Flood Insurance for Long Island, including East Meadow, Mineola, Rockville Centre, Plainview, Huntington, NY, and Surrounding Areas
It’s imperative to invest in flood insurance when you reside in Long Island. The National Flood Insurance Program does not cover all your property and contents, which brings up the need for private flood insurance. One storm can cause great damage and having the proper flood insurance coverage is all you will need to remain calm and not worry.
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It’s important to understand the flood plains in your area.
Many residents think their homeowners’ policy is enough, but it does not cover floods. Water damage of any kind requires a flood insurance policy. The agents at Haller-Zaremba Insurance will work with you to provide the best flood insurance policy for your needs. Almost 25% of all flood claims come from low to moderate-risk areas, according to Flash.org. Many think that only those who live along the coast need flood insurance, but the reality is that our weather is becoming more erratic, oftentimes bringing severe rainfall, which causes flooding, among other hazards.
Know Your Flood Policy Benefits
Whether you live in a high-risk flood area or not, it’s important to know the benefits of flood insurance. If you live 2 miles from the coast, you could still be at risk for flooding. According to FEMA Disaster Assistance, a car can be taken away in as little as 2 feet of water and flash floods can bring walls of water from 10 to 20 feet high. Your car insurance may not protect you from that.
A standard flood policy, for homes in flood zones, covers structural damage, including damage to a furnace, water heater, air conditioner, floor surfaces and includes clean-up of debris. Your personal belongings can also be covered under this policy for an additional fee.
We have multiple options for your flood insurance:
- Building, contents, replacement cost coverages
- Different coverage options available
- Standard flood insurance coverage
- Optional excess flood coverage
- Affordable rates
No matter what type of homeowners insurance you have, let us review your policy to see if it includes flood insurance. Federal flood insurance, subsidies and coverage are constantly changing. We stay up to date on all changes to make sure our customers are protected. Don’t assume you automatically have flood insurance as part of your policy!
Visit Haller-Zaremba Insurance Agency to discuss flood insurance to protect you, your assets, and your family. Reach us at 516-746-2150. We are here to help.
Licensed in NY, NJ, CT, NH, PA, NC and FL.
Common Questions About Flood Coverage Insurance
What does flood insurance cover?
Flood insurance will give you most of the same coverage as typical homeowners insurance – contents and structure. Building coverage is designed to protect the structure of your home or business and cover appliances and other property items that are considered part of your property including air conditioners, dishwashers and cabinets. You will also want to consider coverage for your personal property as well, such as furniture and clothing.
What does flood insurance not cover?
If for some reason a flood occurs as a result of conditions not related to an access of water on normally dry land, flood insurance would not cover the damage (although your homeowners insurance might). The best example of this would be a sewage backup that floods your home but isn’t related to an environmental flood. Confusing? Let us help you out.
Am I required to have flood insurance?
Most of Long Island and coastal New York is required to have flood insurance. This includes low-lying areas along with areas near rivers. Your mortgage may also require flood insurance, especially if you have a federal-backed mortgage.
How can I get away with no flood insurance?
We would never recommend going without some type of protection. Your mortgage company may require flood insurance even if you have a condo above the ground floor. However, we can find you insurance discounts in this situation.
What does flood insurance cost?
Whoa, this is tricky. FEMA states most flood insurance costs about $40 a year. But as always, this will change due to location, size of home and coverage. Let us go through different carriers to find you a competitive flood insurance quote.
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