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Category Archives: Flood Insurance

Is Your Home Ready for a Flood?

The losses that homeowners have experienced from floods have been quite significant, while an increase in water levels have wreaked havoc throughout the Tri-State region – even in low-risk communities. Prepare your home for a flood with flood protection measures and with flood insurance, even if you don’t think that you’re in an active flood zone. Secure a flood plan that at its most basic, covers physical damage to the insured property from floodwater. You may want to consider additional coverage to insure the contents of your home. But before we talk about flood insurance, let’s look at ways to protect your home from damage. Food-Proofing Tips  Some flood-proofing work may be required in order to minimize flood damage. Here are some methods of flood control that will protect your home.  Install foundation vents. Foundation vents force flood water to flow through your home, instead of pooling up around it. This provides an outlet for floodwater and relieves the significant pressure flood water can put on your walls and basement windows. Apply coatings and sealants. Coatings and sealants applied to foundation, walls, windows, and doorways will help prevent floodwater from leaking into your house through cracks. Raise electrical outlets/switches. All outlets, switches, sockets, and circuit breakers should be at least one foot above flood level in order to prevent significant electrical damage in the case of a flood. Check pipe valves. Make sure that all pipes entering your house have valves to prevent a flooded sewage system from backing up into your home. Grade your lawn. If your lawn is graded toward your home, rainwater will then pool around it. Use a heavy soil that contains clay content and sand to adjust the regrade your lawn so that surface runoff empties into the gutter. Look at mulch and siding. Wet mulch can rot your house’s siding, resulting in leaks. Keep a space between your mulch and siding so that the base of your house can completely dry after rainstorms. Flood Insurance An insurance agent can help you determine your coverage, depending on your needs and the value of your home. Excess flood insurance is available for those who own a high-valued, expensive homes, which can provide broader coverage for both the structure and its contents, and may also provide money for additional living expenses while your property is restored. The…
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Millburn Flood Insurance: Plans for Prevention

Millburn Flood Insurance: Plans for Prevention  In the wake of Tropical Storm Irene and the narrow escape of March’s massive winter storm threat which hit Canada, the threat of flooding has become increasingly common for New Jersey.  Many residents are realizing the importance of Millburn flood insurance to protect their families and property in the increasingly dangerous conditions. As a result of recent flooding in the Rahway River Basin caused by these brutal weather events, the U.S Army Corp is working with environmental groups to develop a responsible solution to protecting downstream communities. Their plans thus far have been met with numerous challenges regarding the environmental impact of the proposed solutions, many of which could adversely impact the South Mountain Reservation. One such proposition has inspired the Save Our Reservation movement looking to dissuade government officials from adoption a plan they believe will have terrible effects on the reservation itself. The plan to build a massive, 75 foot tall and 810 feet across, dam would essentially submerge some 110 acres of the reservation land in the event of a major rainstorm instead of allowing flood waters to trickle into lower-lying developments. Opponents claim that the flooding caused by the dam would oversaturate the vegetation and end up killing much of the vegetation in the flood path, including countless amounts of trees. Alternatives to the dam are still being discussed and considered, including an idea to expand existing channels and create new outlets in the Orange Reservoir hoping to ease the burden on the Rahway River. While developers are exploring their options, the threat of flooding is not going away. Don’t let your house go unprepared. At A.J. Benet we offer not only traditional Flood Insurance coverage but also extended coverage for high-value properties. Our policies are tailored to the needs of our New York and New Jersey clientele. Call us today at (888) 639-4560 for more information about how we can protect your assets.

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New Rochelle Flood Insurance: Key Facts About Flood Insurance

New Rochelle Flood Insurance: Key Facts About Flood Insurance Since Hurricane Sandy, the Westchester County area has struggled to restore the damage done. In the aftermath of destruction, one tragic trend has emerged- too many property owners are either unprepared or underinsured against financial damages they could suffer in the event of a catastrophic flood. It’s a common mistake that most people assume their New Rochelle County homeowners insurance policy would cover them in case of a natural disaster, but that is not always the case. Certain areas along the eastern coast may be located in hurricane-prone areas, in which wind damage could be the main threat. Other New Rochelle homeowners may be situated in a flood-prone area, which in the case of a flood, would cause unimaginable damages. This was the case with Hurricane Sandy- this super storm ended up being a threat for flood damage as opposed for wind damage that is typically associated with hurricanes. Property Casualty 360 discovered that a minimum of 25% of properties damaged had no flood insurance coverage. Yet, there are plenty of reasons why New Rochelle Flood Insurance is a crucial guard against damages caused by floods, hurricanes, and other natural disasters. Obtaining the right New Rochelle flood insurance policy is designed to help protect your Westchester home and property against losses due to heavy rains, flood surges, storm drain backups, etc.. In assessing the risks, the Federal Emergency Management Agency (FEMA), placed more than 20,000 communities in the U.S. into a flood zone category. The Westchester County community participates in the National Flood Insurance Program. This government backed program is designed to assist property owners to purchase insurance protection against losses from flooding. We not only can provide insurance through the National Flood Insurance Program (NFIP), but also have critical access to alternative markets, which in many cases are better suited for the areas we serve where flooding is prevalent. As your insurance agent, we will consult federal flood maps to find your flood zone, which will affect the cost of your insurance, the type of coverage you need, and the limits of coverage for areas of your home that lie below the lowest elevated floor, such as basements and crawlspaces. Contact us today for more information about our New Rochelle Flood Insurance programs.  1 (888) 639-4560

