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New Jersey Flood Insurance

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Did you know that flooding is ranked as the #1 natural hazard in the U.S., causing damage in all 50 states? Did you also know that the average New Jersey homeowners insurance policy does not typically cover flood damage?

A New Jersey flood insurance policy can provide you with the necessary protection from damage and financial devastation caused by flooding. Even a few inches of water can cause serious damage resulting in thousands of dollars in repairs and restoration costs.

A flood insurance policy offers protection against losses resulting from heavy and lengthy rain falls, storm surges, blocked storm drains, melting snow & more.

You have a number of options when it comes to flood insurance.  NJ residents can typically choose from the following policies – based on your property’s location and flood history:

Standard Flood Insurance Policies

If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by standard flood insurance. NJ residents should be aware that the NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

Preferred Risk Flood Insurance Policies

If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren’t required to purchase flood insurance, New Jersey residents in low-to-moderate risk areas, should consider a preferred risk policy which will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

Don’t wait until it’s too late. From covering overall structural losses to your personal property, we help protect the things that matter most to you and your family with dependable New Jersey flood insurance.

Contact ADP Statewide Insurance today. We’ll get you setup with a superior flood protection package at an affordable price.

For FEMA resources or additional information click here.

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