Flood Insurance

At Gold Line Insurance Advisors, we want to ensure our Pennsylvania clients understand their flood risks and are prepared and protected. Our team is ready to work with you to answer any of your questions.

Your homeowner's insurance does not cover you in the event of a flood.

Your homeowner's insurance likely excludes flood damage. You need additional flood insurance to cover floods - whether the damage is from burst pipes or flash floods.

You need flood insurance even if you don't live in a flood plain or aren't in a FEMA flood map zone.

Flooding occurs outside of flood plains. Flood risks are also increasing, and maps that rely heavily on historical data are not likely to reflect present or future risks well.

You are at risk of flooding even if your home isn't near a body of water.

Flooding can occur from sudden, unusually strong rains that cause flash floods well away from traditional flood zones. It can also be a result of a burst pipe or infrastructure failures. Your home or business is always at some risk of flooding.

Flooding is common and likely to impact you.

A recent study by First Street Foundation found that Pennsylvania could become the 2nd most flooded state, behind Florida. Throughout the state, the risk from aging infrastructure and strengthening storms promises to make flooding a growing and persistent risk for Pennsylvanians.

Types of PA Flood Insurance

• NFIP - Backed by FEMA but takes 30 days to take effect from the date of purchase.
• Private Insurers - Your insurer may offer flood coverage.
• Surplus lines insurers - Out-of-state insurers authorized to sell policies in Pennsylvania. There are some risks associated with surplus lines insurers.

Call or stop by Gold Line Insurance Advisors today to ensure you are protected against an unpredictable future. Our friendly staff can answer your questions about different types of flood insurance and how it protects your home and family.