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Featured Daniel Carinci Agency, LLC Blog

Floods and Electronics

Water and electricity do not mix! This is a good axiom to remember to stay safe around electricity. But let’s say you’re safe. However, what happens when floodwaters have severely damaged your electronic devices?

It’s true, insurance may be able to replace them. But suppose you had irreplaceable data on these devices. You might want to get that back. Fear not! It’s possible! All it takes is some cotton swabs, a hairdryer, some rice, and a lot of alcohol. (Isopropyl, of course. Not the drinking kind.) 

Oh, Dry Up!

Keep safety in mind first. Turn off the device, unplug it, and/or remove the batteries. Remove anything connected to the device. Large electronics may need to be rinsed with clean water to remove sediments. If you see anything green and/or crusty, that’s corrosion. It can be cleaned off with a cotton swab dipped in isopropyl alcohol. Shake out as much water as you can.

A hairdryer in a cool setting may help dry things out. Do not overheat your electronics. If it is something small like a phone or tablet, submerging it for two days in an airtight container of rice may help. A soft cloth can wipe away excess moisture. Once everything is dry, try turning the device back on. You may have to charge it up first. If it doesn’t work, you may have to take it to a professional. 

Daniel Carinici Agency LLC Serving Pittsburgh, PA

If you’re in Pittsburgh, PA and would like to get any of your property insured against flood damage, call Daniel Carinici Agency LLC. We are dedicated to providing our clients with exceptional service and unshakable integrity. 

Why Everyone Needs Flood Insurance

When you own a home in Pittsburgh, PA, it’s essential that you should have flood insurance to protect it. This is a specialty type of insurance that only protects against floods. It is needed in every area so that homeowners are protected against this highly destructive type of disaster. When you need a flood policy for your home, you can find out more about them by calling us at Daniel Carinici Agency LLC.

The National Flood Insurance Program

Flood insurance is so important to have that there is a government program that backs these insurance policies. Individual flood insurance policies can be purchased from us, but the price of the policy is set by the program. With that universal price in place, you pay the same amount for this coverage no matter where you buy it. That allows you to get the coverage that is so important to have without the need to shop around for it.

The program also guarantees the policy, so you don’t have to worry about the backing of these policies. 

Flood and Home Insurance

Many people never get flood insurance because they believe that their home insurance will pay for disasters that strike their homes. However, floods are not included in home insurance coverage. Your homeowner’s insurance will pay for floods that are caused by things like a burst pipe, but they won’t pay for the natural disaster flooding type. 

You have to have a separate policy to pay for the damages that floods can cause. A bad flood can ruin belongings as well as the building itself. Some homes need to be completely rebuilt after a flood. No matter what the damages are after a flood has occurred, your flood policy will help you to get back to normal again. 

Get Flood Coverage

To get your own flood policy, call us at Daniel Carinici Agency LLC in Pittsburgh, PA.

When Should I Purchase Flood Insurance?

Flood insurance is a good idea for homes, businesses, rental properties, and cars. Coverage begins when the first inch of water or the first sign of flood risk hits your property. 

Flood is a major risk for businesses. A flood can shut down a company and cause substantial losses. A business can be out of work and with no income, or it can lose money, equipment, and inventory. Consult the Pittsburgh, PA agency, Daniel Carinici Agency LLC for advice. 

Flood Insurance: What You Need To Know

Flood insurance should be purchased as soon as possible after a flood occurs. The sooner the insurance is purchased, the more likely it is to cover the loss. When purchasing flood insurance, be sure to shop for the best rates and coverage. 

If you are buying a policy through an agent, be sure to have them run a credit check to ensure you have the ability to make the payments. Flood insurance is recommended for properties located in areas prone to flooding.  

Additionally, it’s important to purchase coverage when you purchase a new home or build a new structure, as it’s often difficult to get coverage on a new structure. Most homeowners don’t think about purchasing flood insurance when they buy a new home, but it’s important to protect your investment. 

Flood events are unpredictable, and one cannot always predict if and when they will occur. Therefore, it is recommended to purchase flood insurance whenever you are in a flood-vulnerable area, such as near a river or lake. When purchasing, compare different policies. A reputable company will give you the most reliable coverage. 

Contact Us Today

It’s important to purchase flood insurance before a flood occurs, as there’s a waiting period before coverage kicks in. You should also ensure that your policy covers the value of your home, so check the coverage limits for your home. 

You can also buy a short-term policy that provides a bit of protection if a severe storm hits your area soon after purchasing the longer-term policy. Daniel Carinici Agency LLC is here to provide you with expert assistance in Pittsburgh, PA.

Common Flood Myths

When buying flood insurance, you must first understand what this type of insurance is and exactly what it covers. Many myths are floating around that can cause some confusion as to what flood insurance covers and who should purchase a policy. Those in Pittsburgh, PA, with questions about flood insurance, can reach out to the agents at Daniel Carinici Agency LLC for assistance. 

Below are some common myths about flood insurance and the truth behind each one: 

Myth: I am not in a flood zone, so I do not need flood insurance. 

Fact: Because a flood can happen any time anywhere, every property is essentially in a flood zone. Each home is placed in a flood zone rated from low to moderate risk, high-risk, and high-risk coastal. Some properties are listed as undetermined for their flood risk, but that does not mean they are not at risk. 

Myth: My homeowner’s insurance will cover any damage caused by a flood.

Fact: Basic homeowners insurance policies do not provide coverage for damage or losses associated with a flood. 

Myth: Flood insurance is not mandatory, so I do not need it. 

Truth: Flooding is the most common natural disaster event that affects many properties across the country. Though flood insurance is not required, your home and your belongings are not covered by your homeowner’s insurance policy in the event of a flood. 

Myth: Flood insurance is expensive, and I cannot afford to purchase a policy.

Fact: The flood insurance market is growing, providing homeowners the opportunity to shop around for competitive premiums. Additionally, flood insurance can be customized, which can lower the cost of your premiums. 

Those with questions about flood insurance in Pittsburgh PA should reach out to Daniel Carinici Agency LLC agents to discuss their questions and concerns about flooding. 

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