Live Near an Old Dam? You Have to Get Flood Insurance ASAP

At Richard Zeises Agency, we can help Jenkintown, PA residents get the necessary insurance. For example, you might need flood insurance due to living near a dam but not even realizing it’s necessary. That problem can come back and bite you if you aren’t careful.

You May Live Near a Dam Without Knowing It

The frustrating thing about dams is that it’s hard to gauge how severely an area will get flooded if it breaks. It’s not uncommon for whole towns to go temporarily underwater. When this happens, water will likely damage most of a home and cause real long-term issues. 

As a result, there’s a real chance that you’re at risk without even knowing you are in trouble. What will happen if a dam breaks and floods your home? You might be in real trouble without flood insurance. As a result, you need to ensure you have this coverage ASAP.

How Flood Insurance Helps 

When your home is protected by flood insurance, you don’t have to worry about paying for the damage. Without it, you’ll find yourself struggling to handle your payments and potentially in serious debt. Make sure that you look at the coverage options outlined below to understand more:

  • Replacing all flood-damaged items in your home
  • Covering your temporary relocation costs
  • Repairing damaged structural elements to keep your home safe 
  • Paying to keep you fed during your relocation
  • Restoring areas of the home affected by flood, such as the foundation

Talk to Us Soon 

With the support of our team at Richard Zeises Agency, you can protect your Jenkintown, PA, home and minimize the danger of floods. It’s a process that’s well worth doing right if you want to keep your house safe and secure. Please don’t hesitate to contact us today if you’re curious.

Preparing for the Worst: How Flood Insurance Can Help You Recover from Water Damage

When it comes to natural disasters, it pays to be prepared. Floods are among the most destructive disasters that can hit your home or business. That’s why our experts at Richard Zeises Agency highly recommend residents of Jenkintown, PA and the surrounding areas invest in flood insurance.

Understanding Flood Insurance Coverage

Flood insurance can make the difference between a complete disaster and the chance to pick up and start again. It provides you with financial protection when floods damage your home or business, often covering more than what traditional homeowners’ insurance covers. In addition to buildings, flood insurance can also cover personal property, living expenses, and even debris removal.

Who Needs Flood Insurance?

If you live in an area prone to flooding or declared a flood zone, it’s wise to invest in flood insurance. Floods don’t just affect coastal areas; they can occur anywhere and can be catastrophic when they do. Even if your home isn’t located in a flood zone, your mortgage company may still require you to have flood insurance.

What to Do If Your Home is Damaged by Flooding

If a flood damages your home, there are some steps you can take to get your life back on track.

Before anything else, immediately contact your insurance provider and document the damage with photos or video. Your insurance agent will then work with you to assess the situation and determine what coverage is available under your policy. Depending on the extent of the damage, you may be entitled to compensation for repairs or replacements, as well as living expenses while you’re displaced.

Making the Choice to Invest in Flood Insurance

To ensure you’re adequately prepared for the worst, contact Richard Zeises Agency today and ask about our flood insurance plans. We can help you assess your risk level in the Jenkintown, PA area and create a plan that will give you peace of mind in the face of flooding. Don’t wait until disaster strikes; take control of your future and invest in flood insurance today.

Why You Need Flood Insurance in Pennsylvania

When you own a home, it’s important to have home insurance to protect it. However, your home insurance may not offer you all the protection you need for your home. It’s important to have flood insurance to give you better protection. Flood insurance covers flooding incidents that home insurance doesn’t. To keep your home protected, you need both home and flood insurance policies. To get your flood insurance, call us at Richard Zeises Agency in Jenkintown, PA.

Why Flood Insurance?

Flood Zones

There are flood zones all across the U.S., and Pennsylvania is no different. When an area is designated as a flood zone, it means that flooding can be expected there at one point or another. Some are 10-year flood zones, some are 25 years, etc. These zones expect floods at some point, but they aren’t the only areas that can flood. Virtually anywhere can experience a flood, and it doesn’t have to be in a flood zone. About 20% of all of the claims for flood damage come from areas that aren’t designated as flood zones. This makes it important to make sure you’re covered. 

