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  • Attorney Blair C. Lane, Sr

    About Blair C. Lane, Sr

    • Over 20 Years Courtroom Experience
    • Legal Ability and Professional Ethics

    Blair C. Lane, Sr will fight for you.
    Call: 1-888-231-5462 Toll Free
    or e-mail the firm to schedule a consultation.
    Learn More

    New Jersey (NJ) Hurricane Sandy Flood Damage Insurance – What’s Covered? What’s Not Covered?

    New Jersey (NJ) Hurricane Sandy Flood Insurance, Flood Damage Claims Help – What’s Covered? What’s Not Covered?

    Flood coverage is sold through specialized policies, through the federal government’s  National Flood Insurance Program. You can usually purchase flood insurance only if you
    live in a flood zone.

    Flood insurance usually provides coverage up to $250,000 for the structure of the home and $100,000 for personal possessions damaged by a flood. For commercial properties, it covers up to $500,000 for buildings and $500,000 for their contents.

    Building Coverage

    • The insured building and its foundation
    • Electrical and plumbing systems
    • Central air conditioning equipment, furnaces and water
    • Refrigerators, cooking stoves and built-in appliances
      such as dishwashers
    • Permanently installed carpeting over unfinished
    • Permanently installed paneling, wallboard, bookcases
      and cabinets
    • Window blinds
    • Detached garages (up to 10 percent of building property
      coverage); detached buildings (other than garages) require a separate
      building property policy
    • Debris removal

    Personal Property Coverage

    • Personal belongings, such as clothing, furniture and
      electronic equipment
    • Curtains
    • Portable and window air conditioners
    • Portable microwave ovens and portable dishwashers
    • Carpets that are not included in building coverage
    • Clothing washers and dryers
    • Food freezers and the food in them
    • Certain valuable items such as original artwork and
      furs (up to $2,500)

    What is Not Covered by Flood Insurance

    • Damage caused by moisture, mildew or mold that could
      have been avoided by the property owner
    • Currency, precious metals and valuable papers such as
      stock certificates
    • Property and belongings outside of an insured building
      such as trees, plants, wells, septic systems, walks, decks, patios,
      fences, seawalls, hot tubs and swimming pools
    • Living expenses such as temporary housing
    • Financial losses caused by business interruption or
      loss of use of insured property
    • Most self-propelled vehicles such as cars, including
      their parts (see Section IV.5 in your policy)

    Flood Insurance for Basements and Crawl Spaces

    Coverage is limited in basements regardless of zone or date of construction. It’s also limited in areas below the lowest elevated floor, depending on the flood zone and date of
    construction. These areas include:

    • Basements
    • Crawl spaces under an elevated building
    • Enclosed areas beneath buildings elevated on full-story
      foundation walls that are sometimes referred to as “walkout
    • Enclosed areas under other types of elevated building

    What is not covered by Flood Insurance may be covered by Homeowner’s Insurance.

    For more information Contact

    Blair C Lane, Sr Attorney at Law


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    Located in Cherry Hill, NJ, Blair Lane, Sr., Partner at Earp Cohn, also represents clients in Marlton, Haddon Township, Audubon, Barrington, Camden, Moorestown, Pennsauken, Haddonfield, Voorhees, Collingswood, Mt. Laurel, Westmont, Marlton, Mount Holly, Maple Shade, Medford, Evesham Township, Cinnaminson, Woodbury, Washington Township, Deptford, Camden County, Burlington County, Gloucester County and the surrounding areas of South Jersey.