Every year the same question about insurance rolls around about this time. "Do people really need flood insurance for Long Island NY homes?"
Consider this: Hurricane season in the Atlantic began June 1st and ends November 30th. The Eastern Pacific hurricane season began May 15th and also ends November 30th.
Hurricanes don't just affect coastal homes, but flooding well inland often occurs with land falling tropical systems.
Hurricanes are strong storms that can be life-threatening as well as cause serious property-threatening hazards such as flooding, storm surge, high winds and tornadoes. Preparation is the best protection against the dangers of a hurricane. And that includes deciding whether flood insurance for Long Island NY homes is a smart investment.
Hurricanes cause heavy rains that can cause extensive flood damage in coastal as well as inland areas. Everyone is at risk and should consider flood insurance protection. Flood insurance is the only way to financially protect your property or business from flood damage.
Predictions are pointing to the 2014 hurricane season being a mild season with a below average number of named storms predicted. But it only takes one storm hitting our area to make it a tragic season. In 1992, Hurricane Andrew was one of only four hurricanes that season. Still, it created widespread destruction.
Regardless of whether 2014 is active, or inactive, don't be caught off-guard. A regular homeowner's insurance policy does not cover Long Island NY homes for rising water. You need flood insurance to cover this, and in order to get flood insurance, you must have your flood insurance policy in force for a full 30 days before it will cover your property. And once there is a named storm anywhere in the Atlantic, no new policies can be written to cover that storm.
Flood insurance for Long Island NY homes is the only way to make sure your assets are covered in the event the Long Island NY area experiences any sort of flooding from rising water, not just from tropical storms. Consider yourself warned.
Find more tips under Long Island NY Insurance below Long Island NY Real Estate Categories to your right to help you decide if flood insurance is right for you.