The time for flood insurance is now. You don’t have to live on the coast of Long Island to be concerned about your home flooding. It happens all over Long Island.
You don't have to live in a flood zone to purchase flood insurance
Long Island has a lot of coastal communities. Makes sense, it is an island. However, coastal communities aren’t the only ones dealing with home floods. Plenty of homeowners buying homes further inland should think about purchasing flood insurance.
Standard Homeowners Insurance doesn’t cover floods
Many homeowners don’t know their homeowners policy doesn’t cover flooding. Why? Unfortunately, it’s because many Long Island home owners are purchasing insurance from larger companies not familiar with the intricacies of Long Island living.
When you call an 800 number and purchase your insurance, you’re not getting the personalized attention to your needs. It’s all about selling you a policy, and moving the customer through a type of “assembly line.” The end result is a subpar policy that the mortgage company is okay with, and you think covers your home and belongings.
Unfortunately, if you aren’t sure of the questions to ask, you’ll never know you aren’t prepared until you home floods and you’re unable to receive payments on claims.
The time for flood insurance is now
Speak to a Long Island-based insurance agent. Tango Insurance agents live on Long Island, own homes on Long Island, and are well-versed about what a home owner needs as far as their homeowners insurance, and if flood insurance is a good idea.
One of the KEY parts of flood insurance: it has to be purchased 30 days prior to a flood happening in your home. Clearly no one is psychic, and knows exactly when a hurricane is going to barrel through Long Island and cause flooding in your home.
It’s important to sit down with a knowledgable insurance agent, with plenty of experience in flood insurance. There’s different kinds of flood insurance, some covers your home, some covers your belongings…. and it’s best to have a highly trained agent by your side when planning a flood insurance policy.
Don’t wait! The time for flood insurance is now! Give us a call at 631.543.0500, or visit us at our Commack office in the Northgate Shopping Center on Jericho Turnpike.