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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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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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