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Featured Daniel Carinci Agency, LLC Blog

Preparing For Winter Flooding With The Right Insurance Coverage

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.

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Testimonials

Daniel Carinci Agency, LLC
4.8 out of 5 stars
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RG Electric LLC
RG Electric LLC
4 months ago

Amazing service and will highly recommend.

Mike Rafaloski
Mike Rafaloski
a year ago

These guys are amazing. Dan and Jamie have been great to work with while finding me home/auto insurance. I had no clue that my home was under insured on my previous policy. My new policy coverage is almost triple covered at a less premium. I'm happy I decided to give them a chance. They went above and beyond.

Caseybowser1
Caseybowser1
a year ago

Very fast and helpful when no one else was. Highly Recommended.

Megan layhew
Megan layhew
a year ago

This agency has been more than an insurance company but more as MY family! They have been there for years for everything along the way from new cars to homes to life insurance. This group means the most to me and my family and I would recommend them to anyone in the market or who isn’t a part of this nationwide group!

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