Homeowners in Selden, New York may be facing the increased risk of flooding throughout their home. However, having the right type of insurance policy can help to minimize risks. It is often recommended that individuals in this area carry a flood insurance policy, providing specific damage protection in the area.
What Does It Cover?
The specific coverage provided by flood insurance will range from one policy to the next. It is always best for individuals to verify the details of such a policy before purchasing it. In many cases, though, it will provide for the following coverage:
· It will cover the building and your utilities, including the electrical and plumbing components.
· It generally will pay for replacements for appliances.
· It will pay for the removal of flood waters, including the removal of debris.
· It often will pay for the rebuilding of walls lost to the flooding, such as damage to drywall.
Coverage is often limited for replacement of items such as jewelry, electronics, and art. Read your specific policy terms to know if this is covered or if your standard insurance policy will provide this protection.
Read through your policy carefully to understand what limitations may be in place. Often times, this policy does not pay for temporary housing or damage to outdoor structures, including fencing and hot tubs. In some cases, mold, a common problem associated with flooding, is also not covered by the policy.
To ensure your Selden, New York home is protected, contact an independent agent in our offices. We will work with you to ensure all of your needs are covered; including flood debris, so you can rest easy knowing your home is protected. Contact us today for more information and guidance on getting a policy that provides complete protection for your home.