Edison Township sits between the Raritan River and South and Lawrence Brooks, all of which drain through residential neighborhoods. Hurricane Ida in September 2021 pushed the Raritan to major flood stage, inundating basements across the township. FEMA designates large portions of Edison as Special Flood Hazard Areas, and Middlesex County has received multiple federal disaster declarations since 2010.
Dense post-war housing built between 1945 and 1975 means aging cast-iron sewer laterals, galvanized supply lines, and old water heaters drive a large share of Edison's water damage claims. Sump pump failure during nor'easter power outages affects thousands of homes annually. Wet carpet padding and drywall begin growing mold within 24 to 48 hours.
New Jersey standard policies exclude surface flood damage; NFIP or private flood coverage is required for Raritan-area properties. Ask your contractor for IICRC S500 certification and scope documentation formatted for insurance adjuster review.