Your comprehensive home policy may cover you in the event of loss or damage due to storms and some weather-related incidents, but if you are in a designated flood area in New York, an additional flood insurance policy will be necessary.
Flood insurance coverage can protect your home and belongings in the event that there is water damage due to a flood event. Many storms can trigger flooding, and even if the damage from the initial storm is covered, a subsequent loss due to the flood will not be covered under the same policy.
Work with Heritage Insurance Agency, Inc. and Protect Your New York Home from Floods
If you are confused about flood insurance and how it fits into your comprehensive home policy, you are not alone. This type of insurance can be confusing, and it is helpful to work with an experienced agent who can inform you of the intricacies of flood insurance and how it works to cover gaps in your home owner's policy.
Flood insurance covers very specific events, and while you may not be required to carry it, your agent can help you determine if this coverage is a smart choice for you and your family. We can also conduct a review of your homeowner's policy to make sure that all of the appropriate coverage is in place. We are proud of the high level of service that we provide to our clients.
Weather can be unpredictable, and the last thing that anyone wants is to find out that the flood damage in their home is not covered by their insurance. Call or stop by Heritage Insurance today for a comprehensive review of your home and flood policies. Make sure that you have the right coverage in place before you need it!