Did you realize that the leading cause of damage to New York area homes, businesses and automobiles is floods? Yes, floods.*

But you don’t have to get soaked. For slightly more than $1 a day you can protect yourself.

Floods can occur almost anywhere at any time, and most people and businesses remain uncovered from their significant impact. Here are some things you should know:

• Everyone lives in a flood zone and you can buy flood insurance no matter what your flood risk is
• Flood damage is not covered by homeowners policies
• Between 20% and 25% of flood claims occur outside high-risk areas
• There is usually a 30-day waiting period before the coverage goes into effect so anticipating your need due to an impending storm is fruitless
• Federal disaster assistance is not the answer because it depends upon your area being declared a federal disaster by the President of the U.S.

Gotham will be happy to help you secure complete flood protection through a National Flood Insurance policy designed to cover yourself and your valuables. Pricing is based upon the zone you live in and your specific needs. If your home is outside of a high-risk flood area you can pay as little as $326.00 per year for complete coverage**.

Contact us for a free quote in a New York minute!

*A flood, as defined by the National Flood Insurance Program, is a general and temporary condition of partial or complete inundation of two or more acres of normally dry land or of two or more properties (at least one of which is your property) from overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, or a mudflow.

**Availability of insurance is subject to underwriting approval. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy.