If We Talked About Flood Insurance

Posted by Alex Boyer on Sun, Mar 20, 2016

The transcript of an imaginary conversation between you and E & K Agency about a flood policy.

E&K: Are you aware that you don't have any protection for your home and its contents in the event of flood damage?

You: I buy my homeowners insurance from you. Doesn't that cover me for flood?

E&K: No. Nobody's homeowners policy covers damage caused by flood. What you need is a special flood policy to protect your house. And since your community participates in the National Flood Insurance Program (NFIP), you are eligible to purchase this coverage.

You: Why should I buy a policy now? Can't I just order it when the weather turns bad?

E&K: It doesn't work that way. There is a 30-day waiting period before coverage begins, so now is the right time to buy.
You: How much flood insurance should I get?
E&K: The NFIP allows you to purchase up to $250,000 on your home and $100,000 on your contents. A deductible applies. If you want more coverage than this, I can get you the numbers.

You: How much will an NFIP flood policy cost with those limits?

E&K: Your annual rate can be as low as a few hundred dollars or less for lower limits! Your actual cost depends on the location, construction and age of your home. Special lower rates apply to you because participates in the NFIP! 

You: Great. How do I sign up for the policy? 
E&K: It's easy. Just give me a call at 732-389-6000 or email
ProtectMe@e-kinsurance.com and I'll get everything started for you.

Tags: Flood, Homeowner Insurance, E&K Insurance, Insurance, Flood Insurance, Flood insurance policy, Homeowners insurance

Flood Awareness Week: See Video

Posted by Alex Boyer on Thu, Apr 09, 2015


Our friends at the U.S. National Weather Service have put together a video for Flood Awareness Week showing the potential dangers and effects of strong flooding.

Flooding is one of the leading causes of weather related fatalities in the U.S. On average, flooding claims nearly 90 lives each year. More than half of these deaths occur in motor vehicles when people attempt to drive through flooded roadways. This happens because people underestimate the force and power of water, especially when it is moving.

Just six inches of fast-moving water can knock over and carry off an adult. Twelve inches of water can float a small car. If that water is moving, it can carry that car away. Eighteen to twenty-four inches of flowing water can carry away most vehicles, including large SUVs. It is impossible to tell the exact depth of water covering a roadway or the condition of the road below the water. This is especially true at night when your vision is more limited. It is never safe to drive or walk through flood waters. Any time you come to a flooded road, walkway, or path, follow this simple rule: Turn Around Don’t Drown.

Posted by US National Weather Service Boise Idaho on Monday, March 16, 2015

Tags: Flood, E&K Insurance, Insurance, auto insurance, driving, Flood Insurance, Flood insurance policy, Car insurance, national weather service

It's Flood Awareness Week

Posted by Alex Boyer on Tue, Apr 07, 2015


This week is Flood Awareness Week, and the New Jersey Office of Emergency Management had some tips and information regarding flooding:

Flooding is a coast-to-coast threat to the United States nearly every day of the year. New Jersey is no exception. This week we will talk about how to stay safe in a flood event. If you know what to do before, during, and after a flood you can increase your chances of survival.

Flood Basics

WHAT: Flooding is an overflowing of water onto land that is normally dry. Flooding may happen with only a few inches of water, or it may cover a house to the rooftop.

WHEN: Flooding can occur during every season, but some areas of the country are at greater risk at certain times of the year. Coastal areas are at greater risk for flooding during hurricane season (i.e., June to November), while the Midwest is more at risk in the spring and during heavy summer rains. Ice jams occur in the spring in the Northeast and Northwest. Even the deserts of the Southwest are at risk during the late summer monsoon season.

WHERE: Flooding can happen in any U.S. state or territory. It is particularly important to be prepared for flooding if you live in a low-lying area near a body of water, such as near a river, stream, or culvert; along a coast; or downstream from a dam or levee.

For more information, Northeast NJ residents and commuters to/from NYC, please visit: http://www.weather.gov/okx/.

For the rest of New Jersey, please visit: http://www.weather.gov/phi/.

To keep up with the latest in New Jersey emergency management, follow the New Jersey Office of Emergency Management on Facebook and on Twitter and Instagram @ReadyNJ.

And, of course, be sure to visit E&K for information on flood insurance and flood risks in New Jersey.

Tags: Flood, Homeowner Insurance, E&K Insurance, NJ, Insurance, New Jersey natural disaster, home, Flood Insurance, Flood insurance policy, New Jersey, Homeowners insurance, homeowner policy

FEMA Extends Flood Insurance Claims Deadline

Posted by Rachel Auerbach on Thu, May 01, 2014

Hurricane Sandy hit more than a year ago, but are you still finding damage caused by the superstorm? And among work, chores, grocery shopping and getting the kids to school, do you still need time to complete your flood insurance claim? Well, you're in luck (an extra six months of luck, to be exact).

The Federal Emergency Mangement Agency (FEMA) has extended the deadline by six months to file for flood insurance claims in connection with Hurricane Sandy. New Jersey homeowners and businesses now have until Oct. 28, 2014 to file a complete flood insurance claim or proof of loss documentation. 

Screen Shot 2014 05 01 at 5.03.27 PM Hurricane Sandy Effects - Wikimedia Commons

Has Hurricane Sandy made you rethink flood insurance!? Has it taught you that homeowners insurance does NOT cover you for a flood? The National Flood Insurance Program (NFIP) allows you to purchase up to $250,000 on your home and $100,000 on your contents. With those limits, an NFIP flood policy could have an annual rate as low as $187! Your cost depends on the location, construction and age of your home.

Just remember that there is a 30-day waiting period before your coverage begins (which means you can't sign up the night before a hurricane is forecasted). To sign up or talk about your options for a flood insurance policy, email kauerbach@e-kinsurance.com or call 732-389-6000.

Tags: Hurricane Sandy, Flood Insurance, Insurance claims extension, FEMA, NFIP, Oct. 28th, Superstorm, Flood insurance policy, New Jersey, Homeowners insurance