Click Here to start NJ Flood Quick Quote.
Or just call us at 1-800-548-2329. You can transfer your flood insurance to us if you already have a policy.
Para el consejo de seguro contra inundaciones, llame a 1-800-548-2329 ext. 110
Remember to enter the code at the bottom of any of our quote pages to make sure you get by our spam filters.
As we write this, the National Flood Insurance response to Hurricane Sandy is getting a lot of criticism. Here's a link to an article with Governor Christie's comments. If you need advice on existing losses, call us and we'll see if we can help.
Why Flood Insurance?
Your home or business insurance doesn't cover floods*. Remember the 2011 flooding in New Jersey with Hurricane Irene? There was flooding and water damage in homes and businesses that had never experienced floods. And now, after Hurricane Sandy, there is much greater damage. You can still get flood insurance for the future but:
It can take a month to get flood insurance in place, so click here to start a detailed quote, fill out what you can, and we'll contact you if you'd like. The flood zones, requirements, and prices are changing in NJ so get in touch with us to get a flood insurance quote, or to get advice.
The majority of flood insurance in New Jersey is provided by the National Flood Insurance program (NFIP); this is the federal government flood insurance program, operating as part of the Federal Emergency Management Agency (FEMA). Flood insurance costs will be rising. They were already scheduled to rise in many cases, and the recent disasters will put more pressure on prices.
What's the price for my property?
Flood insurance is a lot cheaper for property that isn't in the worst NJ flood zones. You may need to understand the FEMA flood zones (X, A, V, and many more) and possibly have someone create a flood insurance elevation certificate for you. The FEMA flood zone maps make a huge difference in what you pay in New Jersey. A few feet up in elevation could also save 50% or even more on the price of your flood insurance. Click here for a more detailed description of the flood zones in New Jersey, especially at the shore.
We can help you with advice and explanations to make sure you get what you need; call us at 1-800-548-2329 to start the conversation.
What does flood insurance cover?
Flood insurance covers losses to your property caused by surface water*. You are exposed because your homeowners policy does not cover flooding. The NFIP can cover structural and mechanical damage, flood debris clean-up, some kinds of contents, and floor surfaces (like carpeting and tile). It has limited coverage for items in the basement so check with us before you need the coverage (click here to contact us).
Click here for a video from the Insurance Information Institute about flood claims.
Haga clic aquí para ver un video de seguro contra inundaciones Click here for a video about flood insurance, in Spanish.
Some towns in New Jersey have not joined the NFIP program so their residents and businesses can't get the NFIP coverage. Check Flood Insurance availability with GBW Insurance. To review the Federal government list of eligible towns in New Jersey, click here.
Click on the buttons or call us for information and quotes for Flood Insurance in New Jersey. 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, unlike interest-bearing loans through federal disaster assistance
- Comes in low-cost policies for those who 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, we are there to help you handle your claim.
Questions? Need help?
If you should have any questions regarding Flood Insurance, or we can assist you with a quote, please click the contact button, click here to start a detailed flood insurance quote for New Jersey locations, or contact our office at 1-800-548-2329.
For directions on how to prepare your flood damaged property for inspection by a flood adjuster, what to do about debris removal, or pictures to take to prove your flood loss, to go to a National Flood Insurance Program explanatory letter click here.
For small losses from back-up of sewers or drains, there may be coverage available under your Homeowners Insurance policy. For large properties, there may be "Excess Flood Insurance" available to you. Contact us or call us for advice. Click here for our contact page or call 1-800-548-2329. Any of our Personal Insurance advisors can help advise you about back-up of sewer and drains coverage in New Jersey.
For Sussex County or Morris County flood insurance information and quotes, call 973-426-1500, ext. 112. For Hunterdon County, Warren County, Bergen County, Somerset County, and flood insurance quotes and information for all other New Jersey counties, call 800-548-2329, ext. 112.
We represent Travelers Insurance for Home, Car, and Flood Insurance. Click here for a link to their page of advice on protecting your property from water and floodwater damage. You have to love the advice "Be watchful of snakes that may have found their way into your home."
For more information from the National Flood Insurance Program, click here for the NFIP website.
This is downtown Manhattan during Sandy. Our President used to work in that building. What is the bicyclist doing? No clue, other than taking more risk than he probably thought.
Just for your entertainment, here's a video showing flood waters collapsing a river bank. You'll hear the folks who took the video saying they should get out of there (as cracks are spreading towards them). Ya think?
*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."
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