Flood Insurance

Structural flooding can result from hurricanes, storms, melting snow or overloaded drainage systems, or broken water mains. Make it a priority to protect your residence, business, or industrial property and its contents with flood insurance. Without it, you could face substantial hurdles to restoring your property.

Is Flood Insurance Mandatory for Home and Business Owners?

Traditional home and commercial insurance policies do not cover damage resulting from flooding. While it is not legally mandated to have flood insurance on a state or federal level, those with a federally funded mortgage or refinancing loan in flood-prone areas will be required to carry some level of coverage for the life of the loan.

Home and business owners can apply for a policy through the government-backed National Flood Insurance Program (NFIP) or opt for private flood insurance. Both policies can be secured through an experienced insurance agency like The Washwick Agency. Businesses who opt for private insurance will want to consider adding both components of these policies, including structural and content damage.

What’s Covered Under Flood Insurance?

Flood insurance covers the cost of damage that occurs on your physical property. This typically includes the property’s structures, systems, and specific permanent interior installations. These entail:

• Mechanical Systems & Equipment
• Electrical Systems
• Plumbing Components
• Heating and Cooling Systems
• Water Heaters
• Appliances
• Flooring
• Cabinets & Shelves
• Window Blinds

Most policies also cover personal belongings and non-permanent items in the structure, such as:

• Clothing
• Furniture & Office Supplies
• Electronics
• Non-permanent Appliances
• Window Treatments
• Artwork
• Rugs and Tapestries
• Certain Valuables Up to a Specific Amount

Rely on The Washwick Agency for Flood Insurance

The Washwick Agency is a family-owned and operated insurance provider for home and business owners in Bethlehem, NH, Riverhead, NY, and the surrounding communities of Nassau, Suffolk Counties, and New York Metro area. Call us and get a quote for flood insurance today.