Flood insurance is not part of your standard homeowner’s policy
Floods are the number one natural disaster in the USA and not having flood insurance is like playing Russian Roulette with your finances. Areas such as Long Beach often have to deal with northeasters, hurricanes and severe winter storms. During a major rainstorm, there is a real risk of flooding and all property owners should carry flood insurance. Please be aware that normal home owner’s policies do not cover flood damage.
For proper flood insurance advice in Freeport, Hempstead, Long Beach, and Long Island you should consult with a local insurance agent such as Denis Miller. Your agent will advise you if your area participates in the National Flood Insurance Program and whether this federally funded insurance is right for you. Homeowners in areas that participate in the NFIP can obtain flood insurance that covers buildings, structures, and contents. Flood Insurance is often required by law and your agent will advise about this as well.
When hurricane season comes around you don’t want to be caught without flood insurance. Flood damage is a real possibility and the Federal Emergency Management Agency (FEMA) categorizes Long Beach Island and many areas of the New Jersey coastline as a special flood hazard area. During the hurricane seasons (1 June through 30 November) there are rising sea levels, huge waves and a real risk of tidal flooding. You need separate flood insurance as this is not covered under standard property insurance.
In particular, homes situated in low lying areas have in the past experienced severe flood damage. As a homeowner, you should be prepared for floods and related damage. You cannot stop the floods but you can mitigate the financial implications of flood and related damage. The only way to do this is through flood insurance. Don t wait till the rain storms hit cos then it’s too late. Speak to your agent today and get the right flood insurance for your needs.