When the walls collapse and the entire contents of your basement are ruined, if you only carry standard homeowners insurance, you may be in for a rude awakening.
"Any flooding coming from the walls or flooring is excluded, homeowner's policies do not cover any flooding," Mike Scalera said.
Scalera is a State Farm agent in the hard-hit towns of Springfield and Millburn. He has taken more than 100 claims from Ida so far.
"With all the rain that's come in, it's really taken it to another level," Scalera said.
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Some residents like Mike Grazul were devastated by flooding, but didn't have insurance.
"This is all sewage water -- I had everything in tubs, it fell over, blew apart," Grazul said.
He had flood insurance during Irene but didn't opt for coverage after he paid off his home.
"We're not in the flood zone supposedly anymore," Grazul said.
He says he didn't get coverage last time when he had flood insurance.
You're required to have flood insurance if you live in a flood zone or have a mortgage.
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Flood insurance costs approximately $1,000 a year in New York and New Jersey and will cover $250,000 maximum of structural damage and $100,000 for contents.
"They wanted me to pay $100 when I moved here for flood insurance, but I never knew it was gonna flood like this," one Paterson resident said.
Her basement and first floor were flooded by the swollen Passaic River and was not paying for flood insurance. She's now pumping out and worried.
"My concern is that I'm not gonna be reimbursed for nothing that was flooded in my house," she said.
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