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How to Remove Snow off Your Roof

How to Remove Snow off Your Roof As the Northeast digs their way out from Nemo, Westchester County can now remove snow off their roofs to help prevent any ice dams that might damage your home. With over 40” of snow dumped during Nemo, the Northeast has been hit hard by this blizzard. 650,000 customers over eight states had lost power making for an extremely deadly storm. Now that the worst of Nemo is over, it’s time to think about cleaning up with these simple tips on how to remove snow off your roof. Your roof is particularly vulnerable because of the sticky snow that piles on. Not only the weight of the snow can cause damage, but ice dams can also form due to lack of maintenance  By clearing the first three to four feet of snow will help prevent ice dams and take away the strain off your roof. Flat Roof – Flat roofs are one of the easiest to clean, but will allow more snow to pile up and damage your home. If you have a flat roof you may want to shovel the roof constantly to avoid damages during storms. Remember to put safety first any time you are on a roof, snow or sun.  To help prevent any further injury to you, we highly suggest calling a professional. Slanted Roof – If you have a slanted roof, a roof rake may be your best bet.  A roof rake is a long-handled tool designed specifically to help remove snow from your roof. One of the highest rated products that we’ve found was a Garant GPRR24U on Amazon. When using your roof rake, stand firmly on the ground and knock off as much of the snow off as you can safely reach. It is not necessary to remove all the snow; removing the first three to four feet of snow closest to the gutters can help the gutters properly drain. No Roof Access – If you cannot reach the roof, many home builders landscaping and roofing contractors, and property maintenance companies can remove snow from your roof. Always be sure your contractor is insured and bonded. If you have any doubt, leave it to the professionals. Using a ladder and walking on a slippery roof can be extremely dangerous is best left to professionals. The experts at A.J. Benet know how hard you work to protect…
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Flood Insurance Facts of New York

Flood Insurance Facts of New York Flood insurance is an essential component to ensuring your home and business is protected. However, flood insurance does not come standard in most homeowners policies, a fact many are unaware of until it is too late. Flood insurance remains a somewhat murky concept. How much flood protection insurance do I need? Do I really need it if I don’t live in a flood-prone area? Does my homeowner’s insurance cover any part? Here are some facts about flood insurance that you made not have known: There is no such thing as a flood-free zone. Some low-lying areas, near water, or downstream near a damn are at a higher risk- FEMA updates flood maps periodically identifying low, moderate, and high risk flood areas. In a high risk area, your home is more than twice as likely to be damaged by flood than by fire. Even low-risk areas account for 20 percent of NFIP claims, and receive one-third of disaster assistance. Even a small amount of water can be a serious disaster. According to the Flood Cost Calculator Most homeowners insurance policies do not cover flood damage. It takes 30 days after purchase for a policy to take effect, so it is important to buy it sooner rather than later. The average annual U.S. flood losses in the past 10 years were over 2.9 billion. Two feet of water is enough to float a vehicle. New land development can increase flood risk, especially if the construction alters natural runoff paths. Over 5.5 million people currently hold flood insurance policies across the United States. In the event of a flood, there are numerous resources in New York that can aid you, in providing information and updates. The New York City Office of Emergency Management has a list of government organizations, including federal, state, and local, that help residents with flood related issues, ranging from temporary homes for displaced residents to general information. The Tri-State region has seen a significant increase in flooding. Flood and Excess Flood insurance is a crucial component of your insurance package to make sure you and your family are protected. At A.J. Benet, we have the expertise to help you secure a comprehensive Westchester County flood insurance plan. Depending on your needs and your home’s value, we will determine how much coverage you need…
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Hurricane Sandy’s Impact on the Auto Industry