Flood Insurance Backing

Flood insurance is backed by the National Flood Insurance Program. This government program is responsible for making flood insurance available, and it also set the prices for the policies. No matter where you get your flood policy, the cost of it is always the same. With government backing, you can count on having this policy, and you know the backer will always be there. It’s never a good idea to go without flood insurance in Pennsylvania no matter where in the state you live. 

Get Flood Insurance Today

If you own a home and aren’t protecting it with flood insurance, give us a call right away at Richard Zeises Agency in Jenkintown, PA.

5 Myths about Flood Insurance

If you live in a flood-prone area, it’s important to have flood insurance. But many people don’t have it, and there are some myths about flood insurance that may be keeping them from getting it. This post will dispel those myths and help you understand why flood insurance is so important.

Myth #1: Flood Insurance Isn’t Necessary if Your Home Is Paid Off

Many people believe that they don’t need flood insurance if they have a mortgage because their home is no longer at risk of being taken away from them. Remember, flooding is one of the most common natural disasters, and it doesn’t discriminate based on credit rating or income. Flooding can affect anyone, regardless of how much they have in savings or debt.

Myth #2: You Don’t Need Flood Insurance Unless You Live In a High-risk Area

Every homeowner is at risk of flooding, whether they live in an area that’s officially designated as a high-risk zone or not. Every year, severe weather events make it to the national news, and if you happen to be in the path of these storms when they hit your area, you could very well find yourself flooded, even if it’s not common in your area.

Myth #3: Flood Damage Is Covered by Homeowner’s Insurance Policies

Most standard homeowners insurance policies do not cover flood damage, so it’s crucial to have a separate flood insurance policy.

Myth #4: Flood Insurance Is Too Expensive

Insurance is always about risk management, and flood insurance can be affordable if you research. If you’re not sure how much flood insurance will cost for your specific area, call up multiple companies for quotes before purchasing your policy to find the best value.

Myth #5: Flood Insurance Isn’t Worth the Cost

This is one of the most common myths about flood insurance, but it couldn’t be further from the truth. If you happen to get flooded, you’ll be thankful you have flood insurance. And if your home is destroyed, the cost of replacing it – even in a high-risk zone – could easily be more than your flood policy will cost you.

It’s important to remember that almost anyone can get flooded, regardless of income, credit rating, or whether their home is paid off or not. Flooding occurs frequently enough that you could lose your home at any time. Richard Zeises Agency in Jenkintown, PA offers flood insurance and can help you figure out how much it will cost to protect your home. Call us today for a free quote.

Types of flood insurance coverages

Did you know that statistics reveal that only 20% of American homes in flood-prone areas get protected by flood insurance? Floods are the most distressing and unpredictable as they can strike in areas where rain is rare. If you are a Jenkintown PA resident, it’s instrumental in purchasing flood insurance to avert suffering from colossal financial loss. Since flooding is unpredictable, it requires one to develop a contingency plan. Statistics show that about 20% of all flood insurance claims in Pennsylvania emanate from low to moderate risk areas, warranting formidable flood insurance. Unfortunately, many Jenkintown, PA residents only think about flood insurance when unforeseen peril strikes. Don’t allow floods to wreak havoc on your finances when there is a solution! Contact our agents at Richard Zeises Agency; they will assist you in acquiring outstanding flood insurance suiting your needs and budget, irrespective of where you reside.

Is flood insurance mandatory in Pennsylvania?

Flood insurance isn’t required for every home in Pennsylvania. Nonetheless, if your property is located in flood-prone areas, you might need to buy flood coverage as a security for your outstanding mortgage. Since also, standard home insurance policies don’t cater to flood-associated losses. Pennsylvanians should safeguard their dwellings with prolific separate flood insurance. It’s crucial to get flood insurance among the following coverage options.

