Flood Insurance

Living on Long Island is a wonderful experience, but every home or business is at risk of flood that can happen anywhere at anytime. Just a few inches of water can cause thousands of dollars in damages, that are not covered under home and business insurance policies. 

Our agency specializes and is dedicated to saving you money on your Flood Insurance. Our staff of experienced flood underwriters are Long Islanders,  who experienced the wrath of Superstorm Sandy first hand.  Our extensive knowledge of the current laws in effect with FEMA and our knowledge of the procedures and requirements in place for obtaining the correct flood zones and premiums, enable us to obtain the lowest flood rates available.

Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?

Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

Option 2: Buy flood insurance and stay protected no matter what.
When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.

In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.

For over 25 years we have provided our services to homeowners, commercial property owners, property managers, homeowners associations, condominium associations, and real estate professionals. Contact us to put our team of Flood professionals to work for you.

Thank you for your interest in Spirit Insurance. If you are ready to begin your home owners insurance quote, click on the form above or call one of our experienced agents at 631.595.1200

 Providing home insurance to residents throughout New York and Long Island, including: West Islip, Babylon, Lindenhurst, Islip, East Islip, Dix Hills, North Babylon, West Babylon, Deer Park, Bay Shore, Amityville, Brightwaters, Oakdale, Sayville, Bayport, Northport, Huntington, Farmingdale, Melville and Copiague, New York.