KESSLAK AGENCY INC.
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Flood Insurance
There's something you should know: Flood losses are not covered by your homeowners insurance policy. Even a few inches of water can cause serious damage that results in thousands of dollars in repair and restoration costs. Again, homeowners insurance does not cover floods. Purchasing a flood insurance policy through Kesslak Agency Inc. can protect you.

Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

Different types of policies are available based on your property’s location and flood history:

•Standard Flood Insurance Policies

If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a standard flood insurance policy. The NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You may choose only building coverage or building and contents coverage in a standard flood insurance policy.

•Preferred Risk Flood Insurance Policies

If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren't required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

Don't wait until it's too late. Contacting Kesslak Agency Inc. at 814-269-1474 today will get you on the path to flood protection with an affordable and comprehensive insurance policy.

Flood Policies – the Choice is Yours

Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?

Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

Option 2: Buy flood insurance and stay protected no matter what.
When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.

In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.

Call Kesslak Agency Inc. at 814-269-1474 today to see if you are in a flood zone and what we can do to get you coverage.

Call, Email, or Visit Us Today!

Phone: (814) 269-1474
Email: Kesslakagencyinc@outlook.com
Kesslak Agency Inc.
1405 Eisenhower Blvd. Ste 103
Johnstown, PA 15904