Flood Insurance

Flood Insurance Choices from Tri-State Insurance Agency

It will be many years, if ever, before the grim images of Super Storm Sandy and its catastrophic effects are erased from memory. Many of the coastal corridors in New Jersey and New York experienced devastating losses, along with other regions where rivers and creeks not typically accustomed to flooding were breached. Realizing more than ever how flooding can happen anywhere, New Jersey and New York residents are turning to Tri-State Insurance Agency for assistance in understanding the insurance options available to them that will offer protection from the storm.

How to obtain insurance for floods.

Protection is available from the National Flood Insurance Program (NFIP), which offers up to $250,000 in coverage for physical damage to your insured property that occurs as a direct cause of floodwater. The policy generally excludes the contents of the home, but enhancements of up to $100,000 are also available. What’s more, Tri-State is experienced in obtaining coverage from alternate markets for our clients who reside in more flood-prone locations, resulting in coverage that is better suited and better priced for the exposures they endure.

If you own a high-value home, we’re likely to recommend excess flood insurance for you, which affords a greater amount of protection for the structure and contents via major increases in policy limits. In the event of a flood, an excess flood policy can pay for additional living expenses should the residence be rendered unsuitable for occupancy and is being repaired.

Many residents found out the hard way that the standard homeowners insurance policy does not include protection for flood damage, regardless of whether they have a sump pump rider or sewage and backup insurance. Again, flood insurance is what will save the day here—even offering protection in the event a rush of water creates a mudflow that damages your home.

We start evaluating your needs with a careful review of federal flood maps to determine the flood zone in which your property is located. We combine this with your property details, such as presence of a basement and low-lying windows, to pinpoint what type of insurance is called for, how much coverage is needed, and how much it will cost.

We can help prepare you for super-stormy weather.

Throughout Pennsylvania, northern New Jersey, New York and surrounding environs, let Tri-State Insurance Agency serve as the go-to professional for your comprehensive personal insurance needs. For a free consultation and quote, we invite you to call us toll-free at 888.990.0526, email us or complete the form on this page.