Personal Insurance
Flood Insurance And Excess Flood Insurance
Do you have the flood insurance you need?
When is a flood a flood?
You don't have to be in a "flood zone" to experience the loss of property due to flood. Most homeowner's policies do not cover damage caused by flood. Your home should be protected against this peril in the same manner as it is protected against all other perils such as fire, lightning, wind, storm, and similar risks.
The "National Flood Insurance Program" states that the general condition of flooding must affect two or more adjacent properties or two or more acres of water confined to the lot on which the insured building is located. Also, the occurrence must inundate normally dry land.
A brief visit to the Government Website www.fema.gov will provide a list of frequently asked questions and answers and many other specifics. We can help you to determine the flood zone for your home's location, determine if it is located in a "preferred" zone or "catastrophic" zone, and help with rating results.
We can provide the answers you need to remove any uncertainty associated with the coverage, terms, and conditions of this peril. Just call our office at 973-635-1800 or 609-924-5000 or email one of our Personal Insurance Contacts for more information.