Flood Insurance

While numerous insurance policies typically cover perils such as fire, hail, and vandalism, flooding disasters are often excluded from primary policies. Due to this, homeowners within Pennsylvania may incur additional out-of-pocket costs due to flooding. The K V Agency specializes in flood insurance to help bridge this gap, with the following guide listing various items covered by a flood policy and those excluded.

What Is Covered by Flood Insurance?

Personal Contents

Personal belongings will likely incur significant damage, requiring repairs or replacement. If flooding emergencies or damage content such as electronics, furniture, or clothing, a flood policy will be your go-to, providing reimbursement for the repair of your belongings.

Building Property

If flooding destroys the structure of your home, flood insurance will help you cover the costs of repairing your home. It will also cover structures such as cabinets, bookcases, and paneling. Systems such as heating, electrical, and plumbing will also be protected, allowing you to get compensation for fixing them. Lastly, flood insurance will also keep detached structures such as garages safe.

What Is Not Covered by Flood Insurance?

Not all items will be covered by flood insurance, requiring policy seekers to get additional coverage. Items that fall outside flood coverage include:

• Outdoor properties such as hot tubs, pools, fences, septic systems, and decks or patios
• Valuable metal and stocks certificates
• Self-propelled vehicles and cars. Auto policies will likely cover these
• Damage arising from mold and mildew that proper care and maintenance practices could have prevented
• Damaged items in the basement or below-ground rooms. These often fall outside the scope of flood coverage as these items are generally stored in above-ground rooms. However, structures such as furnace areas will be covered as these are included in the building coverage.

For more information on flood insurance within Pennsylvania, contact The K V Agency today. We provide tailor-made policies suited to flood-prone areas.