ALISON JAMES & ASSOCIATES
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Flood Insurance

It doesn't matter if you live in a flood plain, every property owner is susceptible to flood damage and your current insurance probably doesn't cover it. Let us give you a quote today!

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What is Flood Insurance?

Flood insurance is the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and floodways that are susceptible to flooding.

More About Flood Insurance

Nationwide, only 20% of American homes at risk for floods are actually covered by flood insurance. Most private insurers do not insure against the peril of flood due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of flood. 

Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows

This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover floods as a result of earthquakes.

Contact us to learn more about the right amount of flood coverage for your home.
(917) 554-2202
999 Riverview Drive 
2nd Floor 
​Totowa, NJ 07512​
Click Here to Email Us
Flood Insurance Quotes
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Alison  James  & Associates
999 Riverview Drive
Suite 201
Totowa, NJ 07512
(917) 554-2202​
Click Here to Email Us

Location

  • Home
  • About
    • Meet the Owner
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers >
      • B-Insurance Carriers
    • Accessibility Statement
    • Newsletter Signup
  • Insurance Solutions
    • Commercial Insurance >
      • Business Insurance
      • Trucking Insurance
      • General Liability Insurance
      • Commercial Property Insurance
      • Professional Liability Insurance
    • Workers Compensation
    • Business Owners Package (BOP) Insurance
    • Employee Benefits >
      • Group Benefits
      • Voluntary Benefits
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Vision Insurance
    • Life >
      • Disability Insurance
      • Umbrella Insurance
    • Medicare >
      • Medicare Advantage Plans
      • Medicare Supplement Coverage
      • Medicare Prescription Part D
    • Vehicles >
      • Auto Insurance
      • Boat Insurance
    • Property >
      • Home Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Event Insurance
      • Pet Insurance
  • Quotes
    • Commercial Insurance Quotes >
      • Voluntary Benefits Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Business Insurance Quote
      • Trucking Insurance Quote
      • Workers Compensation Quote
      • General Liability Insurance Quote
      • Commercial Property Insurance Quote
      • Professional Liability Insurance Quote
    • Personal Insurance Quotes >
      • Auto Quotes >
        • Auto Insurance Quote
        • Boat Insurance Quote
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Vision Insurance Quote
      • Life >
        • Disability Insurance Quote
        • Umbrella Insurance Quote
      • Property Quotes >
        • Home Insurance Quote
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Other Quotes >
        • Event Insurance Quote
        • Pet Insurance Quote
  • Services
    • Policy Review
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Report a Claim
    • Online Documents
    • Free Consultation
  • Blog
  • Contact