Myths and FAQs About Flood Insurance

At Patrick McNealis Insurance and Financial Group, we offer many types of insurance to meet all your insurance needs, including flood insurance. We serve residents of Emmaus, PA. 

Myth: You Can’t Get Flood Insurance in High Flood Risk Areas

As long as your area participates in the National Flood Insurance Program (NFIP). This includes those who live in a high flood-risk area, as well as those who are in a low-risk area.

Myth: You Don’t Need Flood Insurance if You are in a Low-Risk Area

You may think you don’t need flood insurance if you live in a low flood-risk area. However, 30% of flooding damage occurs in low to moderate-risk areas. This means flood insurance is an intelligent buy, regardless of your flood zone. 

Myth: Disaster Assistance or Homeowner’s Policies Cover Flood Damage

The truth is that federal disaster assistance can help, but it’s often not enough to repair the flood damage on its own. There’s also no guarantee that the area will be declared a national disaster area in the event of a flood. 

Homeowner’s policies cover many causes of damage to your home but do not cover flood damage. 

Myth: Renters Can’t Get or Don’t Need Flood Insurance 

If you are a renter, you can purchase flood insurance to cover your belongings, including furniture and valuables. It’s the landlord’s responsibility to provide insurance for the structure of the home itself, but this will not cover the contents of your home.  

Flood Insurance with Patrick McNealis Insurance and Financial Group

If you need flood insurance in Emmaus, PA, contact us at Patrick McNealis Insurance and Financial Group. Our agents will discuss your specific needs and help you select the best policy for your situation.