05 Dec Protection from the Unpredictable Wrath of Mother Nature
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. At Colstan & Associates, we specialize in flood insurance on Long Island, helping homeowners protect their properties from unexpected flood damage.
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 an area prone to flooding.
Flood Insurance protects your building, property and can include coverage for high-value items such as your water heater and furnace, appliances, carpeting, foundation, anchorage systems, stairs, garage, solar panels, contents of your home and more.
Almost any insurance agency can sell flood insurance, and FEMA regulates the premiums. However, working with experienced agents who understand your risks and coverage needs is key to finding the best value.