Know the laws. Standard homeowners insurance policies do not cover damage to property from floods.

Your home owners insurance may not cover your property that has been damaged in a flood. You may require additional insurance and not even know it. The state of New Jersey defines a flood as any of the following:

i. The overflow of inland or tidal waters;
ii. The unusual and rapid accumulation or runoff of surface waters from any source;
iii. Mudslides (that is, mudflows) that are proximately caused by flooding and are akin to a river of liquid and flowing mud on the surfaces of normally dry land areas, including your premises, as when earth is carried by a current of water and deposited along the path of the current;

To learn more about about NJ State laws regarding flood damage and insurance policies please read this article:
Notice Regarding Flood Damage Coverage – N.J.A.C. 11:1-5.5

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