Information for Sandy Victims Without Flood Insurance

Information for Sandy Victims Without Flood Insurance

Hurricane Sandy flood damage on the Jersey Shore | flood insuranceFall 2012- Hurricane Sandy has shut down much of New Jersey, and residents are struggling to make repairs, file insurance claims, and get back on their feet. While most people have homeowners insurance or property and liability insurance for their businesses, many coastal New Jersey residents are realizing that their homeowners/property insurance policies do not cover flood damage.

If  you do have flood insurance, see our previous post for information about filing storm damage insurance claims, as well as a list of 24-hour insurance claims contact numbers. If you do not have flood insurance, the Federal Emergency Management Agency (FEMA) is a great resource for information and assistance.

The president has declared New Jersey a disaster area, which means that federal funds will now be available to storm victims. (This is not limited to those without flood insurance.) This federal disaster assistance usually takes the form of low-interest loans to help home and business owners rebuild, which you can learn more about on the Disaster Loan page.

There are a wide variety of programs available to help you during this difficult time, including financial and insurance support. Take a look at How to Get Housing Help, or if you are a business owner, check out What to Do if Your Business or Farm Was Damaged. has lots of information compiled in one place to help you move on and rebuild your life after Hurricane Sandy, and FEMA's New Jersey page also contains valuable information.

For help navigating flood insurance and other types of business and homeowners insurance for your coastal New Jersey home, contact Connelly-Campion-Wright Insurance. Due to the devastation in Belmar, we are working remotely to help our clients through the storm damage claims process, but you can still contact us through our email address at

photo: Hurricane Sandy damage in Belmar via CBS News