We can help you prepare for super-stormy weather.

Flood Insurance Choices from SB One Insurance Agency

The grim images Super Storm Sandy and its catastrophic effects are etched in our collective memory. Many of the coastal corridors in New Jersey and New York experienced devastating losses, along with other regions where rivers and creeks not typically accustomed to flooding were breached. Realizing more than ever how flooding can happen anywhere, New Jersey and New York residents are turning to SB One Insurance Agency for assistance in understanding the insurance options available to them that will offer protection from the storm.

How to obtain insurance for floods.

Protection is available from the National Flood Insurance Program (NFIP), which offers up to $250,000 in coverage for physical damage to your insured property that occurs as a direct cause of floodwater. The policy generally excludes the contents of the home, but enhancements of up to $100,000 are also available. What’s more, SB One is experienced in obtaining coverage from alternate markets for our clients who reside in more flood-prone locations, resulting in coverage that is better suited and better priced for the exposures they endure.

If you own a high-value home, we’re likely to recommend excess flood insurance for you, which affords a greater amount of protection for the structure and contents via major increases in policy limits. In the event of a flood, an excess flood policy can pay for additional living expenses should the residence be rendered unsuitable for occupancy and is being repaired.

Many residents found out the hard way that the standard homeowners insurance policy does not include protection for flood damage, regardless of whether they have a sump pump rider or sewage and backup insurance. Again, flood insurance is what will save the day here—even offering protection in the event a rush of water creates a mudflow that damages your home.

We start evaluating your needs with a careful review of federal flood maps to determine the flood zone in which your property is located. We combine this with your property details, such as presence of a basement and low-lying windows, to pinpoint what type of insurance is called for, how much coverage is needed, and how much it will cost.

SB One is ready to serve your insurance needs.

At SB One Insurance Agency, we understand what matters most to you and your family, and we have insurance solutions to meet your needs every step of the way. Our success hinges on our unique ability to build strong personal relationships with our customers in order to provide best-in-class insurance solutions. Give our professionals a call toll-free at 888.990.0526, email us or fill out and send the form on this page for a free consultation and quote.