Flood Insurance

National Flood Insurance Program

When it comes to a flood, only a few inches of water can cost you thousands of dollars in damage. Standard homeowner’s insurance policies do not cover flooding by causes outside of the home.  For your homeowner’s insurance to cover flooding, it requires a special policy.  Flood insurance policies often include confusing exclusions and restrictions.  Because of this, insured property owners and municipalities facing flood losses often need legal representation in order to obtain the compensation they deserve.

The National Flood Insurance Program covers direct physical damage by flood to your building and/or personal property. The Standard Flood Insurance Policy only pays for flood damage to your insured property and only up to the policy limit. Contents are not automatically included. If contents coverage is desired a specific amount must be named and a separate premium charged, but it doesn’t need to be a separate policy. Contents coverage limits are $100,000 for residential policies To qualify for flood insurance, you need an Elevation Certificate (EC) from the Federal Emergency Management Agency (FEMA).

Additionally, the homeowner should be aware of the terms Actual Cash Value and Replacement Cost Value.

Actual Cash Value (ACV) is the cost to repair or replace an insured item of property at the time of the loss, less physical depreciation. The value of physical depreciation is based on the age and condition of the item. Personal property, i.e. contents, is always paid at ACV.

Replacement Cost Value (RCV) is the cost to repair or replace an insured item of property at the time of the loss without a deduction for physical depreciation. RCV is available when the insured property is the primary residence and the amount of coverage is equal to 80% or more of the replacement cost of the building. RCV is also available for residential condominium buildings. There is no required amount of coverage, but residential condominium buildings not insured to 80% of replacement cost will experience a reduction in their claims payments.

Here is a summary of what is NOT covered for your building or personal property, according to the FEMA fact sheet.

  • Damage caused by moisture, mildew, or mold that could have been avoided by the property owner or which are not attributable to the flood
  • Damage caused by earth movement, even if the earth movement is caused by flood
  • Additional living expenses, such as temporary housing, while the building is being repaired or is unable to be occupied
  • Loss of use or access of the insured property
  • Financial losses caused by business interruption
  • Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools
  • Currency, precious metals, and valuable papers such as stock certificates
  • Most self-propelled vehicles such as cars, including their parts (see Section IV.5 in your policy)

Just as a reminder, once you purchase flood insurance, it takes 30 days for the coverage to become effective.  There are also eligibility requirements and a number of exclusions.  Because of the exclusions, it is often difficult for people who have incurred losses to receive the compensation that they deserve without legal representation.

If you have faced property loss due to flooding, navigating the rules of coverage limits, exclusions and regulations can be complicated.  If you have questions, contact your insurance agent or insurer.


Moise J. : Egg Harbor Township, NJ

Words cannot describe how grateful I am to you and the law firm of Westmoreland Vesper Quattrone & Beers for taking my case.  I was always treated first class, like family.  You were always honest & very trustworthy.  I will definitely recommend you as a personal injury attorney to any friends & family member.  Thank you for your work.

Nancy P. : Ocean City, NJ

My experience was not what I expected, as it was my first time dealing with a law firm.  There was no stress & no feeling of being rushed into things.  I was informed at all times of the progress of my personal injury case.  Overall, a very good experience.  Much thanks.

Atlantic City Litigation Attorneys

Atlantic City Litigation Attorneys

Atlantic City Litigation Attorneys

Atlantic City litigation attorneys Westmoreland Vesper Quatrone & Beers are an Atlantic City litigation attorney office you can call if you are injured or need other legal services. Our courtroom attorneys in Atlantic City have helped scores of clients earn settlements.

Our Atlantic City litigation attorneys are residents of the Atlantic City area, another fact that makes us the right Atlantic City litigation attorney firm for you. They are close to you, no matter where you live in the Atlantic City area. Westmoreland Vesper Quatrone & Beers are courtroom attorneys in Atlantic City who strive for justice around the clock.

Atlantic City Litigation Attorneys Who Work Hard for You

The law firm of Westmoreland Vesper Quattrone & Beers is an experienced, effective team that has a well-earned reputation for success, both in and out of court. With both skilled litigators & negotiators, we time and again demonstrate our ability to obtain results our clients deserve. Our attorneys are dedicated advocates for our clients, helping them get the compensation they deserve to get past hard times and put their lives back together.

The Atlantic City litigation attorneys at Westmoreland Vesper Quatrone & Beers possess a deep understanding of what an Atlantic City litigation attorney must do. Our courtroom attorneys in Atlantic City will work hard for you. The Atlantic City litigation attorneys at Westmoreland Vesper Quatrone & Beers are headquartered in West Atlantic City and represent injured persons throughout the greater Atlantic City area.

To date we have recovered over $250 million for victims of litigation. We represent Atlantic City litigation cases of all kinds. Our attorneys are experienced in all aspects of litigation and have years of experience.

Dara Quattrone 2017 Atlantic City Super Lawyer

Atlantic City Super Lawyer

Atlantic City Super Lawyer

The law firm of Westmoreland Vesper Quattrone & Beers has the pleasure to announce that Dara Quattrone has once again been selected as an Atlantic City Super Lawyer.  The 2017 Atlantic City Super Lawyer list in an honor reserved for those lawyers who exhibit excellence in practice.  Only 5% of attorneys in New Jersey receive this distinction.  Super Lawyers is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high degree of peer recognition and professional achievement.

Super Lawyers selects attorneys using a patented multiphase selection process. Peer nominations and evaluations are combined with independent research. Each candidate is evaluated on 12 indicators of peer recognition and professional achievement. Selections are made on an annual, state-by-state basis. The objective is to create a credible, comprehensive and diverse listing of outstanding attorneys that can be used as a resource for attorneys and consumers searching for legal counsel.

The practice area for Dara’s selection is for Atlantic City Super Lawyer Personal Injury – Plaintiff.  Dara represents people who have been injured in car accidents, from dangerous property and victims of professional negligence.

T.M. : Brigantine, NJ

The expert advice and overall professionalism is outstanding.  Every question was answered & we were kept informed during the entire case.  Ultimately we were extremely pleased with the outcome and would recommend the law firm of Westmoreland Vesper Quattrone & Beers to everyone. Hopefully not many will need a personal injury lawyer, but if you do, they’re the best!


Amira H. : Millville, NJ

I will recommend Dara Quattrone and her law firm to everybody I know.  They’re personal injury lawyers who say what they mean and mean what they say. You can count on their word.

Deborah T. : Atlantic City, NJ

I loved the service that I received form my attorney & the law firm’s staff.

Yes, I will be telling my co-workers about Westmoreland Vesper Quattrone & Beers.


Jose M. : Brigantine, NJ

The lawyers at Westmoreland Vesper Quattrone & Beers are truly amazing people.  They care about their clients and they were so helpful in everything concerning my case.  Dara Quattrone is an amazing person as well as the best attorney.  Thank you for everything…”God bless”

Q.U. : Vineland, NJ

My personal experience with the law firm of Westmoreland Vesper Quattrone & Beers was amazing.  Dara Quattrone & her staff were there with me & for me every step of the way.  I really appreciate everything they have done for me.  Thank you & God bless.  They are the best. 5 Stars!