http://www.longislandexchange.com/profilesLong Island Exchange http://www.longislandexchange.com/profiles/rss.php?header=blogs&id=206 http://www.longislandexchange.com/profiles/rss.php?header=blogs&id=206 In New York, particularly on Long Island in Nassau County, Suffolk County, Queens County, Brooklyn County, and Richmond County,homeowners may be faced with the prospect of trying to obtain home insurance (or having existing insurance) for a home that they own which is on or close to the water. In recent years this has become a complicated challenge.A Flooded House on Long IslandMost insurance companies have restrictions based on the homes proximity to the ocean and other tidal waters, therefore, it becomes important know the obstacles you are up against BEFORE you purchase that dream house. The cut-off for most companies is2500 feet of the ocean or tidal bay, although this may vary.In recent years, the increased hurricane activity and the over-development along waterfront property has put more homes in harms way of wind and water damage. To limit exposure to these catastrophic storms and hurricanes, many insurance carriers have introduced wind or hurricane deductibles into their polici ..... Tue, 13 Jan 2009 10:01:38 -0600 http://www.longislandexchange.com/profiles/rss.php?header=blogs&id=198 http://www.longislandexchange.com/profiles/rss.php?header=blogs&id=198 If any covered peril damages or destroys your home, you will need to file a claim with your insurance company. You will need to promptly notify your insurance agent. You must be aware that an insurance policy is a contract between you and your insurance company and as such, there are rules and procedures that you and your insurer must follow. Read your insurance policy to see what your responsibilities are. 1. If you are the victim of a theft or your home has been vandalized or burglarized, report it to the police. 2. Before filing a claim, call your agent and ask questions: Is my loss a covered loss? Does my claim exceed my deductible? How long will it take to process my claim? Will I need to obtain estimates for repairs to structural damage? 3. Take reasonable steps to protect your property from further damage. 4. You are going to need to verify your loss. Take pictures and avoid throwing out damaged items until the adjuster has visited your home. 5. If your home is severely damaged ..... Thu, 4 Dec 2008 16:12:45 -0600 http://www.longislandexchange.com/profiles/rss.php?header=blogs&id=197 http://www.longislandexchange.com/profiles/rss.php?header=blogs&id=197 Long Island Insurance is a local agency. We offer a full line of insurance products including home insurance, life insurance, renters insurance, and car insurance. We currently write business in the entire state of New York with the majority of those clients living in the Staten Island and Long Island area. At our office, we have a fully licensed team of professionals who strive to surpass our customers expectations. We will provide you with excellent insurance rates and customer care. Please call us today at (877) 947-2666 or click above to access one of our online, free quote forms. ..... Thu, 4 Dec 2008 16:12:35 -0600