Flood Insurance in Suffolk County NY Do You Really Need It?

Suffolk Flood Insurance

Suffolk Flood Insurance

A lot of people in Suffolk County NY may be inclined to say that getting flood insurance is a waste of money, but the truth is that the risk of floods in low lying areas surrounded by water is very high. Therefore, people who live in such areas, especially those in Suffolk County NY, are exposed to a much greater risk of having their property flooded and greatly damaged in the process. To avoid playing financial Russian roulette, it’s greatly recommended that they get flood insurance.

 

Flood Insurance If You’re Not Near Water?

Did you know that over 20% of flood claims come from properties that are located outside of the high-risk flood area?  Although flood insurance is not required for a mortgage, you should still consider purchasing a flood policy.  In fact, the majority of Long Island, NY is located in flood zone X, a non-hazard zone.

Just think about what would happen to your property if it were to be covered in 2 to 3 inches of water. If you’re an average homeowner, then you may have more than one electrical extension and/or cord on the floor which, as you can imagine, can put your entire home and also your safety at risk. In the event of even a very small flood occurring, not only your safety, but that of your entire family will be threatened.

When the ground is saturated, ground water will eventually start to meet the rain water. And if you think about it, it won’t take much to notice a great rise in innocuous bodies of water, including ponds and also streams. When the ground is overly saturated with water, it won’t take much for it to siphon off rain water and cause a flood.



Floods can happen when rain water and ground water meet, causing excessive rain runoff, but they can also happen when the ground is overly saturated. Regardless of where you live, you’re certainly going to notice that water saturation has increased after a long and heavy rain. If you’re still not convinced, then you may want to ask those who lived in a non-flood plain area where Hurricane Katrina and Hurricane Floyd wrecked havoc.

No matter where you live, you are still at risk of getting flooded and that is also true for citizens of Suffolk Country NY area. The good news is that getting flood insurance can be affordable and it’s going to protect you against the many damages and risks of having your home flooded. Without it, any damages will have to be paid out of pocket and the costs can easily pile up. In fact, getting flood insurance can make the difference between being able to rebuild and being financially ruined.

If you’d like to learn more about flood insurance and how to get the best policy for your home, please be sure to visit the FEMA website and click on the National Flood Insurance Program.

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View the Coastal Insurance Video Library  to find helpful video’s explaining everything from, how to save money on Homeowners Insurance to an easy explanation of Flood Insurance. Call today (631-782-3175) to speak with one of our underwriting experts.  Fast Quotes, A.M. Best Rates & Free Advice.


What Does Flood Insurance Cover That My Homeowners Doesn’t?





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