Flood insurance is important in certain areas that are subject to heavy rains, hurricanes, or located by large bodies of water. Keep in mind that homeowner’s insurance and other common types of coverage will never cover losses related to flooding, as this type of policy must be purchased and maintained separately. Flood insurance can also be used to cover a person's belongings within their home as well as the structure itself. All licensed insurance providers in the state can provide flood insurance for several different kinds of residential properties including condos, apartments, rental buildings, and single-family homes.
Some lenders may require homeowners to purchase flood insurance for protection. There is also the possibility that a homeowner can pay for a policy even if their home is not located in a designated flood plain or flood zone. It is usually a good idea to pay for coverage if there is any possibility your home could experience flood damage in the future, as these kinds of losses are often devastating and worse than most other forms of property damage.
Homeowners in Pennsylvania, West Virginia, Kentucky and Ohioshould investigate obtaining coverage for flooding that is right for their location and the size of the home. Keep in mind that homes do not include this kind of coverage when purchased or when a standard homeowners insurance policy goes into effect. There is also usually a waiting period of at least 30 days before your flood coverage will go into effect.
Our agents serve Pennsylvania, West Virginia, Kentucky and Ohio and are available to provide more information about how you can benefit from flood insurance. Stalwart Insurance is ready to help keep your home safe from flood damage.
Besides Pittsburgh, we serve all across PA and also WV, OH and KY
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