The top-rated flood insurance agent in Binghamton, New York is Adam J. Roux: Allstate Insurance, rated 4.8 stars across 166 reviews. Other highly rated options include Jim Rollo - State Farm Insurance Agent, Triple Cities Agency LLC, Mark Anderson - State Farm Insurance Agent. This directory lists 16 flood insurance agents serving Binghamton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Adam J. Roux: Allstate Insurance | 1250 Front St | (607) 722-1800 |
| 2 | Jim Rollo - State Farm Insurance Agent | 1332 Front St Ste 1 | (607) 238-1355 |
| 3 | Triple Cities Agency LLC | 1249 Front St #108 | (607) 203-0075 |
| 4 | Mark Anderson - State Farm Insurance Agent | 50 Pennsylvania Ave | (607) 724-2886 |
| 5 | Michael Butler: Allstate Insurance | 32 W State St Ste 204 | (607) 722-2305 |
| 6 | AA-Wyak Insurance Agency Inc. | 7 Jarvis St | (607) 723-2332 |
| 7 | Kriner & Furlong Insurance Agency | 484 Chenango St | (607) 723-9484 |
| 8 | Farmers Insurance - Kristy McWherter | 168 Susquehanna St | (607) 721-1100 |
| 9 | Shadduck Insurance | 32 Broad Ave | (607) 234-2542 |
| 10 | Keegan Insurance | 119 Robinson St | (607) 724-4919 |
Adam J. Roux: Allstate Insurance serves the Binghamton, NY area as a flood insurance agent. The agency helps property owners in flood-prone regions of the metro secure necessary coverage against water damage. It advises clients on policy limits and exclusions common to standard homeowners plans. Claims support is provided for those facing losses from rising waters. The company handles residential and commercial flood insurance applications.
Jim Rollo - State Farm Insurance Agent in Binghamton, New York provides flood insurance policies designed to help property owners manage financial risks from water damage. Its service includes helping clients understand coverage options and navigate the application process for federal and private flood plans. The agency focuses on clear communication and policy review to ensure adequate protection against seasonal flooding. It serves a variety of local properties, including single-family homes, apartments, retail locations, and restaurants.
Flood insurance coverage in particular is provided to homeowners, businesses, and property managers in the region by Triple Cities Agency LLC of Binghamton, New York. The agency helps these clients understand the available federal and private flood protection options, tailoring policies to fit specific property risks. It assists with the application and claims process for structures located in designated flood zones. In addition to its Binghamton work, the agency also serves the surrounding community of Johnson City.
Mark Anderson - State Farm Insurance Agent serves Binghamton, New York, and the surrounding communities. This office handles flood insurance policies designed to protect properties from water damage common in the region. It assists clients with coverage that addresses local weather risks and floodplain requirements. For a typical job, the agent first reviews the property’s flood zone classification, then evaluates existing coverage, and finally provides a clear policy proposal tailored to the homeowner’s specific needs and budget.
Michael Butler: Allstate Insurance in Binghamton, NY offers flood insurance on a one-time policy purchase basis, as well as ongoing coverage that can be renewed each term. Their services help protect homeowners from potential water damage costs that standard policies may not cover. Clients can consult about different deductible levels and dwelling coverage limits when selecting a plan. As a local flood insurance agent, this office provides service on a scheduled renewal cycle, typically annual, or as-needed for new property acquisitions and significant coverage updates.
After heavy spring rains or winter thaws in the Susquehanna River basin, property owners around Binghamton face a heightened flood risk. AA-Wyak Insurance Agency Inc. serves this community as a flood insurance agent, guiding clients through policies that cover structural and content losses from rising water. The agency helps evaluate coverage limits based on local flood zone designations and property elevation requirements. An initial consultation typically includes a review of the home’s flood history and a discussion of available federal and private program options before scheduling an in-person property inspection.
Kriner & Furlong Insurance Agency in Binghamton, New York provides residential flood insurance coverage for homes in the local area. The agency also offers commercial flood policies designed to protect businesses from water-related financial loss. They serve clients throughout the Binghamton region, including surrounding communities that face flood risks from the Susquehanna and Chenango Rivers. Their team assists with policy questions and claim processes. They routinely contact clients before policy renewal or when flood zones are updated, ensuring continued protection between regular visits.
Farmers Insurance - Kristy McWherter specializes in flood insurance coverage, providing policies that protect properties from water damage due to rising waters. The agency also serves Binghamton area homeowners and businesses with general insurance needs. Located in Binghamton, New York, this agent helps clients understand flood risk and secure appropriate plans before storms or heavy spring thaws cause costly damage.
Shadduck Insurance assists property owners with securing essential coverage tailored to the Binghamton area's flood risks. The agency focuses specifically on flood insurance policies, helping clients understand zone requirements and policy limitations. It works with residential and commercial clients to address potential water damage exposures that standard property policies typically exclude. Commercial services extend to offices, warehouses, and food service operations requiring customized protection plans.
Keegan Insurance in Binghamton, NY, is known for providing flood insurance policies to local homeowners and businesses. The agency helps clients secure coverage that is often required by lenders or wise for properties near rivers and low-lying areas. Its team works with residents to identify appropriate protection against potential water damage. A specialty service it can add on is securing separate contents coverage for personal belongings stored in basements or ground-level rooms.
What Does a a Flood Insurance Agent in Binghamton Cost?
Typical flood insurance costs in New York range from 500 to 3,000 dollars per year for NFIP policies, depending on flood zone, building elevation, and coverage amount. Private market policies may cost more or less. Rates are set by FEMA for NFIP policies and by insurers for private policies. This is general information and not insurance advice.
About flood insurance agents in Binghamton
Flood insurance agents in Binghamton New York help property owners secure coverage through the National Flood Insurance Program and private markets. New York law requires flood insurance for properties in high-risk zones if they have a federally backed mortgage. Local agents understand the flood risks from the Susquehanna and Chenango Rivers and can guide you through the 30-day waiting period for NFIP policies.
Frequently Asked Questions
What does a flood insurance agent in Binghamton do?
A flood insurance agent helps you find and purchase a flood insurance policy that meets your needs. They explain coverage limits, deductibles, and the difference between building and contents coverage. They also assist with claims and policy renewals.
Is flood insurance required in Binghamton New York?
Flood insurance is required for properties in FEMA-designated high-risk flood zones if the property has a mortgage from a federally regulated lender. New York State also encourages coverage for properties in moderate-risk areas. Your agent can check your property flood zone.
How long does it take for a flood insurance policy to start in New York?
Standard NFIP policies have a 30-day waiting period from the date of purchase before coverage begins. Exceptions exist for loans closing on a property or for map changes. Private policies may have different waiting periods.
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