Hurricane Sandy’s Impact on the Auto Industry While many of the mass transit systems are up and running again, the auto industry is facing significant long term effects in the aftermath of Hurricane Sandy. The results are mixed, and often contradictory. Auto insurance claims are pouring in by the thousands. Demand for used cars is increasing as people seek to repair storm damaged ones, resulting in a shortage of rental vehicles available. The new car market will get a boost, but many dealerships have suffered losses and have to scrap thousands of brand new vehicles. Estimates by the National Automobile Dealers Association tally the results at up to a quarter-million vehicles across the East Cost may have been damaged by Hurricane Sandy. Nearly a month later, cars still line the streets, idly waiting to be towed. Rental cars are difficult to come by. Consumers need replacement cars for their own storm-damaged vehicles and emergency responders and local utilities need cars and trucks for the recovery effort. The result has left the rental car industry sorely scarce of vehicles. According to the New York Times, rentals for the four largest companies- Enterprise Holdings, Hertz Global Holdings, Avis Budget Group Inc. and Dollar Thrifty have all sold out in key location. Many are diverting vehicles from other areas to compensate for the high demand in the upcoming holiday season. Sales of autos have also seen a spike. Insurance companies have received thousands of auto claims, and many are looking to replace storm-damaged cars. But, auto dealerships located in storm ravaged areas have felt the effects. Despite the expected boost, large numbers of brand new cars were damaged. According to Auto Blog, Toyota, Chrysler, Nissan, and Honda are set to scrap around 15,000 new vehicles ruined by the storm. Contact A.J. Benet today for more information about our Westchester County Auto Insurance. (888) 639-4560 Source: Wall Street Journal

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What To Do After Hurricane Sandy

What To Do After Hurricane Sandy Hurricane Sandy has come and gone. However, Hurricane Sandy did not leave New York untouched. This Hurricane shook and rattled the North East for days, leaving residents confined in their unlit homes without any available resources. Hurricane Sandy was unforgiving and left many individuals grieving & emotionally stirred. From the fires igniting in Queens to the explosions in Manhattan, the cost of damages are not quantifiable at the moment. Fortunately, the President has approved a disaster declaration for New York and New Jersey, providing them federal assistance to rebuild. Below we have some tips on what to do after Hurricane Sandy. Hurricane Sandy has left the community in anomie and all that have been affected are slowly recovering. Here a few tips on what to do after Hurricane Sandy. Although the storm has passed, be sure to listen to NOAA Weather Radio and your local news for any updates. If you have been evacuated, remain in your current location until officials state that it’s safe to return home. If you are unable to return home, contact FEMA or The Red Cross for immediate assistance. The government is here to help, so please utilize all their resources. Whether you are driving or walking, keep your eyes open for any downed electrical wires, loose power lines, falling objects, debris, and sinkholes. Contact the power company if you noticed any loose power lines, and only drive if absolutely necessary. Once at home or any building, immediately evacuate if you smell gas or feel your home shifting. If you are unsure have a structural engineer or building inspector examine the property. Refrain from turning on the lights and using candles or lanterns; instead use a battery operated flashlight. Discard any food that is spoiled or has come in contact with flood water. Drink bottled water and do not use tap water for drinking or cooking. Never use a generator inside your home and never connect it to your home’s wiring. Be cautious! Since 1964, A.J. Benet has been serving residents Westchester County insurance in Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Port Chester, Rye, Salem, Purchase, Bronxville, Bedford, Mt. Kisco, and Katonah, New York. We invite you to give us a call at your convenience at (888) 639-4560, or if you prefer email us or return the form on this page.

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Mamaroneck Flood Insurance: How to Prepare for a Flood

Mamaroneck Flood Insurance: How to Prepare for a Flood When you live in areas like New York, you are frequently exposed to natural disasters such as hurricanes and floods. Although many are not as devastating as some, it is always beneficial to be prepared. Part of that includes investing in Mamaroneck Flood Insurance. Call us today for a free quote. (888) 639-4560 Earlier this year, the Huff Post addressed Westchester County’s (New York metro) vulnerability to severe flood disasters. New Jersey based non-profit news and research organization, Climate Central, states that there are several factors that contribute to Westchester County’s susceptibility to flood. As sea levels are rising and New York’s susceptibility to flood have increased dramatically, global warming has tripled the chance of New York state’s exposure to an extreme flood disaster. Fortunately, this knowledge has spread all over the globe and has motivated individuals and groups to create flood control plans. Here are several tips on how to prepare for floods in Mamaroneck Flood Insurance Tip #1 – Be knowledgeable and do some research. There are several websites that estimate your region’s susceptibility to floods. Websites like, Surging Seas, calculate your zip code’s flood risk through its sea level rise, storm surge, and tide. Flood Insurance Tip #2 – Prepare an emergency plan. Most communities have already devised fixed emergency plans, warnings signals, and evacuation routes—take advantage and learn it. Take this a step further and practice a flood evacuation route with your family. Flood Insurance Tip #3 – Create an emergency supply bag.  The essential things to store in this bag are non-perishable food, can opener, first aid kit, prescription medicines, blankets, large containers of water, extra clothes, and sturdy shoes. Flood Insurance Tip #2 – Identify potential hazards in and around your home. Learn how to secure and protect them in the event that a flood does occur. You may even want to have an electrician raise any circuit breakers, switches, and socket. As your insurance agent, we will consult federal flood maps to find your flood zone, which will affect the cost of your insurance, the type of coverage you need, and the limits of coverage for areas of your home that lie below the lowest elevated floor, such as basements and crawlspaces. Since 1964, A.J. Benet has provided Mamaroneck flood insurance to residents in…
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