Assess Your Need For Flood Insurance

Determine if you need flood insurance in Westchester County, NY.

When a flood or flash flood hits, or snow melts more than the environment can handle, damages to homes occurs. Flooding can damage the structure, leaving homes destitute, and completely destroying personal belongings. Floods have happened in all 50 states within the past 5 years which proves that everyone lives in a flood zone.

Before buying flood insurance, follow these steps:

Step 1: Assess your home's flood risk.
Floods are the number one natural disaster and occurs in all 50 states. If you live in an apartment several floors up, you are not safe from flooding. If a flood destroys the piling underneath your home and the building collapses, you have no livable place to stay and your belongings will be destroyed. Locate any dams, rivers, streams, reservoirs, and dipped valleys near you to give you an idea of the flood risk.

Step 2: Consider your worst-case situation.
As most homeowners insurance policies do not provide protection from damage caused by floods, those who suffer from floods without the proper coverage are forced to pay for damages and repairs out of pocket. If you had to replace each item in your home and rebuild your home, could you afford to do it? More often than not, people could not.

Step 3: Learn if you are eligible.
You must live in a community that participates in the National Flood Insurance Program to purchase flood insurance.

Contact Scavone Insurance Agency Center LLC for the best flood insurance policy, rate, and protection for your home or business. Located in White Plains, New York, we serve all residents with quality insurance services.