Building property coverage: This coverage safeguards the house itself. It covers the physical structure and its:

  • Electrical and plumbing systems
  • Window blinds
  • Permanent installation of paneling, cabinets and bookcases.
  • Permanent installation of carpets
  • Detached garages and sheds
  • Furnace and water heater
  • Refrigerators and dishwashers
  • Fuel tanks, pumps and solar energy equipment

Personal property coverage: It safeguards personal property(contents)in the building. It covers:

  • Freezers and the contents inside
  • Portable appliances.
  • Electrical gadgets
  • Furniture.
  •  Curtains.

Devastating floods can occur abruptly both near the coast and also in dry areas. Devoid of proper flood insurance, you can plunge into an insurmountable financial burden of settling flood-related damage costs out of pocket. Please call or visit us at Richard Zeises Agency serving Jenkintown, PA and the surrounding community to get a flood insurance policy that matches your needs and budget. 

What does it mean to be flood smart?

Floods happen anywhere, and an inch of water is enough to cause over $25,000 in damage. Everyone who lives in Jenkintown, PA is at risk of a flooding event. It’s a question of whether you are at low-risk, high-risk, or moderate-risk flood areas. That’s why Richard Zeises Agency recommends learning where your property belongs in the flood zones commonly referred to as flood smart.

What does being flood smart mean?

Being flood smart means you can read and interpret a flood map and know where your property stands based on what flood maps indicate. Each flood zone describes the level of risk in a particular area, which is also used to determine insurance costs and requirements. Remember, the higher the risk, the higher the cost of flood insurance. Being flood smart also means knowing that no matter where you live, there will always be some risk of flooding, and from there, you can take the necessary precautions and prepare.

How to tell you are in a flood zone

A flood-smart individual must know how to identify a flood zone. There are four ways to tell if you are in a flood zone:

  • Keep track of the changes: The changes in topography, construction, and other human activities can change the flood zone designations over time. It’s prudent to check these changes every five years and prepare if necessary.
  • Use flood sensors: Flood sensors notify you of water leaks and alert you when there are water-related leaks in your basement.
  • Check FEMA flood map: The FEMA flood map shows overlays of unique floodplains and the risk level around your property.
  • Check your flood insurance: Your flood insurance policy will always indicate where your property stands in terms of flood risk. Insurance companies in Jenkintown, PA are also keen to update this information whenever there is a change.

Be flood smart and buy flood insurance with the help of Richard Zeises Agency. We care about what matters to you most. Call us today!

Three things to do when you’re on the market for flood insurance

Flood insurance is vital for protecting the value of your property. We provide flood insurance to homeowners in Jenkintown, PA at Richard Zeises Agency. 

It’s essential that you go through all the necessary steps to find the right flood insurance solution for your needs. The following are three things to do when you’re on the market for flood insurance.

Find out what flood zone you live in

Insurance companies use flood zone designations to ascertain the risk of flooding in a particular area. If you are in a flood zone starting with the letter A or V, your home is in a high-risk area. Zones that are less at risk of flooding may be designated with flood zones starting with B, C, or X. 

Knowing your flood zone helps you get quotes on flood insurance from insurance providers. It can also help give you a general idea of how much flood insurance should cost you. 

Research various providers of flood insurance in your area

It’s important to research your options before you purchase a flood insurance policy. Check out the various providers offering flood insurance in your area. Find insurance providers with the best reputation and most favorable reviews from past customers. 

Get quotes on policies that are available to you.

Once you’ve picked out a few good insurance providers offering flood insurance in your area, you should get quotes from them. Then, you can compare various quotes and decide upon the policy that will provide you the best value and protection for your home. 

Get started with the process of purchasing flood insurance with our help at Richard Zeises Agency. We’re standing by to answer any questions you might have regarding flood insurance in Jenkintown, PA.