Homes that are on or near the water on Long Island , Queens and Brooklyn need a windstorm inspection.
HOUSEMASTER HOME INSPECTION
My name is Matt Kaplan, owner of Housemaster Home Inspection.
Some homeowners are finding it difficult to find insurance coverage near or on the water. I felt this information is important to know in case you come across clients/friends with this situation. You'll need a professional engineer for the inspection. Most homeowners receive a letter from NY State Property Insurance and need to perform this inspection within 60 days.
New York Property Insurance Underwriting Association (FAIR Plan): The plan insures properties where the homeowner cannot find coverage elsewhere. "Extended coverage" includes windstorm coverage. The plan operates on two levels: properties within 1,500 of the shore and in the rest of the state. For properties within 1,500 feet of the shore, windstorm coverage is included, but the owner must have a licensed engineer or architect inspect the property and complete a form verifying that the home has reinforcements that minimize wind damage. If the owner cannot comply, the windstorm coverage is deleted.
Coastal Market Assistance Plan (C-MAP): The C-MAP helps policyholders living along the coast locate an insurer willing to provide homeowners coverage. Homeowners must have made three attempts to secure coverage from the C-MART (insurers in the regular market) before they can apply to the program. Properties must be one-to-four family, owner-occupied homes, located on Long Island's South Shore and the shore areas of Brooklyn, Queens, Staten Island and Long Island's Forks, within one mile of the shore (salt-water ocean, sound, bay or inlet); Long Island's North Shore, the Bronx and Westchester, within 2,500 feet of the shore.
Information Sources:
New York State Department of Insurance: http://www.ins.state.ny.us/
New York Property Insurance Underwriting Association: http://www.nypiua.com/
Coastal Market Assistance Plan (C-MAP): http://www.nypiua.com/cmap.html
Contact: Matt Kaplan
Phone: 800-805-1122
Company: Housemaster Home Inspection
Email: mkaplan@housemaster.com
Web: www.longisland.housemaster.com
Web: www.Queens.housemaster.com
Web: www.Brooklyn.housemaste.com
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