Author: agentinsure

Stalwart Insurance provides coverage to the Pittsburgh, PA community. We rely on providing excellent customer service. We recognize that our clients have unique needs, so we strive to provide personalized policies. We are confident that we can help you protect what matters most.  

Explaining The Difference Between Flood Insurance And Traditional Water Damage

Pittsburgh, PA is prone to heavy rainfall during seasonal changes. The aftermath of these storms is potential flooding. Flooding has the ability to cause serious damage to your property and personal items. Flood insurance protects your assets. You are covered if severe flooding damages the interior and exterior of your property, as well as your personal items. While researching coverage, keep in mind that there is a difference between flood damage and traditional water damage.

Flood damage is caused as a result of natural disasters such as hurricanes, tornados, and severe thunderstorms. These powerful storms leave a lasting impact. There may be an overflow of surface water. The rapid accumulation may cause a mudflow. All of these variables can cause a current of excess water to infiltrate your property and cause damage. You can rely on flood insurance during these situations.

You cannot use flood insurance to protect your assets if they suffer traditional water damage. Examples of traditional water damage include a busted pipe that causes damage throughout your property or a leaking toilet. You’ll have to use your home or renters insurance to cover those damages.

One key difference is that traditional water damage may only impact your property. Flood damage often originates from a natural source and impacts an entire area of land. That means your neighbors are likely to have problems as well. It’s also important that you maintain proper maintenance on your home.

Stalwart Insurance Will Help You Protect What Matters Most

Visit our website to learn more information about flood insurance

Flood insurance is an essential product if you want to protect your investments in your Pittsburgh, PA home. That’s why Stalwart Insurance is here to offer you flood insurance to meet your needs.

The following are three mistakes to avoid when you purchase flood insurance for your property.

Thinking your homeowner’s insurance policy covers flood damage.

A standard homeowner’s insurance policy will not cover you for flood damage. While standard home insurance may cover damage resulting from other types of natural disasters, you need to purchase flood insurance separately or additionally to take advantage of coverage for flood damage. 

Purchasing an inadequate amount of flood insurance coverage

You should have enough flood insurance to cover you for the full costs of replacing your property. Therefore, it’s important to evaluate your property and find out how much it would cost to replace it in the event of a total loss. This way, you’ll know how much coverage you need in your flood insurance policy. 

Not being aware of changes in your flood zone classification over time.

Flood plain maps laying out the flood zones of particular areas can change over time. Changing patterns of precipitation and changing drainage capabilities of plots of land can alter the flood zone classification of a given property.

You need to periodically have your flood zone classification reevaluated to ensure that your flood coverage is covering the actual flood risk of your property. This way, you avoid putting yourself at risk of flood damage without adequate coverage. You also ensure that your flood insurance premiums remain appropriately priced over time for the actual risk your property faces. 

Get started finding reliable flood insurance options with Stalwart Insurance. Contact us with your questions and inquiries related to flood insurance coverage in Pittsburgh, PA.