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Flood Season in Hoboken and Jersey City: 8 Things to do Before and After a Flood

myhoatreasurer

Updated: Jul 10, 2023

It's that time of the year to prepare for a busy Hurricane season. Here are a few things to keep in mind:


Preventative:

  1. Check coverage with your preferred insurance agency

  2. Keep the floors in the first floor free of debris and lift any items in your storage room. For example, we have a freezer that we use cinder blocks to lift off the floor. We also made sure any high value items are not on the first bottom shelf in our storage room.

  3. Look into door flood gates. These could be helpful to prevent flooding through the doors, however, even then you may get water elsewhere.

  4. Make a list of vendors for repairs. If you have good relationships with local vendors that helps but they may get swamped. However, sometimes having a backup in a location that didn't flood could be useful as they won't be as busy.

During/after a flood:

  1. Check your flood insurance and make sure that its current and you know what to do to file a claim.

  2. Gather evidence. Make sure to take pictures, videos of the damage and where the flooding came from. For example if you're getting backup from the sewer, that could be covered by the building's liability insurance whereas flooding from the front door could be covered by flood insurance.

  3. File a claim promptly. If it is a major event, there could be a backlog. Best to get in front of the line. Here's more information on filing a FEMA claim.

  4. Follow up. Get quotes to make repairs but also to support your insurance claim if the reimbursement is less than expected.

  5. Use the opportunity to repair to make improvements. While you may only be reimbursed for damage incurred, perhaps use the opportunity to invest and upgrade your existing common areas.

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