Hot Topics     Home and Family    

Concerned about flooding?



Ensure your home and belongings are protected

Do you need flood insurance

According to the Federal Emergency Management Agency (FEMA), floods are the most frequently occurring natural disaster in the United States, which is why it is important to understand the risks and costs associated with flooding, and what you can do to protect your home.

Rampant storms and hurricanes are not the only causes of flood damage – leaky pipes can cause just as much water damage and put a huge hole in your wallet, too. According to FEMA, just 1 inch of water in a home can cost more than $25,000 in damage.

What can you do to protect your home in the event of a flood? First, make sure you have flood insurance. Some people may think they don’t need flood insurance because of where they live. Many may also assume that flooding is included in their homeowners insurance policy when in fact, most homeowners policies do not cover flooding.

Why is that?

A string of flood disasters occurred throughout the ‘40s, ‘50s and ‘60s that put tremendous financial strain on private insurers, so in response, the federal government created the National Flood Insurance Program (NFIP) to protect homeowners, renters and businesses.


Talk to your insurance agent about getting flood insurance through NFIP. Some companies offer additional unique options. For example, Erie Insurance recently began offering a coverage called Extended Water that covers damage caused from flash floods, inland flooding, storm surges, snow melt and more. It covers the home and its foundation, electrical and plumbing systems, air conditioning equipment, furnaces and heaters, appliances and personal possessions, such as clothing and furniture. It even offers coverage if you need to temporarily relocate while your home is being repaired.

“As the frequency of flooding increases, homeowners need to understand that flood insurance is typically not included in their standard homeowners insurance policy, but there are options available,” said Michelle Tennant, vice president of product management, Erie Insurance. “Even if you don’t live in an area that you think is flood-prone, if it rains or snows, it can flood. That’s why it’s so important to talk to your agent about your home and your neighborhood, to make sure you have the coverage that’s right for you.”

To learn more about flood insurance, contact your agent or visit erieinsurance.com/flood-insurance.

As flooding becomes more frequent, make sure that you have the insurance you need to protect your home and belongings.

(StatePoint) 
PHOTO SOURCE: (c) Image Source / iStock via Getty Images Plus


Other articles by HVP News Reporters


  • 4 ways students can develop entrepreneurial skills

    Give your child a head start

    Today’s students are tomorrow’s leaders. Young people who aspire to become prominent business professionals can now get a head start on the knowledge and skills necessary to become successful entrepreneurs before they ever leave high school. read more »
  • 6 natural ways to protect your health

    Remedies that your probably already have at home

    Natural and plant-based remedies have been around for centuries, and for everyday treatments like minor cuts, scrapes, and rashes, they can have real benefits. read more »
  • Why a healthier mouth equals a healthier you

    Take good care of your teeth

    Better oral health is strongly linked to better overall health, helping you speak properly, eat healthfully, and prevent certain infections and diseases. According to experts, it all starts with preserving your natural teeth. read more »
  • 8 summer driving safety tips

    Help avoid potential safety hazards

    Summer often brings vacations and road trips, which can put extra stress on your vehicle and one of its most important safety components: the tires. Higher pavement temperatures combined with normal wear and tear – plus added traffic volume due to summer travel – can contribute to potential safety hazards. read more »
  • Scrumptious ways to simplify summer meals

    Make weekday dining a breeze with easy, delicious recipes

    From everyday weeknight dinners to picnics in the park, warmer weather and longer days mean families want to spend more time together and less time in the kitchen. read more »
  • Supercharge summer fun with a sweet, simple salsa

    Your family will dive right in

    After a full day at the park or swimming pool, summer fun calls for some refueling. All that sun is sure to exhaust busy families, leaving little time for complicated snacks. read more »
  • Honey mustard cobb salad with tomato, avocado, bacon, egg and feta

    Empower your inner chef with convenient recipes and handy tools

    Bring joy back to the kitchen by taking the stress out of planning family meals, shopping for ingredients, and making your favorite recipes. read more »
  • Start your day strong with this strawberry oatmeal smoothie

    Six ingredients and a blender are all you need

    Making a delicious oatmeal smoothie has never been easier. Just six ingredients and a blender are all you need to make the perfect fruit smoothie at home. Deliciously sweet and creamy this strawberry oatmeal smoothie makes for a healthy and filling breakfast or snack. read more »
  • Running a local race?

    How to keep your feet healthy

    Whether you’re a novice jogger embarking on a couch-to-5K program or a marathoner serious about racking up finishers’ medals, you must take great care of your feet. read more »
  • Help kids avoid the “Summer Slide”

    Try the TurfMutt Foundation’s lesson plans

    Aligned with STEM standards, TurfMutt’s lesson plans teach kids valuable science lessons in the green space around them read more »