Do I Qualify? Widget

Reviews on Zillow
"Amazing team! I highly recommend them. Fast, efficient and sold out home in 3 weeks. Our home is one of your biggest assets and didn't want to just ... more "
by jalhammond
"Rick was very helpful in the search process, selection and purchase. He was very laid back but at the same time was always available and always ... more "
by AndreaWalsh7

Wednesday, October 30, 2013

Chautauqua County Visitors Bureau                                      E-NEWS    November 2013
what's  happening
Through November 2013 - Colors of Chautauqua learning festival 
November 1-3 and 8-10, 2013 - Harvest Wine Weekends, Lake Erie Wine Country
November 2, 2013 - Christmas Thru the Village, Findley Lake
November 2, 2013 - WURST Party Ever! Peek'n Peak Bierfest 2013
November 8, 2013 - Mark Twain Live! 1891 Fredonia Opera House

November 8-10, 2013 - Bemus Point Holiday Open House  
November 9, 2013 - Owl Day, Jamestown Audubon Center
November 15, 2013 - Dark Star Orchestra: Southern Tier Brewing Company Live Concert Series
November 16, 2013 - Santa's Gallery Hop, Rt. 394 Corridor
November 23, 2013 - Thanksgiving with the Birds, Jamestown Audubon Center
November 29, 2013 - January 18, 2013 - Annual Holiday Exhibit and Candlelight Tours, Fenton History Center 
December 6, 2013 - Holiday Parade, Jamestown
December 6, 7, 13, 14, 20, and 21 - Winter Lights at Audubon, 6-9 pm
December 7, 2013 - Homemade Holidays, Jamestown Audubon Center
For a full list of events in Chautauqua County throughout the year, see the online calendar.
Harvest Wine Weekends
November 1-3 and 8-10, 2013
Harvest Wine Festival
Celebrate the end of the grape harvest in America's Grape Country with Lake Erie Wine Country's annual Harvest Wine Weekends. There are still tickets available for the second weekend of the event, November 8-10. Guests will savor delicious foods paired with select wines at each of 24 wineries. While there, be sure to stop at the new Grape Discovery Center in Westfield, and plan to return February 14-16, 2014 and bring your Valentine for the luscious Wine & Chocolate Weekend.
Continuing Colors of Chautauqua
A seasonal learning festival
Colors Chautauqua The season long Colors of Chautauqua Learning Festival continues through November with scrapbooking and mosaic workshops along with a history of Lake Erie Shipwrecks, poetry and culinary classes, an Amish tour and an introduction to Bridge. For more information and a schedule, visit
Holiday Traditions
Annual Exhibit and Candlelight tours
For 34 years, the Annual Holiday Exhibit at the Fenton History Center in Jamestown has been a favorite local tradition. Stop by between November 29, 2013 and January 18, 2014 and enter into American holiday traditions of past and present in the grand 1863 mansion of New York State Governor Reuben E. Fenton (1865-1868). The elegant Mansion will celebrate "Signs of the Season: Why we celebrate the holidays like we do" along with fresh greenery, holiday decorations, and an upside down Christmas tree. New for 2013, costumed guides will give candlelight tours of the mansion and exhibit on Saturdays from 7-8 pm.  
A Holiday Parade
December 6, 2013
The Jamestown Renaissance Corporation announces the 2013 Christmas Parade and Holiday Celebration theme: "Jamestown's Snowball Express," connecting the story of The Polar Express with Jamestown's refurbished Gateway Train Station and traditional downtown holiday imagery. The 2013 parade will be held on Friday, December 6, 2013, in downtown Jamestown. Additional holiday activities and events in the Jamestown area, on December 6 and throughout the holiday season, can be found on the events calendar at  
A Spectacular Skating and Gymnastics Event
December 14, 2013
The Progressive Skating and Gymnastics Spectacular returns to the Jamestown Savings Bank Arena on December 14th. Sold-out in 2012, the show features Olympic, world, and national champions from two of the most popular Olympic sports: figure skating and gymnastics. Olympic figure skating champion Kristi Yamaguchi, three-time US figure skating champion Michael Weiss, and Olympic gymnastics champions Nadia Comaneci and Bart Conner will host the event.
       twitter facebook logoCCVB Youtube Videos
Chautauqua County Visitors Bureau 
P. O. Box 1441 
Chautauqua NY 147122 

