🌀 Storm Watch: What the Halloween Week Storm Means for Your Flood & Business Insurance in Morris Plains, NJ
Halloween is right around the corner and so are potential storms in New Jersey. Right now it looks like things might clear for Trick or Treating at night but this is always a great time to remember Flood Insurance.
For homeowners and business owners in Morris Plains, this isn’t just a weather event — it’s a timely reminder to make sure your insurance coverage can actually protect you when the storm hits.
Whether it’s flooding, wind damage, or business interruption, reviewing your policies before a storm is one of the smartest moves you can make.
🌬 1. What’s in the Forecast
Meteorologists are tracking a mid-week storm that’s forecasted to bring 1–2 inches of rain across North Jersey, with potential for more in localized areas. While Morris Plains doesn’t face the same coastal flood threats as the shore, creeks, drainage systems, and low-lying neighborhoods could still experience flash flooding.
Heavy rain is expected between Wednesday night and Friday morning.
Gusty winds may lead to tree damage or power outages.
Roadway flooding could impact Halloween activities and business operations.
🏡 2. Why This Storm Matters for Insurance
Homeowners Insurance
Standard homeowners insurance typically does not cover flood damage.
If your basement floods due to heavy rain or stormwater backup, you may not be covered without a separate flood insurance or water backup endorsement.
Even homes outside of high-risk flood zones can be affected during heavy rainfall events.
Business Owners & Contractors
Stormwater can damage equipment, tools, and vehicles.
Wind damage or power outages may lead to costly downtime.
A business interruption endorsement can help protect income if your business operations are disrupted.
🕒 Timing matters — waiting until after the storm to review coverage is too late to make changes.
🛠 3. Storm Prep: Smart Steps to Take Now
✅ Review your policy to confirm what’s covered (and what isn’t).
🧹 Clear gutters, drains, and sump pumps to reduce flood risk.
🧰 Secure outdoor equipment and vehicles to prevent storm damage.
📝 For business owners: check if your business interruption coverage is active and up to date.
📞 Contact BIS Improved Insurance Agency for a quick, no-cost coverage review before the weather hits.
🏢 4. Why Choose BIS Improved Insurance Agency
🏠 Local experts: We’re based in Morris Plains and understand local flood risk and storm patterns.
💼 Contractor and commercial specialists: We help protect equipment, vehicles, and liability exposure.
📝 Policy reviews made easy: We’ll assess your homeowners or business policies and flag gaps before a loss happens.
🛡 Flood + storm coverage options: We offer both NFIP and private flood markets for flexibility and faster solutions.
Visit: bisrm.com/business-insurance
📢 5. Act Now Before the Halloween Storm Hits
Don’t wait for a flooded basement, damaged truck, or lost business day to find out you’re underinsured. Take action today:
📞 Call: 973-683-1000
💻 Visit: www.bisrm.com/contactus
Click here for a Flood Insurance Quote
📍 Serving Morris Plains and Morris County, NJ since 1976
🎃 Be prepared — not just for Halloween — but for any storm that comes your way.
