How Do You Know if Your Home is at Risk of Flooding?
A sump pump is not enough protection if the water table and flood water rise in your area. That’s why FEMA, the Federal Emergency Management Agency, administers the National Flood Insurance Program (NFIP). They also provide extensive maps and information about local area flood risks. Pennsylvania has released online tools to determine your estimated flood risk, so you can dig in and discover how important flood insurance might be to people in your area.
Obtaining Flood Insurance is Convenient
At The Good Insurance Group LLC in Bloomsburg, PA, as with most insurance agencies like ours, we provide flood insurance along with all our other coverages, making purchasing convenient. We’ll also be glad to discuss why it might be vital for you personally and share our knowledge about our local area and its risks. Ultimately, the decision is yours since flood insurance is not generally required. One important exception to that is when your mortgage lender requires flood insurance due to your property’s location in a FEMA-identified higher-risk area.
What Risks Do You Face From Floods in Pennsylvania?
FEMA estimates that only one inch of floodwater can cause up to $25,000 in damage. Coverage for floods is not typically included in homeowners’ policies, so you have to take action on it separately. Depending on your needs, you can select different types that cover buildings, their contents, or both. At The Good Insurance Group LLC in Bloomsburg, PA, we can help you think about what you need to cover and any other insurance that could help you ride out the storm of a severe or mild flooding event.