Flood Insurance In Pennsylvania
Flood insurance is worth having since damage from flooding is not covered under a regular home insurance policy. Flooding can happen at any time, and it is necessary whether you live in a high-risk flood area or not. We can help you at Daniel Carinci Agency LLC and get you the coverage you need. We are conveniently located in the Pittsburgh, PA area.
Flood Insurance Requirements
Your lender will require you to obtain flood insurance if your mortgage is from an insured lender or is federally regulated in Pennsylvania. This is the case if your home does happen to be located in a high-risk flood zone. However, if your home is located in a moderate to low-risk flood zone, you will not be required to obtain flood insurance, although it is still highly recommended. Also, just because your home is not in a high-risk flood zone does not mean that your lender cannot require you to obtain insurance at any time. This is true even if the lender is not legally obligated to do so.
Flood Insurance Coverage
Flood insurance is available for apartments, homes, condos, and even businesses. Coverage for floods will help cover any damage to your personal property and building. It can also cover:
- Appliances such as refrigerators, stoves, washers, and dryers, and clothes.
- Personal possessions, such as furniture, electronic equipment, and clothing.
- Plumbing and electrical systems
- A building along with the foundation
- A home along with the foundation
- Heaters, furnaces, and all other air conditioning equipment
Flood cleanup will cover debris removal too. This also depends on the type of policy you choose, as every flood policy is not the same.
To obtain a quote from Daniel Carinci Agency LLC, visit our office in the Pittsburgh, PA area. We have agents standing by waiting to help you find the right policy that is best suited for you.