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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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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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