Flood Insurance in New Jersey

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With heavy rain in the forecast this week, it might be a good idea to do some research on Flood Insurance in New Jersey.

Flood Insurance policies in New Jersey are written by the National Flood Insurance Program (NFIP). Insurance companies define “floods” as a “rising and overflowing of a body of water onto normally dry
land”. The key word here is “rising” which is used to distinguish the difference between flood damage and general water damage.

Some examples of flood damage:

  • If you live by a river that overflows and washes into your home.
  • Heavy rain washes into your basement because the ground can’t absorb the water quickly enough.
  • Heavy rain or flash floods causes a mud slide that washes into your home.

In New Jersey you can only protect yourself from flood damage with a
flood insurance policy! Your homeowner’s insurance will not cover flood damage.

American Insurance Services Agency offers flood insurance in New Jersey. Contact us today to find out if your home is located in a flood plain and the details about purchasing the appropriate coverage.