Flood insurance will protect your house and personal items in case it suffers from water damage due to flood. It is a good idea to shop around for flood insurance if you live in denoted lowlands, floodplains or floodways.
Personal flood insurance is designed for homeowners looking to protect their most significant assets from water damage.
This coverage will protect both;
1) The physical structure of the covered house
2) The items in the house
Commercial flood insurance is meant for businesses that are located in a risky flood area.
This coverage protects both;
1) The physical location of your business
2) And material contents and assets that are located on the premise.
This policy will protect your business if your floors, walls, ceilings, equipment, etc. sustain any sort of flood water damage
Please reach us at info@hunterrobertagency.com if you cannot find an answer to your question.
The specifics of what’s covered may vary depending on your policy, but for the most part, flood policies may cover losses from floods caused by rainstorms, snowmelt, storm drainage systems, and dam failures.
Costs for your flood policy may depend on the amount of risk for flooding in the area where your home is.
For most homeowners, floods are a low likelihood but high-cost risk. If you are hit by flooding you could lose most of your personal possessions, face major reconstruction work, or even be left homeless for months while your property is made habitable again. In most cases, not having coverage for flooding is a chance you simply can’t afford to take. There are many factors that go into tailoring a policy for your home, so it’s important to understand the reality of insurance and why it’s important to have it.
Do you need flood insurance for your home? Contact us to go over the benefits of obtaining a separate policy to fill in the gaps of your home insurance policy.
510 Hempstead Turnpike STE 212, West Hempstead, New York 11552, United States
Phone: (516) 418-8000 Email: info@hunterrobertagency.com