GT Insurance Blog

Insurance problems and cures

Can you get Flood Insurance in time for a Hurricane?

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IMG_0692It’s too late when the flood arrives.  It’s too late when the hurricane is landing.  It’s too late two weeks before the hurricane arrives.

The National Flood Insurance Program (NFIP) has a 30 day waiting period unless you’re buying a new home or re-financing.  So if the peak of hurricane season is in August and September (for NJ and the rest of the Northeast) you have to start a month before.

Floods can occur on the side of a hill, or miles from rivers or lakes or sea shores.  25% of all flood losses happen in non-flood zones.

Flood insurance is not expensive in the low threat zones.  For higher value homes, it may be possible to bundle home and flood insurance in one policy.   Check with your insurance advisor.

If you’d like to have us check several insurance companies for you (in New Jersey) call 800-548-2329, extension 112.  Or click here to send some basic info to us so we can get started for you.

And yes, the baby elephant in this picture did make it across the flooding river.  His mom and aunties helped.

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