Storm Surge

Storm Surge

Definition

Storm Surge refers to the abnormal rise of seawater levels generated by the force and pressure of a storm, typically a hurricane or tropical cyclone. It is driven primarily by strong winds pushing water toward the shore, often causing severe coastal flooding. In the context of insurance, storm surge damage may not always be categorized as wind damage, which can affect how coverage applies under different types of policies.

How It Works

When a powerful storm approaches coastal areas, low atmospheric pressure and sustained winds push ocean water onto land. The magnitude of a storm surge depends on several factors, including the storm’s intensity, forward speed, coastal topography, and tidal conditions. Insurance coverage for storm surge damage can vary depending on the policy type—such as a homeowners, flood, or commercial property policy—and its inclusion or exclusion clauses. Claims arising from storm surge often fall under flood-related losses, which may require policies specifically underwritten or supplemented by federal or state programs like NFIP (National Flood Insurance Program).

Why Plainview, NY Residents Should Know This

For residents and business owners in Plainview, NY, understanding storm surge risk is crucial even if the community itself is slightly inland. Coastal counties of New York can experience flooding that radiates inward during major storms, disrupting transportation networks, utilities, and local businesses. Awareness of how storm surge affects insurance coverage ensures that property owners have the right protection in place, especially as severe weather events become more common across the region.

What This Means for Your Coverage

Having a clear understanding of storm surge coverage is essential to protect your property investment. For homeowners, reviewing your Homeowners Insurance policy helps identify whether flood-related storm surge is included or if you need to supplement it with a dedicated plan. Business owners should evaluate their Commercial Property Insurance and Business Owners Policy to confirm how storm surge damage is handled and whether additional coverage through specialized flood insurance is advisable. Understanding these details prevents unexpected coverage gaps after an event.

Expert Tip

The professionals at Edward Lehmann Agency recommend conducting annual reviews of your insurance policies, especially heading into hurricane season. By working with a knowledgeable agent familiar with the local Plainview, NY area, you can determine your exposure to storm surge and ensure full protection through the right combination of policies.