Flood Insurance


Flood Insurance Information

Tango, Tango & Tango agents are ready to answer your flood insurance questions and provide a no obligation quote

Our Long Island-based insurance agency serves Nassau and Suffolk Counties

 

An important aspect of insurance many need to understand: 

Flood losses are not covered by your homeowners insurance policy.

Floodwaters have the power to damage not only your home and sense of security, but also your financial future.

Why you should have flood insurance protection on Long Island, New York

  • Every building is in a flood zone- it is just a question of whether it’s in a low, moderate, or high-risk area. Sever weather is on the rise. Sudden downpours create storm surges, and even if you don’t live on the coast, storm surges affect inland rivers to rise and overflow. Floods can happen anywhere on Long Island.
  • Nearly 25% of all flood claims are for properties located in lower-risk flood areas or those property locations where flooding is not expected.

How can you protect your most important investment in case of flooding?

Option 1: hope that you'll receive Federal disaster relief if a flood hits.

Myth:

The U.S. government will take care of all their financial needs if they suffer damage due to flooding.

FACT:

The truth is Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan you still owe on the damaged property. 

The unfortunate truth is If your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line: if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer. 

Option 2: buy flood insurance and stay protected no matter what. 

When disaster strikes, flood insurance policyholder claims are paid whether or not a disaster is Federally declared. Flood insurance reimburses policyholders for all covered losses. Even better, unlike Federal aid, it never has to be repaid. 

IMPORTANT TO REMEMBER: Generally, flood insurance policies do not take effect until 30 days AFTER it’s purchased. So, if the weather forecast announces a flood alert for your area it’s already too late to purchase coverage. You won’t be insured if you buy a policy a few days before a flood. 

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