Did you know that flooding is ranked #1 in natural hazards in the US? Despite what some people may think, flooding affects every single one of the states, and New York is no different.

 

Because of this, it is very important that you have a policy for flood insurance. NY homeowners should know that flood insurance is never included in a home insurance policy, so it is crucial that you have a stand-alone policy for flood insurane in NY.

 

Commercial buildings are also insurable for flood.

 

Depending upon both your property's location and flood history, here are various options avaiable. These include standard flood insurance policies for communities that participate in the National Flood Insurance Program (NFIP), and Preferred Risk Flood Insurance for those people in low or moderate risk areas.

 

Excess flood coverage is also available.

 

Want to find out more about how to get flood insurance? Please call Carter-MGM Insurance Agency at 845-454-1500. We will be able to tell you which type of flood insurance you need, and get started in the process of protecting your home.

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