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Get Ready For Summer With These 5 Insurance Policies: Part 2

A couple of weeks ago we posted a list of five insurance policies you definitely need to review as you prepare to head out and enjoy your summer plans. Believe it or not, though, that original list only mentioned some of the insurance policies worth keeping in mind during your seasonal activities.

By now we’re willing to bet that “summer brain” is starting to set in and wash away your worries. Unfortunately, even during this relaxing time of the year risk factors can become full-blown, potentially expensive problems. So before you head out for your summer adventures, take a moment and make sure you’ve reviewed whether or not your insurance covers these five scenarios and objects that could interfere with your favorite season in the year. 

-Scooters Or Motorcycles: For many motorcyclists early summer is the perfect time to ride their bikes. Since motorcycles can’t be included in an auto insurance policy, it’s important to review and consider updating your current motorcycle insurance policy before you head out for a summer roadtrip. We’ve talked about a motorcyclist’s insurance needs before, which include liability, personal injury protection, comprehensive and collision coverage.

Motorcycles aren’t the only form of transportation that require their own insurance; like motorcycles, any small motor scooters people may own are not covered under a normal auto insurance policy. Legally scooter riders only need to purchase basic liability insurance; seeing as this only offers coverage for any damage and injuries other people incur in an accident, it’s important to consider collision and comprehensive insurance as well. Don’t worry: many affordable policies cover all of these needs. 

-ATVs: For some people the most exciting part about the summer is bringing out their all-terrain vehicle (ATV) for a little off-road fun. However, just like motorcycles and scooters, ATVs are not covered under standard auto insurance policies. Sometimes a homeowners policy includes liability partial coverage for an ATV, but no ATV owner should assume they’re fully covered by this. Instead all ATV  owners should consider having a full ATV coverage policy; if any family members or friends will be driving your ATV for the first time this year, it’s especially important to check that they’re also covered under an existing policy to make sure any off-road tumbles don’t lead to extremely expensive medical costs. 

-Trampolines: We’re willing to bet you never expected to see trampolines on this list. While trampolines themselves don’t require insurance, what many people don’t realize is that some companies can deny a claim if they have policy exclusions for anything involving a trampoline. Some companies can refuse to insure a property if they deem a trampoline too risky, and others will cancel your policy if a trampoline goes against the safety guidelines written out by your insurance contract. Because of this, it’s extremely important to review your insurance policy and find out if trampoline-related injuries would be covered, and if a trampoline is allowed on your property to begin with, before your children or their friends beginning playing on one.

-Fireworks: Summertime festivities and fireworks go hand-in-hand, but for Pennsylvania residents fireworks create a double-whammy risk factor. Not only can improperly lighting and using fireworks cause serious injuries, but in states that do not allow the use of fireworks without a permit the use of fireworks can also jeopardize your current homeowners insurance coverage. So while residents in states where fireworks are legal should always check to see if their property includes proper liability and damage protections, those of us in the Keystone State must remember that setting off fireworks can potentially lead to us losing our insurance coverage. Plus as a result of the risk associated with us, we’ll pay far more for a new policy with a new insurance company.

-Renting Homes: Are you planning on renting out your home this summer? Many people rent out a room during the summer to help bring in some extra cash, but without the right insurance that extra cash could potentially go into paying liability and property damages caused by your temporary subletter or subletters. The insurance requirements for renting our homes vary considerably depending on how long and how often people will be staying with the homeowner. Some insurance plans will allow short-term visits on a regular home insurance policy, while others may require a small renters insurance policy. Because of this, it’s best to talk to your policy holder and see exactly what you are – and aren’t – covered for, before anyone moves in for the season.

Are you unsure if your insurance offers the right coverage for you? Do you need a new policy for one of your vehicles? Let the Fisher Widmann Flick Insurance Agency help protect you so that you can enjoy your summer in peace. Go ahead and contact us today to set up an appointment with one of us trained insurance experts, who can make sure your insurance policies cover exactly what they need to cover, all at a reasonable cost. We’re all that stands between you and a wonderful relaxing summer, so don’t wait!

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Is Your Excavators Insurance As Comprehensive As It Could Be?

Now that the season has made good weather a common occurrence, chances are that you’ve walked past a construction site or two as business picks back up for builders, excavators and contractors alike.

