Flood Insurance

Flood
Flood

flooding
flooding

water on street
water on street

Flood
Flood

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Whats covered?

Talk to us so we can discuss what is and isn’t covered by your policy. Know what is and is not covered. Contents are not covered by a building/structure (flood) policy. To cover your belongings or contents within a building, you'll need to add contents coverage to your existing home policy. Damage caused by a sewer backup is only covered by flood insurance if it's a direct result of flooding; the damage is not covered if the backup is caused by some other problem. 

  • Contents and building coverage are purchased separately but there are always separate deductibles. Unless you have contents coverage, your flood-damaged contents are not covered.

Whats not covered?

  • Damage caused by moisture, mildew or mold that could have been avoided by the property owner or which are not attributable to the flood

  • Damage caused by earth movement, even if the earth movement is caused by flood

  • Additional living expenses, such as temporary housing, while the building is being repaired or is unable to be occupied

  • Loss of use or access to the insured property

  • Financial losses caused by business interruption

  • Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs and swimming pools

  • Currency, precious metals and valuable papers such as stock certificates

  • Most self-propelled vehicles such as cars, including their parts 

What else should I know?

As with other insurance plans, a higher deductible will lower the premium you pay but will also reduce your claim payment, meaning you will need to cover the difference out of your own pocket. Sometimes a mortgage lender will set a maximum amount for your deductible.

Is there a 30-day waiting period?

Typically, there’s a 30-day waiting period from date of purchase until your policy goes into effect. Here are the exceptions:

  • If a building is newly designated in the high-risk Special Flood Hazard Area (SFHA) and you purchase flood insurance within the 13-month period following a map revision, there is a 1-day waiting period.

  • If you purchase flood insurance in connection with making, increasing, extending or renewing your mortgage loan, there is no waiting period.

  • If you select additional insurance as an option on your insurance policy renewal bill, there is no waiting period.

  • If a property is affected by flooding on burned federal land and the policy is purchased within 60 days of the fire-containment date, there may be no waiting period. Waiving of the waiting period is determined at the time of claim.

What is an elevation certificate and why might I need one?

We may ask you for an Elevation Certificate (EC). This certificate verifies your building’s elevation compared to the estimated height floodwaters will reach in a major flood in a high-risk flood area.

It’s also beneficial to ask if your community participates in the Community Rating System (CRS), because this could mean local officials already have a copy of your EC on file. Policyholders with insured properties in communities that participate in CRS may be eligible for policy discounts.

A property owner in a high-risk flood area always has the right to purchase an EC, which may reduce your flood insurance premium. Please contact us for further information.

13 W Main Street Washingtonvile New Yok 10992
Washingtonville

13 W Main St.

Washingtonville NY 

10992

(845) 497-1119

45 front st millbrook ny 12545
Millbrook

45 Front St.

Millbrook NY

12545

(845) 677-5653

15 w main st port jervis ny 12771
Port Jervis

15 W Main St

Port Jervis NY

12771

(845) 856-6559

402 main st port jefferson ny 11777
Port Jefferson

402 Main St

Port Jefferson NY

11777

(631) 474-7070