Category Archives: Flood Insurance

Home, Cooperative, and Condominium Insurance for First-Time Buyers

“Ask every broker or agent you contact for a quotation based on your homes’ full component replacement or construction cost (RCT), not the market value or the mortgage amount. Ask them to provide you with a printed copy of the replacement cost calculations. ” Continue reading

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Floodplains Outside Your Front Door

Unfortunately, for many homeowners, the answer they receive from their agent or broker will be “No, you don’t have flood insurance. You’re three and one-half miles from the nearest coastline. And if you recall we discussed adding flood insurance coverage to your insurance portfolio and you refused to spend money on a flood insurance policy when you lived in what you considered a very safe flood zone.” Continue reading

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New York City’s Three Rivers

This, unfortuately is when any business and property owners and renters learn they have absolutely no coverage for the foot or two of water which found it’s way into their living spaces. Continue reading

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