Most homeowners, renters and commercial policies provide coverage for losses caused by wind and fallen trees. Damage caused by flood and storm surge is only potentially covered if an individual has purchased separate flood insurance, which is primarily available through the National Flood Insurance Program (NFIP), a federal government program administered by the Federal Emergency Management Agency (FEMA).
The New York Insurance Association (NYIA®) is a state trade association that has represented the property and casualty insurance industry for 130 years. For more information about NYIA, visit www.nyia.org.
SOURCE New York Insurance Association