Preparing for flooding from a winter storm can be a hectic process. Damage often occurs suddenly, with water levels rising quickly inside the home. However, with the right flood insurance coverage, homeowners can ensure their property and personal possessions are well-protected. The Daniel Carinici Agency LLC staff, serving Pittsburgh, PA, can help secure this protection.
What is Flood Insurance?
Flood damage is the most common insurance claim. The extent of coverage depends on the level of flood insurance the homeowner has. If you live in a high-risk winter flood community, you will need more coverage than a standard insurance policy provides. Additional protection benefits homeowners living near a lake or at the bottom of a steep hill, as these locations are susceptible to water overflow following a winter storm.
Securing The Right Flood Insurance Coverage
If you are unsure whether your property is in a local winter flood zone, consult with local authorities. They can confirm if your home is located in a high-risk area. Remember, flood insurance is only available through the National Flood Insurance Program (NFIP), as most standard homeowners insurance policies do not cover flood damage. Before signing a policy agreement, ensure you understand the coverage provided. Misunderstandings could result in you paying out-of-pocket costs for all flood damage to your home and personal property.
Type of Damage Covered by Flood Insurance
Flood Insurance covers all physical damage to the structure of the home and detached garage. The policy’s coverage also protects all personal possessions (such as clothing, jewelry, televisions, and computer systems) and home appliances (including appliances, furniture, furnace, water heater, and carpeting) that are damaged or lost due to a winter storm. Flooding could occur from overflowing bodies of water, melting snow, levee breaks, or dam breaks. Most flood insurance policies also include debris removal.
Winter floods can strike unexpectedly and cause significant damage to homes. The staff at Daniel Carinici Agency LLC in Pittsburgh, PA, can help provide the right flood insurance coverage for the winter storm months. Call and schedule an appointment today.
