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Hamptons.com
October 1, 2013

Hamptons Home Insurance: What You Need To Know Before The Next Superstorm

John A. Viterittiby John A. Viteritti
in Real Estate
Home Real Estate

Given the relationship between insurance and real estate and the propensity of regular superstorms in the Hamptons, I met with insurance broker Tim Brenneman, Executive Director of Cook Maran & Associates, which has five offices in New York and New Jersey, including East Hampton and Southampton, to get the real deal on what every homeowner should know to protect their slice of heaven on the East End of Long Island.

“Let me start by saying a homeowner’s policy is designed for a homeowner who intends to occupy their home,” Brenneman began when explaining flood insurance. “So if you’re buying your home to occupy as a primary, secondary, or seasonal basis, it’s all the same as long as you intend to occupy that home. The second you decide to rent your home, that’s when you should contact your insurance broker. If you are renting out your home on a permanent basis, your agent will re-write your insurance to a dwelling fire form which has an allowance for the owner to rent the home, otherwise if the home is not owner occupied it could trigger an exclusion whereby coverage is not available.”

When it comes to the more common seasonal rentals, Memorial to Labor Day or shorter periods of time he says, “The home owner’s policy should be sufficient but it may affect contents, and that should be discussed with your insurance agent.” That covers the homeowner but what about the renter? “If the renter owns another home which is insured, for instance, a co-op in the city, it is easy and very inexpensive to extend that policy and coverage to the home they will be renting. If they have an umbrella policy, which we always recommend, they should contact that carrier and will be protected for liability.”

Even if the renter doesn’t own elsewhere he or she can still be covered, “If the tenant has renter’s insurance elsewhere, condo, co-op, or rental, that coverage can be extended to the temporary rental.”

A major concern of home owners on the East End of Long Island is flood insurance and the role of FEMA, (Federal Emergency Management Agency) especially with the devastation of Hurricane Sandy still fresh on the minds of many. “Let me emphasize that I do not believe that anyone’s insurance is complete without both a homeowner and flood insurance policy,” stressed Brennemen. “Flood insurance is defined as rising ground water and tidal water. It is excluded from homeowner insurance.”

Brenneman went on to explain, “The only place to buy flood insurance is through a federal program administered by FEMA and sold by many different providers who put their names on the policy but they really are only administrating the National Flood Insurance Program. So the rates and the coverage are the same except the name on the policy. Currently, because of the storms that the country has experienced over the past ten years, the program is substantially in the red. There are a number of changes being considered including the re-writes of the flood zones especially in areas that are considered flood-prone, which includes New York and New Jersey. Flood maps are being re-written as we speak. It is anticipated that we will begin to see revisions in October of this year which will result in increases in premiums which may be quite substantial.”

Homeowners can be denied flood insurance Brenneman says, “Only if their community does not participate in the flood insurance program. The vast majority of communities in New York and New Jersey do participate, which means they have adopted the federal guidelines for zoning and other guidelines with intended to mitigate the possibility of flood damage.”

It’s the water and sustained winds that do the most damage and might not be covered in your policy Brenneman explains, “Most people think of water coming up to their doorstep and that will never happen. But the biggest threat we face in this area is hurricanes which brings two principal concerns – wind, which is covered by the homeowner policy, and water, specifically rising tidal and ground water that would be covered under the flood policy. With hurricanes it often isn’t the winds but the amount of rainfall over a short period of time that causes damage that can only be covered under flood insurance.”

Superstorm Sandy vs. Hurricane Sandy explained. “If you recall,” says Brenneman, “immediately after Sandy struck, Governors [Chris] Christie and [Andrew] Cuomo declared that Sandy was not a hurricane. The reason was because substantial deductions in homeowner’s policies would have applied if it were. For example, a home insured for a million dollars could have a deductible of fifty thousand dollars.”

Replacement and repair after the storm kept the trades in business but many homeowners were confused says Brenneman, “It’s the responsibility of the insurance carrier to restore your property to the condition it was before you sustained damage. For example, a damaged roof will not necessarily result in the replacement of the entire roof.”

Insurance companies do take into consideration the varying costs of labor and materials in one community as compared to another he says, “But as happened in Florida, where the damage took place in a confined area and the demand for replacement parts exceeded the available supply, the costs were driven up substantially. That concept is known as ‘demand surge’ and the insurance companies will only pay up to a certain amount in order to keep in check what contractors may charge. In the case of Sandy, a lot of homeowners who purchased all of the insurance available to them still found themselves with uncovered costs, the reason being the specific limitations placed on flood insurance by FEMA – furnace, hot water heater – in general, what’s known as the ‘mechanicals’ but not property stored in the basement nor bushes, decks, for instance.”

Where is the issue of flood insurance going for homeowners on the East End of Long Island in the immediate future? “What I see is,” states Brenneman, “more homes in high risk areas being included in flood zones, and an attempt by the federal government to have those homeowners bear a greater part of the costs by increasing premiums in higher risk areas.”

