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Colstan & Associates is Long Island's Flood Insurance Expert   Homeowners Insurance does not cover damages caused by flooding and Umbrella insurance does not cover it either. Unfortunately, Mother Nature can be unpredictable and Long Island is particularly susceptible to flooding -with over 15% of its residents living in a flood zone. If you live in a flood zone, Flood Insurance is mandatory. Long Islanders should be aware of the fact that the Federal Emergency Management Agency (FEMA) changes the flood zone areas frequently. The largest flood zones on Long Island are found along the South Shore and stretch the entire length of the Island. The most susceptible areas are: Fire Island. Inland, Amityville Harbor, Atlantic Beach, Long Beach, South Oyster Bay, Middle Bay, East Bay, and Montauk Point. However, the North Shore and Peconic are not without their areas of caution. If you can see water on Long Island, you are likely within...

While safe driving is essential throughout the year, following some simple safety tips this Autumn will make you a safer driver.   Alter Driving Habits Autumn is typically a damp season, with cooler and foggier days and nights. When driving in fog, set your headlights to low beam. This allows the beams of light to point downward, toward the roadway. As the temperatures cool, frost will often form on the roadway, causing hazardous driving conditions. Bridges and overpasses freeze more quickly, so take special caution by slowing down and breaking gently. Also, be aware that black ice can form on roadways as well.   Adjust for Fewer Hours of Daylight In the Fall, there are fewer hours of daylight. In the earlier evening, it is common for children to be outside playing or riding bikes. Neighbors may be walking dogs or taking an early evening stroll. In the fading light of dusk, it is more difficult to see...

When you buy a boat, yacht, jet ski, you can’t help but think of all the fun you’re going to have on the water. There are important considerations you have to take to keep your investment secure and have peace of mind Here are the most common types of Boat/Yacht and Marine Insurance: Boat Insurance: Boat insurance protects your boat just as auto insurance protects your car. A boat insurance policy may cover you and your boat or personal watercraft against liability and damage in the case of a boating accident. In addition, Boat Insurance can also cover your motorboat, sailboat, or other types of watercraft in the event it is stolen. Towing and Assistance Coverage: With this coverage you can transport your boat/yacht to a repair facility when it’s inoperable and you’re stranded. Other emergency services such as gas delivery for boats and roadside aid are granted with this policy. Agreed Value: Whether your boat is...

Here are some benefits of having Umbrella Insurance. When people get insurance they think of the basics: Homeowners/Renters, Auto Insurance, and Life Insurance. They think that is all they need. However, they need much more. Umbrella Insurance, also known as Excess Liability Insurance, is a way to protect you financially. This can protect someone if they are being sued, they have hit the limit on their Auto Insurance, or their Homeowner’s Insurance has been reached.   No one truly knows when a situation may arise where you will need the extra cushion in your life. Umbrella Insurance is just the extra cushion you need in your life. Having this policy will be able to help when other insurances are limited in their ability to help you. In other terms it takes care of the gaps in your coverage. Umbrella Insurance is very affordable and easy to obtain. It starts by reaching out to Colstan and Associates. When reaching out to us will...