Your homeowner’s policy will not cover damage that results from flooding, which is defined as water entering your home at or below ground level. Flood insurance is a separate insurance that needs to be purchased whether you live in an area typically affected by hurricanes or heavy storms, or you are in an area not known for flooding. Floods can happen quickly and without notice.
Important information to consider: There is a 30-day wait period for a flood insurance policy to be active. You cannot wait until a flood is imminent before you protect yourself with this coverage. Let us help you assess the risk and ensure you are properly protected in the event of a flood.
Flood insurance is available to many who live in these communities, including:
If you are in a high-risk flood area and have a mortgage, you may be required to buy flood insurance. Check with FEMA to see if your home or business is located in one of the at-risk communities, or reach out to our team to discuss the need for flood insurance in your area.
If you live in a flood plain and need flood insurance protection, we are here to serve. Our insurance experts will help you find and purchase a flood insurance policy that will protect your home and its contents well. We have a number of policies available that fulfill the requirements of FEMA and NFIP, so you can have the right protection in place. We have been serving the local community since 1892 and have over a century of experience to put to work for you.
Call Birtwhistle & Livingston at (201) 568-5001 to learn more about flood insurance options in your community or to learn if you need flood insurance.