Editor’s Note: Tim Brenneman is the Director of the Cook Maran Associates Real Estate School, located in East Hampton and Southampton, an institution where writer John A. Viteritti teaches.

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ARF’s Stroll to the Sea Dog Walk

October 11 @ 09:00 AM - October 11 @ 12:00 PM
Mulford Farm, 10 James Lane, East Hampton, NY
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Family Drip Painting Workshop

October 11 @ 10:00 AM - October 11 @ 11:30 AM
830 Springs Fireplace Rd, East Hampton, NY 11937
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Free Family Fun: 26th Annual Long Pond Greenbelt Celebration

October 11 @ 10:00 AM - October 11 @ 01:00 PM
SOFO Museum, 377 Bridgehampton/Sag Harbor Turnpike
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CMEE’S Big Birthday Bash!

October 11 @ 10:00 AM - October 11 @ 12:00 PM
376 Bridgehampton-Sag Harbor Turnpike, Bridgehampton, NY 11932
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Chowdah Chowdown – to benefit Springs Food Pantry

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Springs Tavern and Grill, 15 Fort Pond Blvd, East Hampton, NY 11937
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  • Grab your furry friend and take a stroll to Main Beach with ARF!

Check out the Top Hamptons Events This Weekend!

🐾 ARF’s Stroll to the Sea Dog Walk
📅 When: Saturday, October 11, 2025 | 9AM–12PM
📍 Where: Mulford Farm, 10 James Lane, East Hampton, NY

Enjoy vendors, contests, and giveaways before strolling to Main Beach.

🥣 Chowdah Chowdown
📅 When: Saturday, October 11, 2025 | 12PM–3PM
📍 Where: Springs Tavern and Grill, 15 Fort Pond Blvd, East Hampton, NY

All-you-can-eat chowder and soup from 20 local chefs, plus live music and a mocktail bar — all to benefit the Springs Food Pantry!

🍺 SagtoberFest
📅 When: Sat, Oct 11 – Sun, Oct 12, 2025 | 12PM–8PM
📍 Where: Kidd Squid, 11 Spring St, Sag Harbor, NY

Celebrate Oktoberfest Sag Harbor–style! Enjoy bratwurst, pretzels, oysters, pumpkin stew, and live music by Jon Divello, Woody Boley, Greg McMullen & Jake Lear.

🎬 33rd Hamptons International Film Festival
📅 When: Thurs, Oct 9 – Mon, Oct 13, 2025 | 9AM–10PM
📍 Where: Various Locations

The 33rd edition of HIFF brings a world-class lineup of narrative and documentary films, features, and shorts from around the globe. 

🍪 Levain Bakery: Book Talk & Signing
📅 When: Saturday, October 11, 2025 | 12PM–1PM
📍 Where: BookHampton, 41 Main Street, East Hampton, NY

Meet Levain Bakery cofounders Pam Weekes & Connie McDonald and grab their new book.

🌿 26th Annual Long Pond Greenbelt Celebration
📅 When: Saturday, October 11, 2025 | 10AM–1PM
📍 Where: SOFO Museum, 377 Bridgehampton–Sag Harbor Tpk, Bridgehampton, NY

Enjoy games, crafts, guided walks, face painting, and ice cream!

🎉 CMEE’s Big Birthday Bash!
📅 When: Saturday, October 11, 2025 | 10AM–12PM
📍 Where: SOFO, 376 Bridgehampton–Sag Harbor Tpk, Bridgehampton, NY

Join for crafts, treats, dance, and play!

🛋️ Hub Home Grand Opening Party & Open House
📅 When: Friday, October 10, 2025 | 6PM–9PM
📍 Where: HUB Home, 2183 Montauk Hwy, Bridgehampton, NY

Celebrate the grand opening of HUB Home, a curated consignment shop with luxury furnishings, art, and décor.

Check out more events at Hamptons.com (Link in Bio)
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#hamptons #arf #community #stephentalkhouse #dining #hamptonsfilmfestival
  • The 33rd Hamptons International Film Festival kicked off last Friday with the U.S. premiere of A24’s Eternity starring Elizabeth Olsen, Miles Teller, and Callum Turner.⁠
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Elizabeth Olsen attended the premiere on Friday, and on Saturday sat down with IndieWire’s Editorial Director Kate Erbland at the Sag Harbor Cinema as a part of the festival’s “A Conversation With” series. Later that day, the second “A Conversation With” took place as Ethan Hawke and moderator Alison Stewart talked about Blue Moon, as well as Hawke’s filmography. ⁠
⁠
Sydney Sweeney received the festival’s Achievement in Acting Award following the U.S. premiere of her film Christy in East Hampton. ⁠
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Notable Guests included: Alessandro Nivola, Alec Baldwin, Amanda Peet, Tonatiuh, Miriam Shor, Lois Smith, Tim Blake Nelson, Mareille Enos, Bob Balaban, E. Jean Carroll, Roberta Kaplan, Ellen Barkin, Bernie Telsie, Bill Condon.⁠
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📸: Jess Dalene⁠
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Check out the full gallery at Hamptons.com (Link in Bio)⁠
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#hiff #hamptonsinternationalfilmfestival #film #elizabetholsen #sydneysweeney #hamptons #hamptonsfilm⁠
  • When: Fri, Oct 3rd – Sun, Oct 5th, 2025
8am – 5pm

