The team here at VAC Insurance Agency is here to provide Brooklyn, NY residents with all of the insurance they need to protect their homes. If you are concerned about possible flood damage, it’s time to consider a flood insurance policy. Give us a call or stop and find out more about flood insurance options available in our area.

Flood insurance options available in Brooklyn

When it comes to protecting your property, a homeowner’s insurance policy isn’t always enough. If you live in a neighborhood that is prone to flooding, it is worth your time to look into an additional flood policy to complement your home insurance. Often, water damage that is caused by floodwaters is excluded from a primary homeowner’s policy. That’s why many residents in our area opt to add flood insurance to their coverage. 

Flood insurance can help to defray the cost of repairs and it can give you the peace of mind that comes with knowing you have the protection you need. Even if your home or business isn’t located in a flood plain, that does not mean that you won’t ever experience a flood. In fact, numerous claims for water and flood damage are for properties that are located in areas that are considered to be at low risk for flooding. And, as time goes on, flood patterns can also change, which is another factor to consider when making your decision. 

Now is a great time to add a flood policy to protect your home.

Give us a call to find out more today!

If you live in the greater Brooklyn, NY area and want to learn more about flood insurance, call VAC Insurance Agency today. We can help you with all of your insurance needs!

A flood is when there is excess water is in areas that are usually dry. Although the chance of a flood is a real possibility in many parts of the USA, it is not covered under standard homeowners and renters policies in New York (NY) and needs to be purchased separately.  Depending on where you reside, the National Flood Insurance Program (NFIP), a federal program designed to assist communities, may be available. NY state is a member of NFIP.  You can purchase NFIP flood insurance through private insurers like VAC Insurance Agency serving the Brooklyn, NY area.

You can purchase flood insurance for homeowners, tenants, or business owners. Flood insurance can provide coverage for the following depending on your policy type and wording – structural damage, including water heaters, floor surfaces, and after flood clean up. Check your policy if you have any buildings not attached to the main dwelling to make sure they are included. Renter’s should check if your landlord has this type of flood insurance cover in place. An additional flood insurance premium will allow you to insure the contents of your home. Flood insurance policies offer limited coverage for business owners on their business buildings and contents.

Flood insurance is normally an annual premium and has a 30 day waiting period and therefore requires preplanning. It is also important to note that your flood insurance premium is affected by your flood insurance risk based on floodplain maps and whether you live in a special flood hazard area.

Please don’t get caught out in a storm. It is worthwhile consulting with the qualified people at VAC Insurance Agency serving the Brooklyn, NY area, about your flood insurance requirements for your property. Contact them today!

There are many types of insurance that are needed to protect your home from various disasters, accidents, and calamities. However, many people don’t think to add a flood insurance policy to their existing home insurance policy. However, most home insurance does not cover specific types of floods. This makes it essential to have a separate flood policy in case the worst should happen. To talk to an agent about flood policies, call us at VAC Insurance Agency in Brooklyn, NY.

High-Risk Flood Zones

There are many areas near bodies of water that are considered to be at high risk for floods. These areas are in places that are expected to flood on a basic schedule such as once every 10 years, once every 20 years, etc. These areas often come with mortgages that require you to have flood insurance on your home. You can’t even get the contract signed unless you agree to get flood insurance. But even if it was not required, homes in these areas should always have a flood policy. 

Low-Risk Flood Zones

If you are not in a high-risk flood zone, it’s still important to have flood coverage for your home. It gives you peace of mind so that you don’t have to get worried every time there is bad weather. It’s also important because floods can and do happen in low-risk areas. There is no area that can’t have a flood of some kind, so every home should have flood insurance. 

Getting Flood Insurance

If you don’t already have flood insurance on your home, it’s time to get it. Don’t be caught in a flood without coverage for it. To find out more about these policies, all us at VAC Insurance Agency in Brooklyn, NY.

VAC Insurance Agency provides coverage to the Brooklyn, NY community. We recognize that each of our clients has unique individual needs. That’s why we offer custom policies. We are an independent insurance agency built on honesty and professionalism. We are confident that we can help find coverage to protect your assets in any situation.

Flood Insurance Questions Answered

You never know when a disaster may occur. Flood insurance gives you a safety net if severe weather passes through the area. Here is a look at some common flood insurance questions to help you find the right policy.

What Does Flood Insurance Cover?

Flood insurance is a special type of coverage that protects your Brooklyn, NY property if it suffers flood damage. The policy covers interior and exterior damage to your home, as well as your personal items.

Is Flood Insurance Add On Coverage?

No, flood insurance is not add-on coverage. You cannot rely on your home or condo insurance to protect you if your property suffers damage. Flood insurance policies are the only way to ensure you have full coverage.

Is Flood Insurance Only For High-Risk Areas?

No, even if you don’t stay in a high-risk area, you still qualify for coverage. Accidents can happen at any time, so you have to be prepared.

When Should I Look For Coverage?

You can find a policy at any time. However, keep in mind that there is a waiting period before your coverage starts. It’s not recommended that you wait until a few days before severe weather moves into the area to find coverage. You may risk being left unprotected if a disaster happens.

VAC Insurance Agency Will Help You Find The Coverage You Need

Visit our website to learn more information about flood insurance.  

If you’re wondering if flood insurance is worth the cost, consider the alternative of paying for damage from flood disasters on your own. The cost of repairing or rebuilding your home alone could lead to financial ruin. Flood coverage from VAC Insurance Agency provides you with financial support to recover from flood disasters. Here’s why flood insurance is important to Brooklyn, NY homeowners.

