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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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Thousands of Cars to be Crushed After Superstorm Sandy

Thousands of Cars to be Crushed After Superstorm Sandy A few weeks back, we looked at Hurricane Sandy’s impact on the Auto Industry in our blog post. This week, we’ll update you on the latest news. According to the Insurance Journal, the estimate of 230,000 insurance claims for vehicle damage remains unchanged. Thousands of vehicles are damaged beyond repair. In addition to sorting through the claims, there has been a huge issue of what to do with the cars. Many of the flooded vehicles were towed to holding areas. From there, they are being loaded onto car haulers and taken to facilities to be crushed. The damage has hurt individual owners and dealerships alike. In Brooklyn, NY, more than 7,000 brand new vehicles were parked in holding areas awaiting delivery to dealerships when Hurricane Sandy struck. The holding area was flooded with more than three feet of water. All resources were initially directed towards disaster and emergency relief efforts. Now that the immediacy has passed, government agencies are trying to get these vehicles towed to the holding areas, where they will be identified and crushed. The National Insurance Crime Bureau (NICB) is focusing its efforts on making sure the vehicles are identified. If you are looking to purchase a new car, be wary of buying any vehicle with previous water damage. Using the NICB’s VINCheck system, consumers can enter the VIN of a vehicle they are interested in purchasing to see if it has ever been declared as salvaged. Created in the aftermath of Hurricane Katrina, consumers can use the system to ensure they aren’t swindled into purchasing a flood damaged car, and to determine if a vehicle had ever been reported as stolen. You and your vehicles deserve quality Westchester County Auto Insurance from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy auto insurance quote by calling (888) 639-4560.

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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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