Homeowner’s Insurance does NOT cover Flood

Homeowner’s Insurance does NOT cover Flood

New Jersey storm damage repair contractorsSpring 2013- With the beginning of Hurricane Season on June 1st, Superstorm Sandy still weighs heavily on our minds here at the Jersey Shore.  Each year, homeowners and business owners across the nation sustain significant weather-related property damage due to floods. These can include losses caused by waves, tidal waters, the overflow of a body of water, the rapid accumulation or runoff of surface water, and mudslide. In nearly all cases, these flood losses cannot be prevented or even anticipated.  And in many cases, the losses are devastating.


Most standard property insurance policies do NOT provide coverage for flood losses. While flood coverage is often available – primarily through the National Flood Insurance Program – it is rarely purchased. Unfortunately, each year we find that some policyholders are surprised and disappointed to learn that damages they have suffered as a direct result of the flood are not covered under the policies they have purchased. Click here to determine the Cost of Flooding.


At CCW Insurance, we are insurance advisors and will review your policy and work with your to determine the need for flood insurance. Please keep in mind that floods can, and do, occur in locations all over the country. They are NOT limited to coastal areas or location with nearby rivers and streams. Several inches of rain falling over a short period of time can cause flood damage, even in normally dry areas that are not prone to flooding.


We can help to assess this risk and provide you with information on the flood insurance available through companies such as Travelers Insurance that has a “Write Your-Own- Flood” program, which enables them to write flood insurance through the National Flood Insurance Program. Contact us today at ccw@ccwinsurance.com to review your current homeowner’s policy and to determine how much flood insurance you should have.



Source – Travelers Insurance Company 5/13