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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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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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