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Home 2017-02-15T04:09:19+00:00
California’s Oroville Dam Crisis Highlights Importance Of Flood Insurance, Preparedness
FEBRUARY 14, 2017
Homeowners And Businesses Near Rivers, Lakes, And Streams Are At Risk Of Inland Flooding
How much homeowners insurance do I need?

California Press Office: (707) 490-9365,
New York Press Office: (212) 346-5500;

SACRAMENTO, CA, February 14, 2017 —Homeowners and businesses in California’s Butte, Sutter and Yuba counties who have flood insurance will be covered if the Lake Oroville Dam’s auxiliary spillway fails, according to the Insurance Information Institute (I.I.I.).

“The potential for flooding poses a significant threat to life and property in these three northern California counties and has forced the evacuation of tens of thousands of residents,” said Janet Ruiz, the I.I.I.’s California Representative. “Standard homeowners, renters, and business insurance policies do not cover the flood-caused damage. A separate flood insurance policy is needed.” Lake Oroville Dam is in Butte County. 

Flood insurance is available from FEMA’s National Flood Insurance Program(NFIP) and a few private insurance companies. NFIP policies have a 30-day waiting period before the coverage is activated. Excess flood insurance policies are also available from some private insurers if additional coverage is needed above and beyond the basic FEMA NFIP policy. To learn more about flood insurance, visit the

If your home or business is near a river, lake, stream, creek, dam or another body of water, the I.I.I. recommends taking these three steps in order to assess your property’s flood risks.

  • Contact your insurance professional. Take the time to ask questions and be sure you understand all of your insurance options. It will help you make informed decisions about your insurance coverage.
  • Prepare an emergency plan. The I.I.I.’s free mobile app, Know Your Plan, makes it easy to be ready when disaster strikes. Preparedness information is also available from FEMA’s and the National Oceanic and Atmospheric Administration’s (NOAA) Weather Ready Nation.
  • Conduct a home inventory. Documenting your belongings will help you buy the right amount, and type, of insurance. A home inventory also makes claim filing easier and can be used to document financial losses when filing tax returns or applying for post-disaster financial assistance. Using the I.I.I.’s Know Your Stuff app will ensure you have an updated home inventory, accessible anywhere, anytime.

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Woodel Business Partners

I recently requested a Certificate of Insurance for my Vitamin Store for the Pumpkin Festival. I forgot to send Dave the wording for the certificate, only a request. Dave looked up the information, completed the information back to me The same day. Thank Dave – Amazing.

Jay Singh
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Ken Flavell
HI Dave, Are we cutting it close for our homeowner’s policy – changing to Hartford. We changed from AAA for our auto insurance, now we are changing our homeowner’s insurance to Hartford. Kathy everything is fine. I will email you an update later today. Did you call your Mortgage company to tell them you changed companies and to pay Hartford yet? Thank you for your help today.
Great Service/Great Rates‎‎: It was great working with a Broker who is polite, has over 40 years experience and makes a huge effort at explaining what it is I am buying and how it works. Plus I saved over $330.00 –Awesome. I also like it that Dave is a Financial Advisor which helps me keep up with my retirement investments.
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Mike W.
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You’re a terrific agent Dave. Thanks for always being there when I have an insurance need and thanks for quick service!
Thanks much for the info and the help!
I’ve been a satisfied customer of Dave Woodel and his team for many years. I first turned to them when no other agent would help me find insurance for my house in the Foothills. And since then we’ve had a few wrinkles in our relationship – like when I was out of the country for a few years, or when the bank screwed up a payment – but Dave always came through with good personal service to solve any problems. I value his competence, reliability, and customer-friendly attitude.

Best to you and the “team.”

David Woodel has put together a cost saving better insurance package for my business. Commercial auto, general liability and workers compensation together save me an average of $1000 a year. Thank you, David and your professional team for providing excellent service, coverage and for just being honest! Regards,
Jason Richardson
Thank you, David; One phone call, one fax and it was done. I have had the pleasure of working with Woodel insurance over the past few years. My insurance needs are at times above the norm. Even with complicated issues and a need for immediate attention, Dave always makes it just a phone call and a fax or two. Done! I enjoy not having to worry about the insurance end of the business, with Dave Woodel it’s covered!
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