New York is Prone to Flooding

New York is prone to severe rainstorms, hurricanes, and blizzards that can cause flooding. This puts New York home and business owners at risk of flood damage. With flood coverage, you’ll have financial help to recover from a flood disaster.

Floods are Extremely Destructive

Floods can cause catastrophic damage. Even a few inches of standing water can destroy the foundation of a home, not to mention cause extensive water damage to flooring, walls, furniture, and other belongings. Unless you have the funds to repair your home or replace your goods out of pocket, you will do well to protect yourself with flood insurance.

Not Everyone Qualifies for Federal Aid for Flooding

You can only apply for federal aid for flooding if your area is declared a national disaster. This aid comes in the form of loans that need to be repaid. In contrast, the financial support you receive from flood insurance doesn’t need to be reimbursed, saving you tens of thousands of dollars or more out of pocket.

Flood Coverage is Affordable

If you live in a non-flood zone area, you can obtain flood coverage at an affordable cost. You can purchase flood coverage to protect your home, your belongings, or both to give you the protection you need to recover from any unforeseen flood disaster.

To learn more about flood coverage or purchase flood insurance for your Brooklyn, NY home, call or visit VAC Insurance Agency.

Having your home protected against flood damage is essential. Severe flood damage can destroy a home. We provide flood insurance policies to Brooklyn, NY homeowners at VAC Insurance Agency.

The following are three common misconceptions about flood insurance in New York. 

New York homeowners don’t need flood insurance.

Many homes in New York are in areas that are high-risk for flood damage. It would be best if you didn’t assume that your home doesn’t need flood coverage because you are located in New York.

It’s important to look into whether your New York home is located in a flood zone. You might be surprised to find that the flood risk for your area is higher than you expected. 

A standard New York home insurance policy will cover flood damage.

One of the biggest mistakes homeowners often make regarding flood coverage is assuming that their home insurance policy covers them for floods. In fact, most standard home insurance policies in New York and other states will not provide flood damage coverage.

To enjoy flood coverage in your home, you have to invest in a flood insurance policy. Don’t expect your home insurance policy to cover flood damage. 

I can’t get flood damage for my property if it has frequently experienced flood damage before. 

The National Flood Insurance Program helps ensure that flood insurance can be secured for all homes. This means that you can get flood coverage for your home, even if it is located in an area that has experienced repeated flooding in the recent past. 

Find the right flood insurance solution for your home in Brooklyn, NY. Contact us at VAC Insurance Agency with your questions about flood insurance policies.

If you own a home or business in Brooklyn, NY, you should know the facts about flood insurance. Flood disasters have only increased over the years in different parts of the country. Flood coverage from VAC Insurance Agency can make a difference between compensation for flood damage or total loss. Here are some important facts every homeowner should know about flood insurance.

FACT: Home insurance won’t protect you from flood damage.

Home insurance covers all types of disasters to include fire, theft, tropical storms, windstorms, lightning strikes, and tornadoes. It doesn’t, however, cover flooding from severe rainstorms, rising river waters, or tidal surges. If you want flood protection, you need to buy a separate flood policy.

FACT: Approximately a quarter of flood claims in the U.S. come from people who live in low risk or moderate-risk areas.

This puts just about anyone at risk of flood damage. Smart homeowners in Brooklyn, NY will be prepared with flood insurance.

FACT: Flood policies for your home and your belongings are purchased separately.

You can purchase home coverage for replacement cost with a limit of $250,000. Coverage for your belongings, however, is only available for actual cash value with maximum limits of $100,000.

FACT: Flood policies don’t start right away; you usually have to wait 30 days before coverage goes into effect.

That’s why it’s vital to purchase your policy in advance to ensure you have the protection you need when the time comes. It’s better to be safe than sorry when it comes to the danger of flooding.

FACT: Anyone can purchase flood insurance, not just homeowners.

If you own or rent a condo, townhouse, ground floor apartment, or mobile home, you can purchase flood coverage to protect your property and belongings.

To purchase flood insurance for your Brooklyn, NY abode, call or visit VAC Insurance Agency.

Flood damage can be disastrous, as evidenced by recent floods all over the country. Over the last few years, there have been massive floods in both flood zones and areas where floods are generally not as frequent. By purchasing flood insurance from VAC Insurance Agency, you can take preventative measures to protect yourself against the threat of flooding. Here’s why you need flood coverage in Brooklyn, NY.

Home Insurance Doesn’t Cover Flood Damage

Standard home insurance in Brooklyn, NY doesn’t cover flood damage. This leaves homeowners at risk of paying for flood damage out of their own pockets. It only takes a few inches of floodwater to devastate a home and destroy personal property. Flood insurance helps compensate New York homeowners for their losses so they can recuperate quicker from a flood disaster.

Floods Can Occur Anywhere

Contrary to what many homeowners think, floods can occur anywhere, even in non-flood zone areas. If a flood hits your area, a lack of insurance can put you in jeopardy of losing everything you own. New York is prone to severe tropical and winter storms that can lead to flooding. By adding flood insurance to your home insurance package, you can be prepared for any eventuality. 

Flood Damage Can be Catastrophic

Flooding can cause tens of thousands of dollars’ worth of damage in a very short time. In a worst-case scenario, you could lose your home and all your belongings in one fell swoop. Flood coverage gives you the financial means to rebuild your home and replace your goods without having to deplete your savings or retirement funds. The affordable price of flood coverage makes it a worthwhile investment in protecting your valuable investments.

For quality flood coverage to protect your Brooklyn, NY home, call or visit an agent from VAC Insurance Agency today.