Flood Insurance

Sound Advice on Rochester NY Area Flood Insurance

Contrary to a common assumption, homeowners insurance does not provide coverage for flood damage. However, even a few inches of water can lead to damage requiring thousands of dollars in repair and restoration costs. Flood insurance in the Rochester NY area is a smart investment and The Alliance Group of Western NY can protect you.

Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, and more. Below we explain the two types of flood insurance policies for the Rochester NY area.

Standard Flood Insurance Policies
If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a standard flood insurance policy. To be considered a flood, the waters must cover at least two acres or affect at least two properties.

Preferred Risk Flood Insurance Policies
If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. This type of policy will protect your home and its contents if you are affected by a small or a large flood that has extended into your low-risk area. Many flood insurance claims occur in low-to-moderate risk areas.

Contact The Alliance Group of Western NY today for a free consultation on whether you should invest in flood insurance and if you qualify for a standard or preferred risk flood program. Fill out the form on this page or call us at (585) 388-8001.