First and foremost, get flood insurance! There is typically a 30-day waiting period before a flood insurance policy comes into effect...
Florham Park, New Jersey (PRWEB) November 14, 2011
It has been over a month since Hurricane Irene hit New Jersey, but many local residents can businesses are still coping with the aftermath. Even for those who had the flood insurance NJ residents need, the cleanup process was still stressful. Since this will likely not be the last bout of heavy rainfall to strike the state this fall, the experts at ADP Statewide Insurance would like to offer the following tips on what to do after a flood:
- First and foremost, get flood insurance. There is typically a 30-day waiting period before a flood insurance policy comes into effect, unless the person who purchases the policy is buying it for a home that he or she recently moved into.
- After a flood, take photos of the damage along with a list of possessions that were ruined to the insurance provider. Having an inventory that states the price and date of purchase of the things that were damaged in the flood can ensure that a homeowner receives an accurate and timely payout.
- Air out a home that has been saturated with water. Keep the windows open and take rugs and furniture outside to clean and dry thoroughly in order to prevent mold growth.
- Get quotes from multiple contractors on how much it will cost to repair a home. This will also help ensure that a homeowner receives adequate compensation from his or her insurer.
Despite common misconceptions about flood insurance, New Jersey homeowners are not covered for floods under their home insurance policies. The experts at ADP Statewide Insurance know that even minor floods can cause substantial damage, so it’s better to be safe than sorry by obtaining flood insurance before the next bout of severe weather.
About ADP Statewide Insurance:
ADP Statewide Insurance is your one-stop-shop coverage resource! To better serve their regional customers, ADP Statewide Insurance has offices all throughout New Jersey and South Carolina. Insurance isn’t just their business – it’s the agency’s passion. ADP Statewide Insurance wants to make sure that its clients and their loved ones have the protection that they need, at a price that they can afford! ADP Statewide Insurance has been in business for over 60 years and the agency understands that every customer and every situation is unique. Discover the wealth of coverage options available, today!