Serving the East Ends insurance needs since 1949

41 Pantigo Road, East Hampton, NY  11937

(631) 324-0400






Flood Insurance

Homeowners insurance doesn't cover flood damage. A flood policy protects you from flood damage caused by the complete overflowing of inland or tidal waters onto the land, the rapid and unusual accumulation of surface waters, and damage caused by mudflows resulting from river flooding over a surface of normally dry land.

While the chance that fire will strike a home is only one percent in the life of a 30-year mortgage, the chance of a home located in a flood-prone zone being ravaged by floods is 26 percent over 30 years. According to the Federal Emergency Management Agency, floods result in over $1 billion of property damage each year, yet only one-third of Americans living in heavy flood zones have an insurance policy that protects them against flood damage.

Federal flood insurance is the only type of coverage that protects your home and belongings from damage caused by rising water associated with flooding. Coverage includes structural elements, contents and personal items.