Flood insurance covers losses to your property caused by surface water*.  You are exposed because your business policy does not cover flooding.  The National Flood Insurance Program (NFIP) can cover structural and mechanical damage, flood debris clean-up, some kinds of contents, and floor surfaces (like carpeting and tile). Click on the buttons or call us for information and quotes for Flood Insurance in New Jersey.  

Talk with us about elevation certificates.  If you are near or just in a flood zone, a few feet up out of or down into the zone can make a huge difference in cost, far more than survey and certificate will cost a business.  In New Jersey we can recommend civil engineers/surveyors who can create those certificates for you.  1-800-548-2329.

Having flood insurance gives you many benefits. Not only is coverage there when you need it, but it also:

• Compensates for flood damages even if federal disaster aid is unavailable
• Pays for your covered losses almost immediately, unlike interest-bearing loans through federal disaster assistance
• Comes in low-cost policies for properties which qualify
• Protects compensation for flood damages because the Federal government backs NFIP flood insurance
• Helps you move on – if your property is damaged by flood, your agent is there to help you handle your claim.

If you should have any questions regarding Flood Insurance, or we can assist you with a quote, please click the contact button, the "Get a Quote" button, or contact our office at 1-800-548-2329.

For large properties, there may be "Excess Flood Insurance" available to you.  Contact us or call us for advice.
 

For more information from the National Flood Insurance Program, here's the NFIP website.

Click here for NFIP information.

 

To keep track of river levels in New Jersey, here's the US Geological Service real time water data site for New Jersey.  Click here to view real-time water levels.  This shows most of the rivers in New Jersey with up to the minute water levels compared to flood stage.

 

*The NFIP defines flood as, "a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow."