Flood Insurance in Boyertown, PA

Floods impact thousands of U.S. homeowners every year. These natural disasters can be caused by many scenarios, including heavy precipitation, rapid snowmelt and issues with infrastructure. Regardless, resulting floodwaters can inflict costly damage on your property. Fortunately, understanding and retaining suitable insurance can help manage financial losses that might otherwise have far-reaching implications for your family and future.

How Does Coverage Work?

Flood insurance is a specialized form of coverage tailored specifically toward losses caused by external water entering your property. Although policy specifications can vary, you can generally rely on financial aid for the following:

• Building damage, such as if you need to repair structural elements of your home (e.g., walls, floors and electrical systems) following a flood

• Personal property losses, such as if floodwaters damage or sweep away your furniture, electronics and other contents of insured buildings

• Cleanup costs, such as if you require assistance with debris and contaminated materials following floods

Why Do I Need a Policy?

Although they’re among the most common natural disasters in the United States, most standard homeowners insurance policies explicitly exclude floods as covered perils. As such, you should retain an alternative policy to ensure comprehensive coverage. Additionally, federally backed mortgage lenders may formally mandate flood insurance if you live in an area at high risk of such incidents.

Where Can I Get Flood Insurance?

Flood insurance is often purchased through the Federal Emergency Management Agency’s National Flood Insurance Program. Alternatively, private insurers may offer coverage, often with greater limits and more diverse options.

We’re Here to Help

Contact Gerhart, Hartman & Ritner today to learn more about flood insurance and why it may be critical for you to protect your home and financial interests.