Connell provides flood insurance through the NFIP National Flood Insurance Program (FEMA) and a private flood insurance company called EZ Flood. Our goal is to provide you with the best solutions.
Wherever there is rain there is the potential for flooding. FEMA defines a flood as a general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties.
Flood insurance is something many people don’t consider until it’s too late. However, the time to prepare for damage to your home, whether it is the building or its contents, is now.
- Reduce the Stress: We offer multi-product discounts with low rates and down payment options.
- Dwellings: Get the most value with discounts when you have multiple policies.
- Custom Coverage: Don't assume unnecessary risk. We'll help you build a plan that fits your lifestyle.
Did you know that the federal government requires a 30-day waiting period for any new flood insurance policy? See some of the reasons why you shouldn’t wait.
Reason 1: Your Home Needs to Be Completely Protected:
Personal property insurance does NOT cover damage from a flood. The only way to ensure that your home is fully protected is to purchase flood insurance. Losing your home or all your contents can be devastating enough. Not being protected and having to replace all your assets without insurance can be overwhelming for a family.
Reason 2: Your Home Doesn’t Have to Be in a Flood Zone to Experience Flooding:
According to FEMA, the Flood Insurance Reform Act of 1994 and the Flood Disaster Protection Act of 1973 mandate that “properties located within an area having special flood hazards” are required to purchase flood insurance. However, low to moderate-risk areas made up 20% of flood insurance claims and 90% of natural disasters included flooding, according to FEMA statistics.
But your home doesn’t have to be located next to the ocean or a river to be at risk of flooding. A clogged street drain can cause flooding on a street leaving residents at the mercy of the elements.
Reason 3: Your Home Is Probably at Risk:
If it snows or rains where your home is located, flooding can occur. Areas with snowy winter followed by warm springs can experience flooding due to fast melting snow. The same is true with moderate rainfall during the year. Since most areas of the U.S. fall into one of the two categories, most homes need flood insurance, and most families are at risk of losing everything if a flood occurs.
Insuring your home and its contents to a trusted, local agent not only saves you money, but gives you peace of mind as well. Don’t get stuck with an insurance agent who doesn’t understand your area’s local weather challenges. Instead, contact your local insurance experts who know exactly what type of coverage you need. Connell Insurance Agency (CIA) has worked with the South New Jersey and the Philadelphia suburban areas for over 30 years. Call us for a free quote today at (856) 858-5510.
