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Tropical Storms, Florida and NJ: What’s the Insurance Connection?

Hurricanes, Flooding and Storm Surging

Katrina; Irene: Sandy; Ingrid - now Erika?

Last week, Tropical Storm Erika blistered across some of the most vulnerable coastal areas of Cuba, Florida, Georgia, South Carolina and North Carolina, causing death, havoc and destruction. Fortunately, as it passed through the rugged isles of Cuba and Hispaniola, its momentum was stopped short.

Currently relegated to a tropical rainstorm, Erika’s association to a channel of low pressure is causing heavy downpours over parts of southern Florida, the Florida Keys and the coast of Carolina. While the potential for the moisture to regenerate back to tropical forms is remote, living in coastal areas places weather risks literally at residents’ door fronts.

Are You Prepared?

As those residing between Florida and the Georgian coast brace themselves for possible flooding, New Orleans and neighboring areas solemnly commemorate the tenth anniversary of Hurricane Katrina and the unprecedented devastation that it wrought. The joint events leave Americans holding the mirror of truth to their faces: have we learned the lessons to confront tropical storms? Larry Greenemeier’s Augurst 27th article, Is the US Ready for the Next Hurricane Katrina, is revealing.

But there is another question that each individual living along the Garden State’s shoreline should ask:  How can a standard NJ Homeowners Insurance policy be upgraded so that it protects from financial ruin in the event of a damaging hurricane?

The only way to prepare is by having adequate coastal insurance. Following Sandy, NJ’s coastal areas have much in common with Florida, Texas and other regions that sit close to the water’s edge or are prone to wind and hail storms. 

Since Sandy, Deal, Long Branch, Toms River, Manahawkin and other townships within the NJ shore area are considered part of a ‘storm exposed area’. With the classification comes the need to address serious issues related to insurance coverage.

PRIME Insurance Provides NJ Coastal Insurance

PRIME Insurance offers the unique guidance that you need. Appointed to do direct business with tens of the leading insurance companies, PRIME uses these resources to locate the right coverage at the right quote.

As storm season brews, PRIME offers the peace of mind that comes with knowing you have a fitting Homeowners Insurance NJ policy – that includes coastal protection*.

*There is a 30-day waiting period on purchasing flood insurance


Summary: We’ll never forget the devastation of Hurricane Katrina, Sandy and those like them. For those within the path of the recent Tropical Storm Erika, the wounds have not yet healed. Though we can’t change Mother Nature’s course, there are proactive steps we can take to protect us from the financial devastation should a major storm hit. Let PRIME Insurance show you how coastal insurance can protect you from tempest’s wrath.


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