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.