For More Information On Chautauqua Lake Real Estate and Living Visit:   Our Listings:

Wednesday, October 09, 2013

Ellicottville Fall Fest brings in 250 vendors this weekend

ELLICOTTVILLE – Once again, Ellicottville is preparing for another year of the annual Fall Fest tradition.
This year’s event, encompassing the same area as in years past, acts as a bit of a preview of the coming ski season, as friends from Canada as well as those from various parts of the United States start to converge on this little village in the middle of Cattaraugus County.
With about 250 vendors, ranging from food and crafts to items for the ski slopes, the streets of Ellicottville will be packed throughout the weekend. Festivities will begin Friday.
The Sky High Adventure Park at the Tannenbaum Lodge at Holiday Valley will open at 9 a.m. Friday.
At 11 a.m., the mountain coaster will start runs for those brave enough to cruise the mountainside. Both parks will close at 6 p.m.
From noon until 7 p.m., the Mountain Shop Tent Sale will be going on, offering those items for the slopes, at the Resort Service Plaza Deck. At 4 p.m., the Ski Swap Sale and Check In will be going on until 8 p.m. at the Creekside Lodge.
The food court will kick off the festival for a 6 p.m. opening, serving early birds on Jefferson Street until 10 p.m.
Saturday, the Jefferson Street food court will open at 10 a.m. On Washington Street, visitors will be able to browse artists’ work, take a look at some crafts and look through T shirts. All items will be available for sale. The Visitor Center and Monroe Street will be alive with a curb sale. At 11 a.m., Washington Square will open its children’s rides.
On the hill at Holiday Valley, from 9 a.m. until noon, at Creekside, Ski Swap check in continues. The aerial park at Sky High will also open at that time. From 9 a.m. until 5 p.m., the Junior Ski Team and snowboard swap will take place at Creekside Lodge.
While that is happening, the Mountain Shop/High Performance swap will take place at the Resort Services Plaza Deck.
After an 8 a.m. registration, a 5K race is expected to begin at 10 a.m. at the Main Lodge. At noon, lift rides on the Mardi Gras Xpress, with a $2 charge, will take riders to a mountaintop cookout until 4 p.m.
During that period, “The Tommy Z Band” will perform at the top of Mardi Gras. Down below, at 3:30, “Strangers” will play at the Cabana Bar until 7:30.
Sunday’s schedule is the same as Saturday’s, except for the third annual Ellicottville Star competition, sponsored by Ed Shults Auto Group. The competition will take place at the Village Gazebo. The competition, patterned on the hit television show of a similar name, will go from 11 a.m. to 4 p.m.
At Holiday Valley, the day looks about the same with the replacement of a mountain bike race starting from the Mountain Sports Center at 10 a.m. The lift will take visitors to the top of Mardi Gras once again, but this time, “10 Delaware” will perform on top of the mountain and “Bleeding Hearts” will be at the Cabana Bar.
On Monday, the Columbus Day holiday, events will start to wind down as businesses start to switch to full winter season. There will be chair lift rides for $5 on the Spruce Lake lift.
During the entire weekend a $3 shuttle service will take people from the village to the Inn at Holiday Valley and Resort Services.
The shuttle will run from 7 p.m. to 3 a.m. on Friday and from 10 a.m. to 3 a.m. Saturday and Sunday.
A taxi service is also available at 375-TAXI.