Where: Levain Bakery, 354 Montauk Hwy, Wainscott, NY

Levain Bakery is introducing a new cookie for a limited time: Peanut Butter Dark Chocolate Chip – a decadent mix of creamy and chunky peanut butter with rich dark chocolate chunks. Originally created to celebrate the opening of Levain’s Beverly Hills Bakery, this indulgent new flavor will now be available for just three days only, October 3–5, at all retail bakery locations.

To make the weekend even sweeter, guests who purchase a cookie will receive a Levain Bakery mini tote (while supplies last), a fan-favorite collectible sure to go quickly.

#levain #levainbakery #cookie #minitote #tote #hamptons
  • From world premieres at the Hamptons International Film Festival to SouthamptonFest! ⁠
⁠
Check out the Top Hamptons Events This Weekend!⁠
⁠
🎬 33rd Hamptons International Film Festival⁠
📅 Oct 3 – 13, 2025 | 9AM – 10PM⁠
📍 Various Locations⁠
A global lineup of films, shorts & documentaries.⁠
⁠
🍪 Levain Bakery⁠
📅 Oct 3 – 5, 2025 | 8AM – 5PM⁠
📍 354 Montauk Hwy, Wainscott⁠
Try the Peanut Butter Dark Chocolate Chip cookie + snag a mini tote (while supplies last).⁠
⁠
🎉 13th Annual SouthamptonFest⁠
📅 Oct 3 – 5, 2025 | 10AM – 7PM⁠
📍 Southampton Village⁠
Arts, culture, food & family fun all weekend long!⁠
⁠
🎶 SpringsFest⁠
📅 Oct 4, 2025⁠
📍 1 Parsons Pl, East Hampton⁠
Live music, raffles, crafts, blacksmith demos & more.⁠
⁠
💃 Salsa Social @ The Clubhouse Hamptons⁠
📅 Oct 4, 2025 | 9PM – 11:30PM⁠
📍 East Hampton⁠
Dance the night away w/ DJ Chile & more!⁠
⁠
🐚 34th Annual Largest Clam Contest⁠
📅 Oct 5, 2025 | 12PM – 3PM⁠
📍 Amagansett Life Saving Station⁠
Taste clam chowder, clam pies & cheer on the winners!⁠
⁠
🎷 East Meets West Jazz Jam Session⁠
📅 Oct 5, 2025 | 2PM – 5PM⁠
📍 Southampton Cultural Center⁠
Free community jazz jam – all are welcome.⁠
⁠
🌕 Full Hunter’s Super Moon Hike⁠
📅 Oct 6, 2025 | 6:30PM – 7:30PM⁠
📍 SOFO Museum Parking Lot⁠
Guided evening hike under the moonlight.⁠
⁠
✨ Which event are you most excited for?⁠
⁠
Check out more events at Hamptons.com (Link in Bio)⁠
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#hamptons #hamptonsinternationalfilfestival #hiff #jazz #fullmoon #hike #film #levainbakery #community
  • So many fun fall activities in the Hamptons 🎃

@fairviewfarmatmecox 
@corwithsfarmstand 
@milkpailfarmorchard 

Check out our fall guide at Hamptons.com (Link in Bio)

#hamptons #fall #applepicking🍎 #pumpkin #maze #pettingfarm
  • As summer winds down and the cool breezes of fall approach, jewelry enthusiasts and fashion lovers alike are looking for the latest seasonal trends. Yael Fraynd, founder and president of Yaya Publicity, offers an insider’s perspective on what to expect this fall — especially for those embracing the chic lifestyle of the Hamptons.⁠
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Looking ahead to fall, Fraynd described the evolving styles with enthusiasm. For fall, expect to see bold statement pieces, rich gemstone colors like orange and a playful mix of metals. ⁠
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She also noted the influence of pop culture on jewelry trends, including celebrities like Taylor Swift, who is recently engaged, saying, “It could also be just, you know, with Taylor Swift, who has such a big effect on what people like.”⁠
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On the seamless transition from summer to fall styles, she observed, “In the summer, you see a bit of Western-inspired pieces, and I think that they really do kind of transition into fall really nicely. ⁠
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@yayapublicity⁠
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Read the full article at Hamptons.com (Link in Bio) ⁠
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#fall #falltrend #falljewelry #hamptons⁠
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