When it rains it pours, and sometimes the damage of water can be more aggressive than you thought. We’ve seen news footage of homes being swept off their foundations and being engulfed by water. Pennsylvania is one of the most flood-prone states in the nation, according to the Pennsylvania Emergency Management Agency.
When deciding if you need flood insurance, it’s a question of location, location, location.
If flooding is a strong possibility in your community, it is important to make sure you’re protected. Remember, your homeowner’s policy does not cover flood damage. You must purchase a separate policy.
To help you protect your residence or commercial building, The Weimer Group has partnered with a top rated insurance carrier to offer flood insurance to our clients.
Are you in doubt that you might be in a flood area? To find out if your home sits in an area that is prone to flooding, askus! We can provide with information regarding your flood risk and zone, plus provide you with a quote! If you live in a rural area or one where elevations vary greatly, visit the flood map section of www.fema.gov.
While most homeowners insurance is set up to get your home and belongings back to their pre-loss state, flood insurance is designed to simply get you back on your feet — it’s not as comprehensive as most homeowners policies.
Flood insurance doesn’t cover basement improvements like walls, floors or ceilings and personal belongings that are kept in the basement. It does usually cover washers and dryers, food freezers and the food inside. Water tanks, oil tanks, furnaces, stairways, unpainted drywall and sheet rock walls and ceilings are generally covered as well.
The Weimer Group encourages all our clients to look into getting both building and content coverage.
If you do purchase flood insurance, study your policy thoroughly so there will be no surprises. Since it may take some time before a flood insurance payment arrives, it’s a good idea to have some emergency funds available to see you through.
Flood insurance policies have at least a 30-day waiting period before they take effect (Note: this is not the case when refinancing or going to a new closing). Start the process now — before the waters start to rise.
For more information, contact The Weimer Group and speak to you agent at either the Harleysville Office: 215-723-908 or Perkasie Office: 215-257-9171.