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Old 06-21-2014, 11:07 AM
 
Location: Glenbogle
730 posts, read 1,108,191 times
Reputation: 1048

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If you've bought a house (single family home, not a condo) anywhere east of Riverhead -- in other words on either of the Forks -- during the past couple of years, what has your experience been regarding (a) homeowners insurance and (b) flood insurance/flood zones?

How long ago did you buy your house? Was it before or after Sandy?

Were you able to get "regular" homeowners insurance, or did you have to buy a high-risk (excess lines) policy which is more expensive?

Were you required to get flood insurance because you're in a flood zone? If so, what are you currently paying for flood insurance?

I've heard from several sources that companies are NOT writing any new regular homeowners policies for residential properties located east of the end of the LIE (or east of Riverhead in general) and have not been doing so for at least the past 5 years but it's gotten really bad since Sandy. Also that supposedly most if not all of the Forks are in "flood insurance required" flood zones.

What's your experience?
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Old 06-21-2014, 11:16 AM
 
Location: Planet Earth
1,474 posts, read 2,691,979 times
Reputation: 1480
My best friend bought a house in Wainscott a little over a year ago and I helped him shop around for insurance. I can answer your questions but since I personally havent lived there I won't cause you only want to hear from people who actually live there.
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Old 06-21-2014, 11:29 AM
 
Location: The Twilight Zone
12,007 posts, read 13,823,393 times
Reputation: 8442
No flood, waterfront in Southold.
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Old 06-21-2014, 11:33 AM
 
Location: Glenbogle
730 posts, read 1,108,191 times
Reputation: 1048
Quote:
Originally Posted by MrBitterness View Post
My best friend bought a house in Wainscott a little over a year ago and I helped him shop around for insurance. I can answer your questions but since I personally havent lived there I won't cause you only want to hear from people who actually live there.
Well, I specified "live there" because in most cases those would be the only people who had direct experience with getting both homeowners and (if needed) flood insurance.

But since you were part of the process I would be interested in hearing how things went for your friend with the Wainscott house, insurancewise.
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Old 06-21-2014, 11:35 AM
 
Location: Glenbogle
730 posts, read 1,108,191 times
Reputation: 1048
Quote:
Originally Posted by hotkarl View Post
No flood, waterfront in Southold.
Were you able to get 'normal' homeowenrs insurance, or did you have to get coverage from an excess-lines company?
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Old 06-21-2014, 11:37 AM
 
Location: The Twilight Zone
12,007 posts, read 13,823,393 times
Reputation: 8442
It's normal.
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