Prevent Thousands in Damage With Flood Insurance

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Are Flood Losses Covered by Homeowners Insurance?

Absolutely not!  And even worse is the fact that until Hurricane Sandy hit New Jersey in 2012 most homeowners never knew this.  As we have learned floodwaters have the power to damage not only your home and sense of security, but also your financial future.

Working with the homeowner and flood insurance specialists at Dirus Insurance you can protect your most important investment in case of flooding!!

Flood Myth: I’ll receive Federal disaster relief if a flood hits, that’s what FEMA is for.
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it’s often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn’t offered, you’ll have to shoulder the massive damage costs alone. The bottom line is that if you’re looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

Flood Fact: I can buy flood insurance and stay protected no matter what.
When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you’ll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.

In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it’s already too late. You will not be insured if you buy a policy a few days before a flood.

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© 2018 All rights reserved. Dirus Inc. Insurance, Neptune NJ Insurance Agency
1142 Corlies Avenue | Neptune, NJ 07753 | Phone (732) 988-7300 | Fax (732) 988-0587
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