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Insurance - 2024 - 88 Madison Ave, Albany, NY 12202.pdf

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JOE BOOKER AGENCY INC 1800 MIDDLE COUNTRY RD CENTEREACH, NY 11720 FEBRUARY 29, 2024 EARL CO 385 S CHEROKEE ST APT 216 DENVER, CO 80223-2122 Policy Number: 38006435572022 Insured(s): EARL CO Property Location: 88 MADISON AVE ALBANY, NY 12202-2034 Flood Insurance Policy Packet This packet includes: Your Flood Insurance Declarations Page A National Flood Insurance Program Summary of Coverage Claims Guidelines in Case of a Flood If you would like to electronically view or print a copy of the Standar

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JOE BOOKER AGENCY INC
1800 MIDDLE COUNTRY RD
CENTEREACH, NY 11720

FEBRUARY 29, 2024

EARL CO
385 S CHEROKEE ST APT 216
DENVER, CO 80223-2122

Policy Number:

38006435572022

Insured(s):
EARL CO
Property Location: 88 MADISON AVE
ALBANY, NY 12202-2034

Flood Insurance Policy Packet
This packet includes:

Your Flood Insurance Declarations Page
A National Flood Insurance Program Summary of Coverage
Claims Guidelines in Case of a Flood
If you would like to electronically view or print a copy of the Standard Flood Insurance Policy, please visit
https://myallstateflood.com, click View Important Flood Documents link and select from the list of documents. Your consent
to this policy delivery option is assumed, unless you contact us to request a mailed or e-mailed copy of the policy.
If you would like a copy of the Standard Flood Insurance Policy e-mailed or mailed to you, please contact our customer
service team at 800-527-2634 or allstateflooduw@torrentcorp.com.

Important Information About The National Flood Insurance Program
Federal law requires insurance companies that participate in the National Flood Insurance Program to provide you with the
enclosed Summary of Coverage. It’s important to understand that the Summary of Coverage provides only a general
overview of the coverage afforded under your policy. You will need to review your flood insurance policy, Declarations
Page, and any applicable endorsements for a complete description of your coverage. The enclosed Declarations Page
indicates the coverage you purchased, your policy limits and the amount of your deductible.
You will soon receive additional information about the National Flood Insurance Program. This information will include a
Claims Handbook, a history of flood losses that have occurred on your property as contained in FEMA’s data base, and an
acknowledgement letter.
If you have any questions about your flood insurance policy, please contact your agent or your insurance company.

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CLAIM GUIDELINES IN CASE OF A FLOOD
For the protection of you and your family, the following claim guidelines are provided by the National Flood Insurance
Program (NFIP). If you are ever in doubt as to what action is needed, consult your insurance representative.

Insurance Agent: JOSEPH BOOKER
Agent's Phone Number: (631) 588-3300
• Notify us or your insurance agent, in writing, as soon as possible after the flood.
• Your claim will be assigned to an NFIP certified adjuster.
• Identify the claims adjuster assigned to your claim and contact him or her if you have not been contacted within 24 hours
after you reported the claim to your insurance representative.
• As soon as possible, separate damaged property from undamaged property so that damage can be inspected and
evaluated.
• To help the claims adjuster, take photographs of the outside of the premises showing the flooding and the damage and
photographs of the inside of the premises showing the height of the water and the damaged property.
• Place all account books, financial records, receipts, and other loss verification material in a safe place for examination and
evaluation by the claims adjuster.
• Work cooperatively with the claims adjuster to promptly determine and document all claim items. Be prepared to advise
the claims adjuster of the cause and responsible party(ies) if the flooding resulted from other than natural cause.
• Make sure that the claims adjuster fully explains, and that you fully understand, all allowances and procedures for
processing claim payments. This policy requires you to send us a signed and sworn-to, detailed proof of loss within 60
days after the loss.
• Any and all coverage problems and claim allowance restrictions must be communicated directly from the NFIP. Claims
adjusters are not authorized to approve or deny claims; their job is to report to the NFIP on the elements of flood cause and
damage.
At our option, we may accept an adjuster’s report of the loss instead of your proof of loss. The adjuster’s report will include
information about your loss and the damages to your insured property.

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