M&R Insurance Agency

Flood

Everyone lives in some sort of flood zone. The National Flood Insurance Program says that 25 percent of flood claims come from low to moderate risk areas. A home has a 26 percent chance of being damaged by a flood but only a 9 percent chance of a fire! Even those who live on high ground may not be safe. Homeowners Insurance does not cover flooding. A separate "Flood" policy is required. People who live in apartments or own condo/co-ops should not eliminate flood insurance.

The word "Flood" is defined by FEMA is:

Overflow of inland tidal waves.
Unusual & rapid accumulation of runoff or surface water
Mud flow
Collapse or subsidence of land along the shore of a lake or body of water as a result of erosion or undermining caused by waves and currents.

Call M&R Insurance at (516) 284-1020 or email us at mnr@mnrinsurance.com and let one of our agents assist you in further protecting your home.