Flood Insurance

Protect your assets in the event of a disaster.

Flood insurance solutions throughout Long Island, NY.

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Just because you don’t live in a high flood risk area doesn’t mean it’ll never happen to you. We’ll provide the coverage you need to help protect your home from rising waters—even if you’re not in a flood zone.

Debunking the three myths surrounding insurance for flooding.

There are three major myths about flood insurance that mean you could be taking an unnecessary risk.

Myth #1: You only need flood insurance if you are in a flood zone.

The first myth is that flood insurance is only needed for people living in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating.

Myth #2: Homeowners policies include flood coverage.

Another myth is that homeowners insurance automatically includes flood coverage. In reality, that is usually not the norm, and you should always assume you aren’t covered unless your homeowners policy specifically says otherwise.

Myth #3: Government programs cover flood insurance.

The third myth is that government programs have taken care of flood insurance. There is a National Flood Insurance Program that guarantees the availability of insurance in specific areas. However, this only covers a tiny percentage of American homes.

Different types of flood insurance coverages.

When it comes to protecting your home, there are a number of different coverage options to consider. No two homes are the same, which is why we put an emphasis on highlighting the various options available to you when protecting your home with a flood policy. From dwelling coverage to contents coverage, loss of use coverage, additional living expenses coverage, and basement contents coverage, we’ve got the right solutions for your specific needs.

Dwelling Coverage

Dwelling coverage provides protection against damage to residence structure or building. Some examples of dwelling coverage include:

  • Electrical and Plumbing Systems
  • Permanently Installed flooring (Carpet, Hardwood, and Tile)
  • Hot Water Heaters, Sump Pumps, and Furnaces
  • Foundation Walls and Staircases
  • Water Tanks, Fuel Tanks, and Solar Panels
  • Permanently Installed Cabinetry Directly Damaged by Floodwater
  • Stoves, Refrigerators, and Build-in Appliances (Dishwashers)
  • Detached Garage

Contents Coverage

Imagine turning your house upside down, anything that would fall to the floor is considered to be a part of the dwelling. Some examples of contents coverage (for damage to personal property) would be:

  • Clothing
  • Furniture
  • Electronic Equipment
  • Window / Portable Air Conditioners
  • Small Kitchen Appliances and Utensils
  • Area Rugs
  • Curtains
  • Washers and Dryers
  • Refrigerated Food

Loss of Use / Additional Living Expenses Coverage

Coverage for additional living expenses incurred as a result of a covered claim. This does not come standard in an NFIP policy but is offered with private flood providers. Some examples of loss of use would be:

  • Temporary Housing (Hotel or Rental Home)
  • Boarding of Pets
  • Laundry and Dry Cleaning
  • Moving Costs
  • Food

Basement Contents Coverage

Additional personal property coverage for items stored in basements that are excluded for coverage under the NFIP/FEMA flood programs. This does not come standard in an NFIP policy but is offered with private flood providers. Some examples of these basement items would be:

  • Bookcases
  • Window Treatments (Curtains and Blinds)
  • Area Carpets
  • Clothing
  • Electronic Equipment
  • Kitchen Supplies
  • Furniture
The difference between having and not having a flood policy.

For most homeowners, floods are a low likelihood but high-cost risk. If you are hit by flooding you could lose most of your personal possessions, face major reconstruction work, or even be left homeless for months while your property is made habitable again. In most cases, not having coverage for flooding is a chance you simply can’t afford to take.

Contact us and we’ll help explain the benefits of obtaining a separate flood insurance policy.

Flood Insurance - View of a Flooded Two Story Home

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