Most basic NYC property-insurance plans don't cover flood damage from tropical storms like Ida, but it's not always hopeless
In most cases, flood and wind coverage, which are two separate policies in themselves, are supplemental to typical home and renter's insurance plans. These plans need to be added-on and can cost hundreds more per year. It also takes around 30 days to go into full effect, which means New Yorkers not previously covered who have experienced flooding from Ida are out of luck.
People can file claims with emergency organizations like FEMA that work through the city of New York. For instance, themaps areas that are subject to flood hazards and offers flood insurance to homeowners, renters, and business owners to help alleviate disaster assistance efforts and rising recovery costs. Luckily, the service is currently available to 1,466 communities in the New York area.
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