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Flood Insurance

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Flooding is the most common natural disaster in Pennsylvania.

What is Flood Insurance?

Flood insurance offers money for water-related damage to residential and commercial properties. Homeowners and business people can insure their real estate with this type of insurance plan. In some cases, this insurance also covers damage that results from accidents involving water lines, storage tanks and other infrastructure that holds liquids.

Who it is For

This insurance appeals to people who live near large bodies of water that are likely to get flooded. Homes along oceans, lakes and rivers are considered to be at a high risk of flooding. Even properties near creeks and streams can get heavily flooded during strong precipitation. Individuals who lease or own real estate are entitled to buy an insurance against floods.

How it Works

Before a property can be insured, it has to be evaluated for risk factors that are related to flooding. For example, insurance agencies carefully consider the geography and topography of a home or building that is going to be insured against a flood. The physical condition of a property in question also has to be considered before such an insurance is validated. Insurance companies often dispatch inspectors to precisely determine the extent of the damage that might occur to an insured home during a flooding event.

Different Types of Coverage in Existence

This insurance provides funds to repair and restore parts of a home that have been directly damaged by water. However, a flooding event has to be confirmed by a local municipal agency and weather station in order for policy holders to file a claim. Personal valuables such as electronics and furniture could be insured against water damage. Additionally, this insurance could be used to pay for the removal of mold and mildew that results from heavy flooding in basements and lower levels.

Major Benefits

Living in a waterfront location comes with a risk of flooding. Fortunately, this type of insurance creates peace of mind and financial security for individuals who reside within close proximity to oceans, lakes, rivers and other bodies of water. With such coverage, it’s possible to completely restore any area of a flooded home or building.

Great service and always available!
Allison Clayton
Already did this. But won't hesitate again to let others know this is a top notch company and I'm so blessed to have them working w me!
Peggy Whalen
Jim Graham is extremely knowledgeable, attentive and kind. He took so much care and time to find the right cocktail of insurance for my business's specific needs!
Autumn Stankay
I highly recommend Graham Insurance group. Great customer service, friendly people, and always is looking at your best interest.
Dominic DiDonne (Dom & Nikki)
Locked my keys in my car on a Sunday and called the roadside assistance and had my car unlocked within the hour. Very easy and quick the guy also asked if I was OK and in a safe location.
Nicholas Prettiman
My father was with Graham Insurance and when I needed insurance I went to them as well. They have always been professional and helpful. Even though I rarely called them they know who I am as soon as I told them my name. I highly recommend them for all your insurance needs.
I have been with nationwide for years, they have always been friendly, helpful and professional. I have always been able to count on them for my auto and home insurance.
Laura Wilkinson
We have been with Graham Insurance for decades. Always a no-hassle experience and very competitive rates. A huge thanks to Ronni who helped us recognize our new coverage needs and completed the process seamlessly.
Kimberly Bringe