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825 Central Road Suite 1
Bloomsburg, PA 17815

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Why Flood Insurance is a Must

Even if you do not live in a flood zone, it does not mean that your home is immune from potential flooding. FEMA estimates that just one inch of water can cause $25,000 in damage. While it is easy to assume that your homeowner’s insurance policy will cover flood damage, the reality is that it is unlikely to do so. If you live in a high or medium-risk flood area, your mortgage lender is likely to require that you have flood insurance. However, if you do not have a mortgage, you should still purchase flood coverage because flooding can happen anytime, from melting snow to construction in your neighborhood to burst pipes. 

It is easy to mistake that low-risk flood zones signify no-risk flood areas. However, because flood maps change over time with factors like climate change or local infrastructure changes leading to new or different flood areas, flood insurance provides extra peace of mind. If you live in a flood zone, head over to FEMA’s Flood Map Service Center to find out more information. 

There are two types of flood insurance offered, one through the National Flood Insurance Program and the other through private insurers. Purchasing flood insurance through a private provider offers several advantages, including:

  • Higher Coverage
  • Shorter Wait For Effective Date
  • Backed by the State

Contact The Good Insurance Group LLC in Bloomsburg, PA for more information on flood insurance. Our friendly and professional team is industry-trained and highly knowledgeable on all types of insurance policies. Give us a call today to schedule a no-obligation consultation with a member of our team. 

A Guide To Help Pennsylvania Residents Find Flood Insurance

The Good Insurance Group LLC offers insurance coverage to Bloomsburg, PA residents. We strive to ensure that our clients find the right policies for their individual needs. We use our status as an independent insurance agency to offer personalized coverage. We work with multiple carriers across the country.

Flood Insurance Guide

Flood insurance is something that you should definitely consider. As a Bloomsburg, PA resident, you are aware that the area is prone to severe weather. Heavy rainfall impacts the Susquehanna River and the local fishing creek. The result is often elevated water levels that cause property damage. Flood insurance covers your property if the heavy rains and melting snow damage it in the winter.

Flood insurance also covers your possessions. You are covered if your personal items inside your home are damaged due to severe flooding. Remember that you may need to inquire about extra coverage if you have luxury items inside your property. That is the only way to cover those items fully.

Flood insurance coverage also protects you if your property has to be repaired due to flood damage. You can add temporary housing coverage to assist you as you find another place to stay while your property is repaired.

Make sure that you read the terms of your flood insurance policy carefully. The cause of the damage is important. If your property is damaged due to a plumbing issue, you are not covered under your flood insurance policy. Flood insurance policies contain detailed language that lists flooding as excess water on dry land. Also, keep in mind that there will be a grace period before your flood insurance coverage starts. Avoid waiting until a storm is moving into the area to start looking for coverage.  

The Good Insurance Group LLC Will Help You Find Coverage

Visit our website to learn more information about flood insurance.