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


  • Guilt-free, superfruit snacking

    Sweet treats made to permissibly indulge

    For many, enjoying a small indulgence can serve as a reward for a job well done or a mood-boosting pick-me-up. In fact, mindful snacking is on-trend for a majority of consumers. read more »
  • Getting healthier starts wth your feet

    Start your wellness goals from the ground up

    Good foot and ankle health is critical for good overall health, so no matter what your wellness goals are, be sure to start from the ground up. read more »
  • Dangerous heart conditions often go undetected in pregnant and postpartum women

    A torn ACL revealed an undiagnosed heart defect

    National Jewish Health experts advocate for screenings to detect heart conditions that may develop in otherwise healthy women read more »
  • Bald Eagle viewing in winter

    Watching them can offer an exhilarating and memorable experience

    Winter is a great time to view bald eagles in New York State. Viewing from a safe distance and at established observation sites can offer an exhilarating and memorable experience. read more »
  • Yes, you can raise healthy, smart, kind kids in a screen-saturated world

    "The Mediatrician" helps guide parents on Safer Internet Day

    Raising children in a screen-saturated world elicits fear, hope, and questions from parents, educators, and healthcare providers. The best thing to happen this year on “Safer Internet Day,” is the launch of “The Mediatrician's Guide”, developed to deliver those critical answers. read more »
  • Looking for a new career?

    Become a financial planner

    Becoming a financial planner offers both financial rewards and the chance to help others. Whether you’re a recent graduate exploring your career path or a mid-career professional seeking change, this growing profession may be the right fit for you. read more »
  • How to prep the night before the SAT or ACT exam

    Calm your nerves and enter the testing site with confidence

    Taking the SAT or ACT exam is the culmination of months of test-specific preparation, and in truth, years of schooling. While knowing that can feel like a lot of pressure, there are steps you can take the night before the exam to calm your nerves and enter the testing site with confidence: read more »
  • 7 Valentine's Day date ideas to break from the norm

    Think outside the box this year

    If you’re feeling pressure to plan the perfect Valentine’s Day date, it may be time to veer away from tradition. While flowers, chocolates and dinner for two is a classic, thinking outside the box can make for just as romantic of an experience. read more »
  • Helping infants, toddlers and families thrive

    The child tax credit is a critical policy vehicle

    A bipartisan package that recently passed in the U.S. House of Representatives, would expand the child tax credit (CTC). As the Senate decides whether to follow suit, advocates press that the CTC is a critical policy vehicle to help all infants, toddlers and their families thrive, and it should be implemented as soon as possible. read more »
  • What to look for when you need a law firm

    Savvy advice from Best Lawyers

    Let’s face it, no person or business gets a thrill out of hiring a law firm. Fortunately, peer-reviewed rankings have simplified the process. read more »