Ask about water before the next storm
Water damage is not one single insurance category. Flood damage is generally excluded from standard homeowners and renters policies. A property owner should ask about separate flood coverage rather than assuming all storm-related water damage is addressed by the home policy.
Match the discussion to the property
Tell your agent whether the building is owner-occupied, rented or used commercially. Explain what is stored on lower levels and ask how those areas and items are treated under the flood option being considered. Building protection and contents protection should be reviewed separately. Ask for an explanation of limits, deductibles and important restrictions.
Plan around the effective date
Do not wait for a storm forecast to start the conversation. NFIP policies generally have a 30-day waiting period, with exceptions; private flood policies may have different rules. Confirm the effective date in writing. Keep your policy information and property inventory accessible outside the building so you can find them after an emergency.
Contact UPIX Insurance to discuss flood insurance options for your property. Call UPIX Insurance at (908)845-7722.
Request an insurance quoteCoverage is subject to policy terms, limits, exclusions and insurer eligibility.
