famous by the film “On Golden Pond” staring Katheryn Hepburn with Jane and Henry Fonda written by local talent Ernest Thompson. The “Big Lake” is surrounded by the majestic White Mountains
       
      Here is my "New Hampshire State of Mine"