Fall 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.
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 firstname.lastname@example.org.
photo: Hurricane Sandy damage in Belmar via CBS News