While Pennsylvania doesn’t experience hurricanes in the traditional sense, it does get hit by their remnants, which can be very destructive such as Hurricane Ida in 2021 and Hurricane Sandy in 2012.
This Common Home Insurance Myth Could Leave You Bankrupt!
Tom and Jessica thought they were protected. They had homeowners’ insurance—what else could they possibly need? That assumption was shattered when a flash flood from an out of state Hurricane turned their basement into a murky swimming pool.
Expecting their insurer to step in, they filed a claim—only to be hit with a brutal reality. Their policy didn’t cover flood damage. Like many homeowners, they had assumed natural disasters were automatically covered. The truth? Events like floods, earthquakes, and sewer backups often require separate policies. With no coverage, they were left to deal with a massive repair bill. The moral? Never assume. Always verify your coverage before disaster strikes.
Speaking with an insurance agent today about potential risks based on your geographic area can help you avoid an expensive mistake in the future.
Questions to ask your agent:
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Does my homeowners’ policy cover flood or earthquake damage?
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What separate policies do I need for natural disasters?
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How can I assess my home’s risk level?
Check FEMA’s Map to find out if you live in a flood-prone area.