When residents of Westchester, New York, consider insuring their homes or businesses, they should consider the risk of flooding. Hurricanes, severe thunderstorms, and other weather events have the potential to trigger significant floods in this region. Long before a storm appears in the weather forecast, it’s important to start thinking about whether and when you need flood insurance.
Do You Need It?
Standard homes, renters, or commercial policies usually do not cover flooding. You’ll need to buy separate flood coverage if you want to protect your property from this natural disaster. Be aware that a landlord or mortgage lender may require this insurance if you live in a high-risk area.
When deciding whether to purchase coverage, consider your location and any local history of flooding. Consider your elevation and proximity to nearby bodies of water. Can water easily drain from the surrounding area, or are you surrounded by asphalt and concrete? Resources like First Street and FEMA flood maps may help you evaluate the risk level in your neighborhood.
When to Sign Up
If you decide that you need flood insurance, don’t put off the process of requesting quotes and setting up a policy. Most insurers have waiting periods of around 30 days. However, there are some exceptions. You can usually get immediate coverage when taking out a mortgage. Likewise, the waiting period is only one day if the federal government has recently determined that you’re in a high-risk zone.
Westchester, NY residents who need flood coverage can benefit from contacting ASZ International Inc. Our independent local agency gives home and business owners access to various trusted flood insurance providers. To request a quote or get detailed answers to your questions, please call 800-694-0279 to reach the friendly staff at ASZ International Inc.
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