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What Do You Do If You Didn’t Have Flood Insurance Before The Storm Hit? – CBS New York

NEW YORK (CBSNewYork) — Many individuals within the Tri-State Space left with little to nothing after Ida try to determine what to do subsequent.

Some are processing insurance coverage claims, however what about assist for individuals who didn’t have insurance coverage earlier than the storm hit? CBS2’s Jessica Moore has what you want to know.

READ MORE: Nightmare In Manville, NJ As Homes And A Business Explode In Ida’s Aftermath; Family Grateful To Be Alive

Gov. Kathy Hochul met with residents in Yonkers on Friday, the place the state Division of Finance cellular command heart was prepared to assist storm victims like Ivette Barreto.

“I had extreme flooding in my basement,” she mentioned. “That is the third time that this occurred to us.”

“They’ll sit down with you, make it easier to fill out the paperwork and perceive what you want to do,” Hochul mentioned.

IDA RESOURCES: How To Report Damage, Find Shelter, Food, Mental Health Support & More

Within the hours after Ida, many are scrambling to determine what they misplaced and what precisely is roofed beneath their insurance coverage insurance policies.

“What sort of issues ought to householders or renters do proper after a catastrophe hits to ensure that their claims are literally processed and so they get the cash that’s owed them?” Moore requested property harm appraiser Tom Mallen.

“So doc. You need to take actually, take good footage, doc all of the harm. Take stock of not solely simply the property, however the contents that have been broken,” he mentioned.

He says many fundamental house owner insurance coverage insurance policies don’t cowl flood damage, until the coverage holder opted into that protection earlier than the storm.

READ MORE: New Yorker On A Mission To Help Delivery Worker Caught On Video Wading Through Floodwater During Ida

For individuals who didn’t have flood insurance earlier than the storm, assist remains to be obtainable.

The Salvation Army has a dozen emergency hubs arrange within the hardest hit areas prepared to supply flood cleanup kits and fundamental wants.

“Clothes, alternative of furnishings, meals help. The fridge obtained destroyed, they’re throwing it out. Utility help, after which full relocation,” mentioned Main Kevin Stoops with the Salvation Military.

IDA’S IMPACT:

Grants may be obtainable to the uninsured or underinsured now that President Joe Biden authorised emergency declarations for New York and New Jersey.

Residents may also apply for FEMA help by telephone or on-line.

As many individuals attempt to put together for the subsequent catastrophe, consultants advise renters to safe a coverage that covers not solely their possessions, however cash for alternate housing within the occasion of extreme flooding.

As for householders, typically occasions spending extra for a full protection coverage finally ends up paying off.

MORE NEWS: Deadly Flooding From Ida Remnants Prompts Renewed Scrutiny Over Safety Of Basement Apartments In New York

To use for FEMA help and to seek out different sources, click here.

https://newyork.cbslocal.com/2021/09/03/ida-flood-damage-insurance-claims/ | What Do You Do If You Didn’t Have Flood Insurance coverage Earlier than The Storm Hit? – CBS New York

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