Dirus & Sons

2100 Corlies Ave, Unit 4
Neptune City, NJ 07753

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Flood Insurance in New Jersey

One of the most common natural disasters is flooding. For instance, an average homeowner is likely to incur flood damage five times more than fire damage. The chances increase if you live in a high or medium risk zone. Your New Jersey homeowner's insurance policy does not cover flood damage and carrying out repairs out of your pocket can be burdensome.

How Does Flooding Insurance Help?

A flood insurance policy from an insurer like Dirus & Sons in Neptune, NJ is designed to offer protection from floods and help you minimize the escalating expenses of repairing your damaged building and contents when flooding occurs. You will have peace of mind knowing that your insurer will cover all the expenses, including relocating you a new residence for a while as your house gets repaired. However, if you don't have this plan, you will be forced to pay all the expenses out of your pocket.

How Much Will You Pay?

There isn't a specific policy cost that each homeowner should pay. Basically, your coverage cost is determined by the value of your home, its location, and the possessions you have. If you live in a high-risk area, you premiums could be very high.

Does the Law Require You to Buy Flood Insurance?

In case your mortgage is backed by the federal government and you live in a high-risk zone, you will be required by law to buy flood insurance in order to secure a loan. Additionally, in case you have received a federal grant for a flood loss that occurred previously, you must have a flood insurance plan to qualify for aid in the future.

It's important to know that your typical homeowner's insurance doesn't cover earthquakes or tornados. Most plans also exclude the damages that occur due to flooding. You will only be safe when you get flood insurance. If you live in New Jersey and you require flood insurance, consider contacting Dirus & Sons in Neptune, NJ to get a plan.

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