In the state of New York homeowners are typically required to maintain flood insurance due to the flood prone areas present in the state. Selden, NY residents – and all other New York residents – need to be sure to check with their insurance agents regarding coverage requirements. The Federal Emergency Management Agency is firmly committed to making sure that residents in this state have flood coverage and thus you will find that it is typically offered at the same time as you buy your homeowner’s insurance.
It is important to understand that flood coverage is not included in the typical homeowner’s insurance policy. If you are eligible to get this type of coverage, your independent agent can usually offer it as an add-on to your homeowner’s coverage, which makes it easy to make one single payment each month.
Flood coverage can vary by policy, but in general it provides compensation for personal losses due to floods. This can also include a non-flood is there is an excessive amount of water on an area that is typically a dry one.
Sewer issues like back-ups may also be covered by this insurance, but only if that back-up happened at a time when flooding was present. The exact definition of when flooding is present will vary by policy, but in general it will be measured by how much of your property is actually covered by the flood. For example, a policy might cover flooding damages when they occur on one or more acres of land.
Like other types of insurance, flood insurance can be just as unique as the person who buys the policy. Be sure to talk to agents like those at XL Brokerage to make sure you are getting a good flood coverage policy that meets all your needs!
If you have New York car insurance, you are already protected for many of the most common things that might befall your vehicle. One of the things that New York drivers may have to deal with on a fairly regular basis is the possibility of hail damage, due to our incredibly cold winters. While ice pellets falling from the sky is not an absolute guarantee of car damage, it is unfortunately sometimes hard enough to dent your vehicle. When the hail gets really big, like the baseball sized hail that has been recorded in past years, it can really take a toll on your formerly beautiful car or truck.
If you have hail damage and you need to file a claim on your insurance, the first and most important thing that you need to do is to contact your agent. Your agent will be able to help you get started on the paperwork needed to file your claim. In some cases, you can get started with your claim over the phone or even over the Internet. Ask your agent for the easiest and fastest way to get started and they can point you in the right direction!
Another important thing that you can do to help get your hail damage claim filed properly is to document the damage. While you will usually have an insurance adjuster take a look at the damage to help establish a repair cost, you can make sure the adjuster doesn’t miss anything by taking photos of all the damage. You can file the photos away if you like, but let your insurance agent know that you did photograph the damage in case they need a closer look.
Having the right New York car insurance policy is a big part of having easy insurance claims. Consider using an independent agent like XL Brokerage to help you compare policies so you can have the right policy and the right price! Use the free easy quote comparison tool online or call us anytime to get quotes from all the major insurance providers!