For More Information On Chautauqua Lake Real Estate and Living Visit:   Our Listings:

Tuesday, October 08, 2013

Questions about the Biggert-Waters Flood Insurance Reform Act of 2012

See Question 8

Questions about the Biggert-Waters Flood Insurance Reform Act of 2012

1. What is the Biggert-Waters Flood Insurance Reform Act of 2012?

Answer: The Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) is a law passed by Congress and signed by the President in 2012 that extends the National Flood Insurance Program (NFIP) for five years, while requiring significant program reform. The law requires changes to all major components of the program, including flood insurance, flood hazard mapping, grants, and the management of floodplains. Many of the changes are designed to make the NFIP more financially stable, and ensure that flood insurance rates more accurately reflect the real risk of flooding. The changes will be phased in over time, beginning this year.
2. Why was the Biggert-Waters Reform Act of 2012 passed?

Answer: Flooding has been, and continues to be, a serious risk in the United States—so serious that most insurance companies have specifically excluded flood damage from homeowners insurance. To address the need, in 1968 the U.S. Congress established the NFIP as a Federal program. It enabled property owners in participating communities to purchase flood insurance if the community adopted floodplain management ordinances and minimum standards for new construction. However, owners of existing homes and businesses did not have to rebuild to the higher standards, and many received subsidized rates that did not reflect their true risk.

Over the years, the costs and consequences of flooding have continued to increase. For the NFIP to remain sustainable, its premium structure must reflect the true risks and costs of flooding. This is a primary driver for many of the changes required under the law.
Insurance Cost/Rate Questions

3. What changes to insurance operations are anticipated?

Answer: Many of the proposed changes are designed to increase the fiscal soundness of the NFIP. For example, beginning this year there will be changes addressing rate subsidies and a new Reserve Fund charge will start being assessed. There are also provisions to adjust premium rates to more accurately reflect flood risk.

Other provisions of the law address coverage modifications and claims handling. Studies will be conducted to address issues of affordability, privatization, and reinsurance, among other topics.
4. Will all policyholders see changes in insurance rates as a result of BW-12?

More than 80 percent of policyholders (representing approximately 4.48 million of the 5.6 million policies in force) do not pay subsidized rates.

About 20 percent of all NFIP policies pay subsidized rates. Only a portion of those policies that are currently paying subsidized premiums will see larger premium increases of 25% annually starting this year, until their premiums are full-risk premiums. Five percent of policyholders – those with subsidized policies for non-primary residences, businesses, and severe repetitive

loss properties - will see the 25% annual increases immediately. . Subsidies will no longer be offered for policies covering newly purchased properties, lapsed policies, or new policies covering properties for the first time.

The 80% of all NFIP policies that already pay full-risk premiums will not see these large premium increases. Most policyholders will see a new charge on their premiums to cover the Reserve Fund assessment that is mandated by BW-12. Initially, there will be a 5% assessment to all policies except Preferred Risk Policies (PRPs). The Reserve Fund will increase over time and will also be assessed on PRPs at some undetermined future date.

Additional changes to premium rates will occur upon remapping, the provision calling for these premium rate changes will not be implemented until the latter half of 2014.
5. In general, which properties will be most affected by changes in rates?

Answer: Rate changes will have the greatest effect on properties located within a Special Flood Hazard Area (SFHA) that were constructed before a community adopted its first Flood Insurance Rate Map (FIRM) and have not been elevated. For many communities the initial FIRM would have been adopted in the 1970’s and 1980’s. Your local insurance agent will be able to provide you the initial FIRM date for your community.

Many of these pre-FIRM properties have been receiving subsidized rates. Subsidies are already being phased out for non-primary residences. Starting this fall, subsidies will be phased out for businesses; properties of one to four residences that have experienced severe repetitive loss; and properties that have incurred flood-related damages where claims payments exceed the fair market value of the property. Premiums for these properties will increase by 25% per year until they reach the full risk rate.

Subsidies are not being phased out for existing policies covering primary residences. However, the subsidy provided to primary residences could still be lost under conditions that apply to all subsidized policies. Subsidies will be immediately phased out for all new and lapsed policies and upon sale of the property. There may also be premium changes for policyholders after their community is remapped. But that provision of the Act is still under review and will be implemented in the future.
6. What happens if a policy with subsidized rates is allowed to lapse or the property is sold?

Answer: Starting this fall, for all currently subsidized policies, there will be an immediate increase to the full risk rates for all new and lapsed policies and upon the sale/purchase of a property. Full risk rates will be charged to the next owner of the policy.
7. What does "full risk rate" actually mean?

