VAC Insurance Agency provides coverage to the Brooklyn, NY community. We recognize that each of our clients has unique individual needs. That’s why we offer custom policies. We are an independent insurance agency built on honesty and professionalism. We are confident that we can help find coverage to protect your assets in any situation.

Flood Insurance Questions Answered

You never know when a disaster may occur. Flood insurance gives you a safety net if severe weather passes through the area. Here is a look at some common flood insurance questions to help you find the right policy.

What Does Flood Insurance Cover?

Flood insurance is a special type of coverage that protects your Brooklyn, NY property if it suffers flood damage. The policy covers interior and exterior damage to your home, as well as your personal items.

Is Flood Insurance Add On Coverage?

No, flood insurance is not add-on coverage. You cannot rely on your home or condo insurance to protect you if your property suffers damage. Flood insurance policies are the only way to ensure you have full coverage.

Is Flood Insurance Only For High-Risk Areas?

No, even if you don’t stay in a high-risk area, you still qualify for coverage. Accidents can happen at any time, so you have to be prepared.

When Should I Look For Coverage?

You can find a policy at any time. However, keep in mind that there is a waiting period before your coverage starts. It’s not recommended that you wait until a few days before severe weather moves into the area to find coverage. You may risk being left unprotected if a disaster happens.

VAC Insurance Agency Will Help You Find The Coverage You Need

Visit our website to learn more information about flood insurance.  

If you’re wondering if flood insurance is worth the cost, consider the alternative of paying for damage from flood disasters on your own. The cost of repairing or rebuilding your home alone could lead to financial ruin. Flood coverage from VAC Insurance Agency provides you with financial support to recover from flood disasters. Here’s why flood insurance is important to Brooklyn, NY homeowners.

New York is Prone to Flooding

New York is prone to severe rainstorms, hurricanes, and blizzards that can cause flooding. This puts New York home and business owners at risk of flood damage. With flood coverage, you’ll have financial help to recover from a flood disaster.

Floods are Extremely Destructive

Floods can cause catastrophic damage. Even a few inches of standing water can destroy the foundation of a home, not to mention cause extensive water damage to flooring, walls, furniture, and other belongings. Unless you have the funds to repair your home or replace your goods out of pocket, you will do well to protect yourself with flood insurance.

Not Everyone Qualifies for Federal Aid for Flooding

You can only apply for federal aid for flooding if your area is declared a national disaster. This aid comes in the form of loans that need to be repaid. In contrast, the financial support you receive from flood insurance doesn’t need to be reimbursed, saving you tens of thousands of dollars or more out of pocket.

Flood Coverage is Affordable

If you live in a non-flood zone area, you can obtain flood coverage at an affordable cost. You can purchase flood coverage to protect your home, your belongings, or both to give you the protection you need to recover from any unforeseen flood disaster.

To learn more about flood coverage or purchase flood insurance for your Brooklyn, NY home, call or visit VAC Insurance Agency.

Having your home protected against flood damage is essential. Severe flood damage can destroy a home. We provide flood insurance policies to Brooklyn, NY homeowners at VAC Insurance Agency.

The following are three common misconceptions about flood insurance in New York. 

New York homeowners don’t need flood insurance.

Many homes in New York are in areas that are high-risk for flood damage. It would be best if you didn’t assume that your home doesn’t need flood coverage because you are located in New York.

It’s important to look into whether your New York home is located in a flood zone. You might be surprised to find that the flood risk for your area is higher than you expected. 

A standard New York home insurance policy will cover flood damage.

One of the biggest mistakes homeowners often make regarding flood coverage is assuming that their home insurance policy covers them for floods. In fact, most standard home insurance policies in New York and other states will not provide flood damage coverage.

To enjoy flood coverage in your home, you have to invest in a flood insurance policy. Don’t expect your home insurance policy to cover flood damage. 

I can’t get flood damage for my property if it has frequently experienced flood damage before. 

The National Flood Insurance Program helps ensure that flood insurance can be secured for all homes. This means that you can get flood coverage for your home, even if it is located in an area that has experienced repeated flooding in the recent past. 

Find the right flood insurance solution for your home in Brooklyn, NY. Contact us at VAC Insurance Agency with your questions about flood insurance policies.

If you own a home or business in Brooklyn, NY, you should know the facts about flood insurance. Flood disasters have only increased over the years in different parts of the country. Flood coverage from VAC Insurance Agency can make a difference between compensation for flood damage or total loss. Here are some important facts every homeowner should know about flood insurance.

FACT: Home insurance won’t protect you from flood damage.

Home insurance covers all types of disasters to include fire, theft, tropical storms, windstorms, lightning strikes, and tornadoes. It doesn’t, however, cover flooding from severe rainstorms, rising river waters, or tidal surges. If you want flood protection, you need to buy a separate flood policy.

FACT: Approximately a quarter of flood claims in the U.S. come from people who live in low risk or moderate-risk areas.

This puts just about anyone at risk of flood damage. Smart homeowners in Brooklyn, NY will be prepared with flood insurance.

FACT: Flood policies for your home and your belongings are purchased separately.

You can purchase home coverage for replacement cost with a limit of $250,000. Coverage for your belongings, however, is only available for actual cash value with maximum limits of $100,000.

FACT: Flood policies don’t start right away; you usually have to wait 30 days before coverage goes into effect.

That’s why it’s vital to purchase your policy in advance to ensure you have the protection you need when the time comes. It’s better to be safe than sorry when it comes to the danger of flooding.

FACT: Anyone can purchase flood insurance, not just homeowners.

If you own or rent a condo, townhouse, ground floor apartment, or mobile home, you can purchase flood coverage to protect your property and belongings.

To purchase flood insurance for your Brooklyn, NY abode, call or visit VAC Insurance Agency.

Flood damage can be disastrous, as evidenced by recent floods all over the country. Over the last few years, there have been massive floods in both flood zones and areas where floods are generally not as frequent. By purchasing flood insurance from VAC Insurance Agency, you can take preventative measures to protect yourself against the threat of flooding. Here’s why you need flood coverage in Brooklyn, NY.

Home Insurance Doesn’t Cover Flood Damage

Standard home insurance in Brooklyn, NY doesn’t cover flood damage. This leaves homeowners at risk of paying for flood damage out of their own pockets. It only takes a few inches of floodwater to devastate a home and destroy personal property. Flood insurance helps compensate New York homeowners for their losses so they can recuperate quicker from a flood disaster.

Floods Can Occur Anywhere

Contrary to what many homeowners think, floods can occur anywhere, even in non-flood zone areas. If a flood hits your area, a lack of insurance can put you in jeopardy of losing everything you own. New York is prone to severe tropical and winter storms that can lead to flooding. By adding flood insurance to your home insurance package, you can be prepared for any eventuality. 

Flood Damage Can be Catastrophic

Flooding can cause tens of thousands of dollars’ worth of damage in a very short time. In a worst-case scenario, you could lose your home and all your belongings in one fell swoop. Flood coverage gives you the financial means to rebuild your home and replace your goods without having to deplete your savings or retirement funds. The affordable price of flood coverage makes it a worthwhile investment in protecting your valuable investments.

For quality flood coverage to protect your Brooklyn, NY home, call or visit an agent from VAC Insurance Agency today.