Water Damage New York And The State Insurance Department

By Author: Leo Nov
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The New York State Insurance Department has issued certain guidelines in order to help them prepare for floods during the hurricane season. One of the main points of the department is to ensure that the insurance policies are reviewed by their holders. This is to ensure the protection of their property and businesses in the event of water damage in New York.

Just like in other states such as Florida, Louisiana, and Texas, New York is not spared from the storm season. Thus, residents are encouraged by the local government to get in touch with their insurance agents or company representatives to have their queries answered even before the need arises. In New York, the hurricane season starts in June and lasts until November. It can result in large amounts of property damage so there is a need to ensure proper coverage. Because standard policies do not usually include protection against flood damage, the home or business owner should make the right confirmatory moves.

The New York State Insurance Department enumerates a list of situations to insure against in the event of water damage in New York. These include the ...
... partial or total flooding of normally dry land due to the overflow of inland or tidal waters, the rapid and unexpected accumulation of runoff surface waters, and mudslides caused by flood. There should also be insurance in case there is a collapse of the ground along a body of water due to erosion or waves that go beyond the norm in size. Finally damage from sewer backup may also be insured against if it is the direct result of a flooding. There are some insurance companies that accept the purchase of insurance policies that have sewer backup coverage.

Traditional homeowner's policies allow the coverage of damage sustained by the house because of winds and falling objects. Those policies that are meant for properties in the coastal area may purchase a separate policy on windstorm and hurricane deductible options. They may also get a separate flood insurance policy for wind-blown water damage.

Finally, the Insurance Department has toll-free hotlines that offer assistance for New York City residents who may have hurricane-related insurance questions or complaints. These lines are manned by experts from the Department's Consumer Services Bureau.
Leo Nov is an editorial staff member of RestorationSOS.com, a leading service provider for fire and water damage cleanups. To learn more about water damage New York and water removal, visit RestorationSOS.com