The top-rated flood insurance agent in Patchogue, New York is Ken Kortright - State Farm Insurance Agent, rated 5.0 stars across 1,567 reviews. Other highly rated options include Steve Klinzing - State Farm Insurance Agent, Robert Donahue - State Farm Insurance Agent, Bay Harbour Insurance Agency, Inc.. This directory lists 20 flood insurance agents serving Patchogue.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ken Kortright - State Farm Insurance Agent | 224 E Main St Ste A | (631) 289-7300 |
| 2 | Steve Klinzing - State Farm Insurance Agent | 288 Waverly Ave | (631) 363-2468 |
| 3 | Robert Donahue - State Farm Insurance Agent | 499-77 Sunrise Hwy | (718) 459-2609 |
| 4 | Bay Harbour Insurance Agency, Inc. | 88 Waverly Ave | (631) 758-1550 |
| 5 | Gary Lombardo: Allstate Insurance | 1 S Ocean Ave Ste 204 | (631) 740-9742 |
| 6 | Specialized Insurance | 204 Medford Ave | (631) 758-6780 |
| 7 | LIGHTHOUSE INSURANCE PATCHOGUE | 259 Medford Ave | (631) 289-6400 |
| 8 | Michael Cirigliano: Allstate Insurance | 629 NY-112 #10 | (631) 758-7225 |
| 9 | Landmark Public Adjusters | 270 Medford Ave | (631) 310-0770 |
| 10 | CRISTIAN LYNCH: Allstate Insurance | 440 Waverly Ave | (631) 289-5333 |
Ken Kortright - State Farm Insurance Agent serves the Patchogue, NY area as a flood insurance agent. This agency helps property owners understand the risks of water damage common in coastal Long Island communities. They guide clients through available options for protecting homes and businesses from flood-related losses. The company works to ensure customers have coverage that addresses local flood zone requirements. Their specific services include handling flood insurance applications and assisting with policy claims for properties in Patchogue and the surrounding county.
Steve Klinzing - State Farm Insurance Agent in Patchogue, NY, offers a range of flood insurance services, including policy assessments and plan updates. Regular service plans help clients adjust coverage as local flood maps or property values change. The agency guides homeowners through the often-complex application process for the National Flood Insurance Program. Additional consultations address potential coverage gaps for rental income or personal property. It services single-family homes, apartments, retail businesses, and restaurants in the region.
Homeowners, businesses, and property managers in Patchogue, NY turn to Robert Donahue - State Farm Insurance Agent for flood insurance policies. As a local flood insurance agent, this company helps clients secure coverage that protects properties from water damage common to the region. The agent assists with policy selection and claims guidance, ensuring property owners understand their flood risk. This service also extends to neighboring communities throughout Suffolk County, including the greater Bellport and Medford areas.
Bay Harbour Insurance Agency, Inc. serves Patchogue and the surrounding communities across Long Island’s South Shore. As a flood insurance agent, it handles policies to protect residential and commercial properties against flood damage, a vital concern in this coastal and low-lying region. The agency works closely with clients to help determine appropriate coverage limits for their specific flood zones. Its general approach to a typical job involves diligently reviewing property flood risk and policy details to offer clear guidance before submission.
Gary Lombardo: Allstate Insurance offers flood insurance agent services in Patchogue, NY. It helps residential and commercial clients understand and select appropriate flood coverage for their properties. The agency works with individuals to navigate policy options and address specific risk factors common in this region. Its general service includes answering questions about protection against water damage from storms. The agency assists with preparing for the increased flooding risks that often accompany hurricane season along the south shore of Long Island.
Specialized Insurance provides flood insurance coverage to property owners in the Patchogue, New York area, focusing on securing policies that address local water damage risks. The agency specializes in adding excess flood and contents protection options to standard residential and commercial plans. Homeowners and renters can arrange comprehensive policies for single-family houses and condominiums. For commercial clients, flood insurance programs are available to cover offices, warehouses, and food service operations in the region.
Lighthouse Insurance Patchogue guides clients in Patchogue, NY, through the distinction between obtaining a one-time flood policy for a specific property and setting up recurring coverage for ongoing flood risk. Their agents explain coverage limits, including the protection for both building structure and contents, and clarify requirements from local flood maps. Policy service runs on either a one-time basis for single transactions or an as-needed schedule for policy changes and renewals.
As flood season approaches on Long Island, homeowners in Patchogue rely on Michael Cirigliano: Allstate Insurance to navigate the complexities of coverage. This agency specializes in flood insurance, helping protect properties against storm surge and rising water. By assessing local flood zones and policy options, they guide clients through the selection of appropriate protection. A typical initial step involves scheduling a property inspection to evaluate existing risks and determine suitable coverage limits for the home.
Landmark Public Adjusters of Patchogue, NY assists residential property owners with navigating the complexities of flood insurance claims and coverage. The company likewise serves commercial clients in the surrounding region who require similar protection against water damage. A licensed flood insurance agent provides guidance on policy details and claim filing. After an initial adjustment, the company can follow up with clients to address any lingering issues or arrange service between regular policy reviews.
What Does a a Flood Insurance Agent in Patchogue Cost?
The cost of flood insurance in Patchogue New York typically ranges from 700 to 2,500 dollars per year for a standard NFIP policy. Private market policies may cost more or less depending on your flood zone and property elevation. Factors like building value and deductible level also affect the premium. This is general information and not insurance advice.
About flood insurance agents in Patchogue
Flood insurance agents in Patchogue New York help residents and business owners secure coverage through the National Flood Insurance Program or private insurers. New York law requires flood insurance disclosures for properties in high-risk flood zones. Agents can guide you on elevation certificates and flood map updates specific to Suffolk County.
Frequently Asked Questions
What does a flood insurance agent in Patchogue do?
A flood insurance agent helps you assess your flood risk and choose a policy that meets your needs. They explain coverage limits deductibles and exclusions. They also assist with filing claims and understanding New York flood zone designations.
Is flood insurance required in Patchogue New York?
Flood insurance is required by federal law if your property is in a high-risk flood zone and you have a mortgage from a federally regulated lender. New York does not have a separate state mandate but local lenders may enforce the federal requirement.
How do I find a flood insurance agent in Patchogue?
You can search the New York State Department of Financial Services website for licensed agents in Patchogue. Ask neighbors or real estate agents for referrals. Ensure the agent is authorized to sell flood insurance in New York.
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