Report Inappropriate Comments

I own a legal two family home in Long beach and have been paying flood insurance for 20 years. I was denied claims as they claim my first floor apt is below grade. Why has it been mandatory to pay for flood insurance when they wont cover the house when the storm did come? I laid out over $80000 in repairs and only received compensation for the boilers and hot water heaters. You do not walk down stairs to reach this apt.

Why isnt this issue being addressed? Long Island homes are built with the split level style. I am furious and out of a lot of money. Additionally the insurance company is requiring me to pay for flood insurance for this year? Why would i pay for insurance that they wont pay me?