Flooding is, unfortunately, a common occurrence in Brooklyn, NY, and it’s expected to become even more frequent in the coming decades. Flood insurance is crucial for safeguarding your home and assets against flood damage. However, it’s important to understand its limitations so you can plan accordingly.
Flood Insurance and Outdoor Structures
Generally, flood insurance will cover a detached garage. However, it typically does not cover other outdoor structures such as porches, decks, swimming pools, fences, or well/septic systems. Additionally, your vehicle and any personal belongings inside it are not covered, even if the vehicle is parked in the garage. To protect your vehicle from flood damage, you’ll need comprehensive auto insurance.
If you have personal items outside, such as plants, bicycles, or sports equipment, it’s best to bring them indoors. Store them on the first or second floor of your home, as your flood insurance policy may not cover personal property in the basement.
Keep in mind that what is and isn’t covered by a flood insurance policy depends mainly on the specific policy you choose. Be sure to read the fine print carefully and consult your insurance agency with any questions you may have.
Call VAC Insurance Agency for More Information
VAC Insurance Agency understands the devastating impact of flooding on residents in and around Brooklyn, NY. We are committed to helping local homeowners and business owners find the best flood insurance coverage at a reasonable price. If you’re looking for flood insurance, contact us today. We’ll review policies with you, answer your questions, and help you secure the coverage you need.
