09/10/2024 | Press release | Distributed by Public on 09/10/2024 14:20
HARTFORD, CT - In light of the historic flooding that recently devastated parts of New Haven, Fairfield, and Litchfield Counties, the Connecticut Insurance Department (CID), Connecticut Department of Energy and Environmental Protection (DEEP), and Connecticut Department of Emergency Services and Public Protection (DESPP) are urging all Connecticut residents to consider purchasing flood insurance as a critical measure to protect their homes and businesses.
Why Flood Insurance Is Essential
Plan Ahead: Flood Insurance Has a Waiting Period
It's crucial to act now, as flood insurance policies typically have a 30-day waiting period before taking effect. Even if your property is not in a floodplain, flood insurance is available. Contact your insurance agent or visit FloodSmart.gov for more information.
"Flooding is the most common and costly natural disaster in the U.S., and Connecticut is not immune to this risk," said CID Commissioner Andrew N. Mais. "The recent storms serve as a stark reminder that flood damage can happen anywhere, not just in designated flood zones. Homeowners, renters, and business owners must understand that standard insurance policies do not cover flood damage. The best way to safeguard your property is through the National Flood Insurance Program (NFIP) or private flood insurance."
"Climate-induced extreme rainfall events are increasing in Connecticut," DEEP Commissioner Katie Dykes said. "According to the Northeast Regional Climate Center, the Northeast has seen a roughly 60% increase in the number of days with extreme precipitation, the largest increase of all the U.S. regions. This trend is expected to continue, which means it's critically important for residents and communities to be prepared and protect homes, businesses, and infrastructure."
"With the increasing frequency and intensity of storms, Connecticut's risk for flooding has never been higher,' said DESPP Director William Turner. "It's crucial for homeowners to understand that flood damage is often not covered under standard insurance policies, and flooding can occur even if you don't live in a flood zone. Getting flood insurance through NFIP or a private provider is not just a wise financial decision-it's a necessary step to protect your home and your future."
After a Flood: Steps for NFIP Policyholders
For those without flood insurance, contact your agent or insurer to verify coverage. Individuals and businesses may also be eligible for FEMA disaster assistance; visit FloodSmart.gov for more information.
Connecticut residents are encouraged to visit the websites and social media pages of CID, DEEP, and DESPP for more information.
Additional Flood Safety Resources:
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Contact: Mary Quinn
Communications, Director
Cell: (959) 529-4904
[email protected]