Flood Insurance in Pennsylvania

Flood insurance is designed to keep your home protected, including the structure and your personal belongings. Most standard insurance policies, including homeowners insurance, usually don’t cover flood damage, hence why it’s so important to purchase a separate policy. We offer flood insurance here at Daniel Fitzsimmons Agency in Dresher, PA.

Flood Insurance Requirements

There aren’t any laws in Pennsylvania making flood insurance mandatory. Yet, if you own a home that is located within a flood zone, your mortgage lender can require it. Even if your house isn’t located in a flood zone, having flood insurance is still recommended.

Flood Insurance Coverage

There are two types of flood insurance you can choose from. You can purchase building or contents insurance.

Building coverage will pay for flood damage for the following:

• Furnaces
• Water heaters
• Foundation walls
• Plumbing and electrical systems
• Built-in cabinets and appliances
• Carpets that are permanently installed
• Staircases
• Well water tanks
• Fuel tanks
• Detached garages
• Solar energy equipment

Contents coverage typically covers damage to things including, Furniture, Washers and dryers, Clothing, Electronics, Microwaves, Portable AC units.

Flood insurance does not cover water damage to Currency, Wells, Patios, Decks, Hot tubs and swimming pools, Valuable documents, Fences and landscaping.

Flood insurance can cover you in the following scenarios:

• Mudflows
• Hurricanes
• A bay, lake, or river that overflows
• Melting snow that gets into your home and causes flooding
• Heavy downpours

If you cannot stay in your home following a flood, you can opt-in for living expenses as part of your flood insurance policy. Living expenses will cover your hotel and other living costs while your home is being repaired.

Get Flood Quotes at Daniel Fitzsimmons Agency

To receive a quote for flood insurance, give Daniel Fitzsimmons Agency a call today. We are located in Dresher, PA.