Because plans for homeowner’s insurance do not cover flooding, you need to buy a separate policy for this type of catastrophe. Insurance for floods covers two specific areas, which are as follows:
* A home’s structure, including the foundation, framework, and electrical system. This protection also extends to carpets, air conditioners, and any fixture that is considered a part of the building.
* Coverage for contents, including appliances, furniture, TVs, computers, clothes, and personal property.
Why Buying Insurance for Flooding Is Important
You can elect to buy coverage solely for the structure itself or only for the contents. Or, you can purchase coverage for both. While you may never use flood insurance in Lancaster County, PA, it still is a good protection to have. Because floods and rising waters lead to irreparable damages, you need to make sure that you and your family are protected.
In Pennsylvania, the damage done by flooding can vary from one year to the next. Therefore, it is impossible to forecast when severe flooding may occur. So, if you do not want to place your home at risk, you need to make sure you purchase flood insurance coverage.
Flooding Can Be Unpredictable
In 2011, action was taken to re-map high-risk flood plains in the state. As a result, more property owners were required to purchase flood insurance at the time. So, as you can see, flooding can be unpredictable. Even if you do not reside in a floodplain that is considered high-risk, you should buy this protection. High-risk areas are those spots where a home is next to a body of water or close to an area dam.
So, buy flood insurance protection now instead of later. Given that direct flood damage in Pennsylvania amounted to over $300,000,000 in 2011, you really need to consider the coverage. In 2012, that figure reached almost $1,500,000.
In order to find out more about flood coverage, browse our website and review the insurance offerings today. Should you have any questions or need more information, place a call or fill out the contact form on the website.