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Since Hurricane Sandy, homeowners have seen a substantial rise in premiums for flood insurance in NJ. Here are three steps you can take to lower your flood insurance premiums without reducing coverage. Fill in the Crawl Space – Below-grade crawl spaces and basements create considerable risk and can increase your insurance premiums by 15–20 percent. Filling the crawl space with dirt or gravel to level it with the surrounding grade mitigates the possibility of flood damage and can lower your…

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To protect your home, family and finances from the types of natural disasters you are most likely to face, you should consider New Jersey flood insurance a necessity. While some homeowners in the state think they can slide by without having this type of insurance, the real possibility of flooding, and the expense of any damage it may cause, should not be ignored. New Jersey Is a Flood-Prone State There have been quite a few severe flooding incidents in New…

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Coverage for flooding is an essential part of almost any insurance plan in New Jersey. From condominiums on the coast to inland homes, flooding can be a very real dangerand good NJ flood insurance is one way to help keep your home safe. The Dangers Flooding can happen for a myriad of reasons, ranging from major storms (such as Super Storm Sandy) to broken water mains. Although some areas are at greater risk than others, no property is completely immune…

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