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Pennsylvania Flood Insurance

It is important to note that flood insurance is NOT included in your PA homeowners policy. Believe it or not, you can live several miles away from water and still be a victim of a flood. Nearly 25% of Pennslyvania flood insurance claims are paid on policies in low-to-moderate-risk areas.

This happens because it it’s not always a major body of water, or even a major storm, that causes a flood. Things like a broken sewer line to a slow moving rainstorm can cause flooding. Experts say your home has a 26% chance of being damaged by a flood over the life of a 30-year mortgage.

Pennsylvania flood insurance covers direct physical loss caused by “flood.” In simple terms, a flood is an excess of water on land that is normally dry. Here’s the official definition used by the National Flood Insurance Program…

A flood is “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:

  • Overflow of inland or tidal waters;
  • Unusual and rapid accumulation or runoff of surface waters from any source;
  • Mudflow; or Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.”

Three Important Facts About Your Pennsylvania Flood Insurance Policy

A Pennsylvania flood insurance policy is a single-peril (flood) policy that pays for direct physical damage to your insured property up to the replacement cost or Actual Cash Value (ACV) of the actual damages or the policy limit of liability, whichever is less.

  1. Contents coverage must be purchased separately.
  2. It is not a valued policy. A valued policy pays the limit of liability in the event of a total loss.
  3. It is not a guaranteed replacement cost policy. A guaranteed replacement cost policy pays the cost to rebuild your home regardless of the limit of liability.

Pennsylvania Flood Insurance

Pennsylvania Flood InsuranceIf you own a home in PA, let one of our expert agents take a look at your PA flood insurance policy, or talk to you about a first time policy. Call us today at (800) 821-2436 x1, or fill out the form on this page for more information and a no-obligation Pennsylvania flood insurance quote.