Essex County Flood Insurance: Protecting Your Home
Of all the circumstances that can cause damage to your home, flood waters are at the top of the list. You might not know that floods are the #1 natural disaster in the United States.
New Jersey and Essex County in particular have been no stranger to flood damage with severe effects from both Hurricane Irene in 2011 and Hurricane Sandy in 2012. Those who remember the damage will tell you, as well as the statistics, that having flood insurance in nj is important.
People often reason against getting flood insurance because they already have commercial property insurance or they think that they will get federal disaster assistance should a flood occur. Both of these reasons, however, do not hold up given the facts. You should consider flood insurance as one of the most important forms of protection for your home and/or business.
For one, flood damage isn’t covered under standard commercial property insurance. The State of New Jersey Department of Banking & Insurance describes a flood as a “partial or complete inundation of normally dry land.” In addition, federal disaster assistance cannot be relied on as it has historically covered less than half of all flooding disasters.
In the case of flood waters, your home can suffer extreme damage to electrical wiring, plumbing systems, building foundation and more. Flash floods can happen in the blink of an eye, so it is important to be prepared ahead of time. To fully protect your home, you should consider flood insurance.
Tri-State Insurance Company can protect your home with a flood policy to fit your specific needs. In addition to covering damage to the bones of the house, your Essex County Flood Insurance policy can also cover bookcases, cabinetry and carpets. We also have flood policies for manufacturing insurance and wholesaler insurance.
Tri-State Insurance Agency provides a full insurance portfolio for companies throughout Pennsylvania, northern New Jersey and New York. Call us toll-fee at 888.990.0526 to see how we can help and protect your home against flood damage.