Champlain Smiles, Inc.
212 Tom Miller Rd, Plattsburgh, NY 12901
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212 Tom Miller Rd, Plattsburgh, NY 12901
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33 Montcalm Avenue, Plattsburgh, NY 12901
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239 Tom Miller Rd, Plattsburgh, NY 12901
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770 Route 3, Suite 2, Plattsburgh, NY 12901
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171 Margaret St, Plattsburgh, NY 12901
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Learn about insurance coverage options specific to Plattsburgh residents.
Plattsburgh home insurance guide: lake-effect snow, Lake Champlain flooding, ice dam coverage, and costs. Get the protection your Clinton County home needs.
Car InsurancePlattsburgh drivers need 25/50/10 liability plus mandatory PIP. Learn about no-fault rules, winter driving coverage, and rates in Clinton County.
Yes, you should seriously consider it. Flooding in Plattsburgh doesn't just come from the lake—it comes from rapid snowmelt, heavy rain, overwhelmed drainage systems, and river overflow. Many properties not directly on the water have experienced flood damage. Standard homeowners insurance excludes flood damage entirely, and NFIP policies often cost less than $400 per year. Check your property's flood zone on FEMA's maps and talk to a local agent who knows Clinton County's flood patterns.
Generally yes, but with conditions. Standard homeowners policies typically cover damage from ice dams as a sudden and accidental event. However, if the insurance adjuster determines you neglected home maintenance—like having inadequate attic insulation or failing to maintain your roof—they may deny the claim. The key is documenting that you've maintained your home properly. Keep records of roof inspections and any insulation improvements.
It depends on your home's replacement cost, not its market value or mortgage balance. With Plattsburgh's median home price around $302,000 and rebuilding costs up over 25% in recent years, many homeowners need $300,000-$400,000+ in dwelling coverage. The key is getting an accurate replacement cost estimate based on current construction costs in Clinton County. Your insurance agent can help calculate this. Remember to review annually as construction costs continue rising.
Water backup covers damage when water comes up through your drains, toilets, or sump pump—typically from overwhelmed sewer systems or heavy rainfall. Flood insurance covers water that comes from outside your home due to rising lakes, rivers, or surface flooding. In Plattsburgh, you likely need both: flood insurance for Lake Champlain and spring runoff risks, and water backup for when storms overwhelm drainage systems or your sump pump fails.
Absolutely. Bundle your home and auto insurance for 15-25% savings. Install security systems, water leak detectors, or smart home devices for additional discounts. Update aging systems like electrical, plumbing, or roofing—insurers reward risk reduction. Shop around every 2-3 years since different companies adjust rates differently. Also maintain a good claims history; frequent small claims cost you more in premium increases than paying out of pocket.
First, shut off your main water supply immediately to prevent flooding when they thaw. Call a plumber before attempting to thaw pipes yourself. Then contact your insurance company—frozen pipe damage is typically covered under standard policies, but you need to show you took reasonable precautions like maintaining heat and protecting pipes. Document everything with photos and save receipts for emergency services. For prevention, keep your thermostat at 55°F minimum if leaving during winter, and let faucets drip during extreme cold.
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