Flood Insurance
Protecting Your Property From Flooding In New York & New Jersey
Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.
The Federal Emergency Management Agency's (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
If you live in New York or New Jersey, you know that during the winter and spring, your home might be prone to flooding. Flood coverage can help provide solutions to damage such as electronics, foundation, and furniture.
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