Flood Insurance with Lacher
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Is Flood Insurance Right for You?
A flood insurance policy is affordable and offers invaluable peace of mind.
But it’s important not to wait until right before a heavy rainstorm to purchase flood insurance.
In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you want to purchase coverage, it’s already too late. You will not be insured if you buy a policy a few days before a flood.
Why Flood Insurance?
According to FEMA (Federal Emergency Management Agency), flooding is the nation’s most common natural disaster.
Thirty percent (30%) of flood claims are filed by people living in moderate-to-low risk areas, and 90% of all weather-related disasters involve flooding.
A standard homeowner’s insurance policy does not cover damages from flooding. A separate flood policy is needed to cover losses to your property caused by flooding, including:
- Structural damage
- Furnace, water heater and air conditioner
- Flood debris clean up
- Floor surfaces (carpeting and tile)
You can also purchase a flood insurance policy to cover the contents of your home, such as furniture, collectibles, clothing, jewelry and artwork.
Contact Us to Get a Proposal
Let’s talk. Call us at 215-723-4378 or click one of the buttons below to contact us.