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Flood

Since standard property insurance forms do not typically cover flood losses, all property owners should seriously consider procuring flood insurance.

If you live or own business property in a community that participates in the National Flood Insurance Program (NFIP) then you can qualify for National Flood Insurance. If your home or business has a lender then they will actually require flood insurance in high-risk flood zones. Even if you are located in a moderate or low risk flood zone, data shows that 33% of all flood losses occur right where you are. Even if your community has never flooded in the past, poor drainage systems, rapid accumulation of rainfall, snowmelt, and broken water mains can all result in flood. That could be very bad news for someone under the impression that their Homeowners or Property insurance would cover a flood loss. The good news is that the cost of coverage in moderate and low risk zones through a Preferred Risk Policy is often very affordable.

Over a 35 year period, NJ ranks #3 in the number of Flood claims filed and we here at ADP Statewide have the expertise to help you navigate through the Flood Insurance Reform Act of 2012 which includes revised federal laws based on the most recent hazard data.

Contact us to discuss coverage or request a quote to start the process to secure your Flood Policy.

You can find information about the NFIP here

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325 Columbia Turnpike
Suite 106
Florham Park, NJ 07932
Tel: 973-538-6300