Flood Insurance in Pennsylvania

Standard homeowners and commercial property policies usually exclude flood damage. That makes a separate flood policy important for many properties, including some outside high-risk flood zones. Daniel Fitzsimmons Agency helps clients in Pennsylvania review flood insurance options for buildings and belongings.

When Flood Insurance May Be Required

A mortgage lender may require flood insurance if the property is in a designated high-risk area. Even when it is not required, coverage can still be worth considering because heavy rain, overflowing waterways, drainage problems, and snowmelt can affect properties outside mapped flood zones.

What Flood Coverage Can Include

Flood policies often separate building coverage from contents coverage. Building coverage may apply to items such as:

• 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 can help protect items such as furniture, clothing, electronics, appliances, and portable air conditioners, depending on the policy. Certain property, including decks, patios, fences, landscaping, pools, valuable papers, and currency, is commonly limited or excluded.

Flood insurance may respond to events such as:

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

Some policies may offer additional living expense options or other endorsements. Contact Daniel Fitzsimmons Agency in Dresher, PA to compare flood insurance quotes and understand what is and is not covered.