Tips for Hurricane Joaquin Preparedness – Do You Have Flood Insurance?

Although the forecast models are still unsure whether Hurricane Joaquin will make a direct hit on our area, it appears certain there will be heavy rainfall causing a significant impact.  Did you know that in New Jersey all homeowner’s insurance policies exclude water damage caused by flooding?   According to N.J.A.C. 11:1-5.5, “flood” means a general and temporary condition of partial or complete inundation of normally dry land area from:

  1. The overflow of inland or tidal waters;
  2. The unusual and rapid accumulation or runoff of surface waters from any source;
  3. Mudslides (that is, mudflows) that are proximately caused by flooding and are akin to a river of liquid and flowing mud on the surfaces of normally dry land areas, including your premises, as when earth is carried by a current of water and deposited along the path of the current[.]

Many people were surprised after Hurricane Sandy to find out that their homeowner’s policy did not cover the damage to their property due to flooding.  You may be able to obtain flood insurance for an additional premium from either a private insurer or the National Flood Insurance Program.

Another common concern is what happens if my car gets flooded?  In New Jersey, “comprehensive” coverage on automobile insurance policies cover your car if it is damaged in a flood, so no separate flood insurance is necessary.

If you have legal issues arising out of insurance coverage, our firm has extensive experience regarding those claims.  Feel free to contact us as (732) 545-4717 or