Answer: Simply put, it means that the premium reflects both the risk assumed by the program (that is, the expected average claims payment) and all administrative expenses. In the case of

flood insurance, this means the premium takes into account the full range of possible flood losses, including the rare but catastrophic floods as well.
8. How can someone find out what a property’s full risk rate will be?
Answer: Of the many factors that determine the full risk rate of a structure, the single most important is the elevation of the structure in relation to the Base Flood Elevation (BFE). A community’s Flood Insurance Rate Map (FIRM) indicates the area of the community that has a 1% or greater annual chance of flooding. That area is called the Special Flood Hazard Area, or high-risk zone. Put another way, the BFE is the elevation where there is a 1% or greater annual chance of flooding. For a property in the high-risk zone, you need to know the elevation of the structure in relation to the BFE. Generally, the higher the elevation above the BFE, the lower the flood risk. The information is shown on an Elevation Certificate, which is a form completed and signed by a licensed engineer or surveyor. So to determine the premium for a property in a high-risk zone, you first need an elevation certificate. Then, an insurance agent can calculate the premium based on the amount of coverage desired.
9. What percentage of policies nationwide, and in high risk zones, actually receives these subsidized rates?
Answer: More than 80 percent of policyholders (representing approximately 4.48 million of the 5.6 million policies in force) do not pay subsidized rates. About 20 percent of all NFIP policies pay subsidized rates. However, only 5 percent of policyholders – those subsidized policies covering non-primary residences, businesses, and severe repetitive loss properties - will see immediate increases to their premiums.
10. When will NFIP Grandfathering be eliminated?
Answer: Currently, the NFIP Grandfather procedure provides eligible property owners the option of using risk data from previous Flood Insurance Rate Maps (FIRMs) if a policyholder maintained continuous coverage through a period of a FIRM revision or if a building was constructed "in compliance" with the requirements for the zone and BFE reflected on a previous FIRM. A provision of BW-12, however, requires FEMA to use revised flood risk data (zone and BFE) after a map revision. The legislation provides a 5-year mechanism to phase-in the new rates. This provision impacts the NFIP Grandfather procedure and will be implemented in the latter half of 2014. Many of the precise details of this implementation are still under development.

11. Is there any option for people who are now in a flood zone, did not have substantial damage, but now the BFE is 10 feet higher than previously and face dramatic rate increases?
Answer: FEMA’s Hazard Mitigation Assistance (HMA) HMA programs provide funds for projects that reduce the risk to individuals and property from natural hazards. These programs enable mitigation measures to be implemented before, during, and after disaster recovery. Local jurisdictions develop projects that reduce property damage from future disasters and submit

grant applications to the State. The States submit applications to FEMA based on State criteria and available funding. The HMA programs include:

• Hazard Mitigation Grant Program (HMGP) - The Hazard Mitigation Grant Program provides grants to implement long-term hazard mitigation measures after a major disaster declaration. The purpose of HMGP is to reduce the loss of life and property due to natural disasters and to enable mitigation measures to be implemented during recovery from a disaster.

• Flood Mitigation Assistance (FMA) - The Flood Mitigation Assistance program provides funds on an annual basis so that measures can be taken to reduce or eliminate risk of flood damage to buildings insured under the NFIP.

• Pre-Disaster Mitigation Program (PDM) - The Pre-Disaster Mitigation Program provides nationally competitive grants for hazard mitigation plans and projects before a disaster event. States can receive PDM funds regardless of whether or not there has been a disaster declared in that state.

FEMA encourages property and business owners interested in implementing mitigation activities to contact their local community planning, emergency management, or State Hazard Mitigation Officer for more information. Individuals and businesses may not apply directly to the State or FEMA, but eligible local governments may apply on behalf of a private entity. Your community will be working with the State to develop applications for HMA funding and implement the approved mitigation projects. Information about the HMA programs can be found at

For More Information On Chautauqua Lake Real Estate and Living Visit:    Our Listings: