Why Flood Insurance Is Necessary In Every Home

Many homeowners in New York are not equipped with flood insurance simply because they are not in an official flood zone. While flood insurance is not required in non-flood zone areas of New York, it is recommended and many homeowners have unfortunately suffered tragedies and significant financial burdens due to a lack of this insurance. For homeowners in or around the Selden, NY area, XL Brokerage Inc. agency has a flood insurance policy available to protect them from the situations below that will prompt their need for this policy.

Heavy Rainfall

Flash flooding has the ability to occur at any point in the state of New York and can cause flooding in that general area in which the rain is falling. During this weather, an area is overloaded with a lot of heavy rainfall in a short time. During this time, the rain is dumped on the ground below, but it is unable to absorb in the ground or find a water source to flow before it causes significant damage. With this much water in an area and nowhere to go, it begins to flood homes and buildings in areas that may not be defined as an official ”flood zone.”

Dam or Reservoir Breaking

New York is home to several dams and reservoirs that are designed to contain water. Should these areas have a break or overflow, this water will be traveling quickly and flood homes directly in its path until it reaches other water sources, and eventually the ocean. 

Get Flood Coverage Today

Unexpected weather and accidents can be damaging to homeowners. The XL Brokerage Inc. agency serves the homeowners in Selden, NY and is available for your policy needs. For more information contact our agents today to receive your flood insurance coverage.