Skip to content
603-288-0111 631-369-0888
The Washwick Agency

2212 Main St
Bethlehem, NH 03574

Get Directions

860 East Main Street
Riverhead, NY 11901

Get Directions

Flood Insurance

Structural flooding can result from hurricanes, storms, melting snow or overloaded drainage systems, or broken water mains. Make it a priority to protect your residence, business, or industrial property and its contents with flood insurance. Without it, you could face substantial hurdles to restoring your property.

Is Flood Insurance Mandatory for Home and Business Owners?

Traditional home and commercial insurance policies do not cover damage resulting from flooding. While it is not legally mandated to have flood insurance on a state or federal level, those with a federally funded mortgage or refinancing loan in flood-prone areas will be required to carry some level of coverage for the life of the loan.

Home and business owners can apply for a policy through the government-backed National Flood Insurance Program (NFIP) or opt for private flood insurance. Both policies can be secured through an experienced insurance agency like The Washwick Agency. Businesses who opt for private insurance will want to consider adding both components of these policies, including structural and content damage.

What’s Covered Under Flood Insurance?

Flood insurance covers the cost of damage that occurs on your physical property. This typically includes the property’s structures, systems, and specific permanent interior installations. These entail:

  • Mechanical Systems & Equipment
  • Electrical Systems
  • Plumbing Components
  • Heating and Cooling Systems
  • Water Heaters
  • Appliances
  • Flooring
  • Cabinets & Shelves
  • Window Blinds

Most policies also cover personal belongings and non-permanent items in the structure, such as:

  • Clothing
  • Furniture & Office Supplies
  • Electronics
  • Non-permanent Appliances
  • Window Treatments
  • Artwork
  • Rugs and Tapestries
  • Certain Valuables Up to a Specific Amount

Rely on The Washwick Agency for Flood Insurance

The Washwick Agency is a family-owned and operated insurance provider for home and business owners in Bethlehem, NH, Riverhead, NY, and the surrounding communities of Nassau, Suffolk Counties, and New York Metro area. Call us and get a quote for flood insurance today.

Servicing States

We have expanded our services into multiple states! Don’t see your state listed, reach out anyway!

  • New Hampshire
  • Maine
  • Vermont
  • New York (Long Island, NYC)
  • Florida
  • South Carolina
  • Texas
  • Maryland
  • Connecticut


quote-icon Comparing Quotes - Made Simple

Fill out the form below and
get started today!