As a passerby, it’s likely that you’ve never even given the workers a second thought. But if you’re one of the workers operating an enormous piece of machinery day after day, helping to clear out an area or build a new structure, it should come as no surprise to you that your entire operation needs to be properly insured.

Insurance is important for any work site, but is especially vital on active construction and excavation sites. For contractors, insurance offers protection against different levels of risk regarding possible accidents, injuries, or even property damage caused specifically by ongoing work. Like contractors, excavators need comprehensive insurance as protection against the many risks associated with working in the construction business; while contractors generally manage the oversight of a construction project, excavators are exposed to a range of potentially hazardous situations involving underground digging, heavy machinery, cranes, and sometimes even explosives.

It only takes one small mistake while working as an excavator to create a large problem that could damage the area being worked on – or worse, injure a worker. And if a company has the wrong insurance policy, they may not be properly covered in the event of a worksite accident or lawsuit.

Fortunately the right insurance will help ensure your company’s safety and financial security, allowing you to focus on working safely, rather than worrying about what you’ll do if something goes wrong.

Don’t spend your valuable time worrying about what your insurance covers – instead, let our team at the Fisher Widmann Flick Insurance Agency help you. Our experienced team of staff members working throughout central Pennsylvania can ensure that you’re fully covered by your Excavator Insurance. Our cost-cutting services will give you full coverage in a range of areas, including:

-Commercial General Liability or Umbrella Liability Insurance

-Underground explosions or collapses Insurance

-Owned or Leased Contractors’ Equipment Insurance

-Fleet Coverage Insurance

-Property Insurance

-Workers Compensation

Working with our staff will ensure that your business can continue to operate knowing that its equipment, employees, and financial well-being are all protected with the best insurance plan that’s been tailored to your needs.

So go ahead and make an appointment with one of our staff members – whether you’re in Johnstown or any other area in central Pennsylvania, and whether you need an entirely new policy or to just update the one you already have, we’re here to help you make sure that your excavation business is fully covered for a reasonable price. Our representatives in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties are all ready to work with you so that you can concentrate on your business, rather than your worries.

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Get Ready For Summer With These 5 Insurance Policies

Summer has now unofficially started, as busy beaches, lifeguards and businesses alike can attest to. But while we may all be looking forward to taking a break from work during a summer vacation, it’s important to take a moment to ask ourselves: what are my summer insurance needs this year? 

While insurance is the last thing we want to think about before heading out for some summertime relaxation, consider this: ignoring our seasonal insurance needs could become even more costly than our vacation expenses. And who wants to deal with that scenario?

So before you head out for your summer adventures, make sure you’ve checked off this season’s insurance to do list:

PicMonkey Collage.jpg

Pool Insurance: Pools can quickly transform from fun areas to danger zones, at which point you may have to pay for your or even a guest’s medical bills. Take the time to prevent this by making sure your pool is properly insured, as well as checking to find out if it needs any repairs and if it meets local standards and codes for safety equipment such as fences and locks. Never assume swimming pool related work and accidents are fully covered under your homeowners insurance – especially since some policies exclude swimming pools from their coverage entirely.

-Car Insurance: Car shows and summer go hand-in-hand, but as we’ve discussed before, antique and classic cars usually require a separate insurance policy than your everyday set of wheels. Insurers offer both agreed-value or stated-value policies for antique and classic cars, so you can select the coverage that’s best for you; you’ll also want to make sure that you have liability insurance before taking your car to any show this summer.

-Watercraft Insurance: Boats are one of the most enjoyable parts of the summer season, but they also come with major risks that owners need to take into consideration. Some boats are covered under homeowners or renters insurance policies. Others, like personal watercraft-like Jet Skis and larger boats, require a separate marine insurance policy. So before you head to the helm and out to open water, make sure that you have proper boat insurance that will help you in a number of scenarios, like:

*Your boat getting lost or damaged

*Your guests accidentally injuring themselves during a day on the water

*You having to go to court if someone takes your boat for a joy ride without permission

-Motorcycle Insurance: Open roads during a beautiful summer day are a motorcyclist’s dream. Of course, riding a motorcycle carries risks; that’s why all motorcyclists are required to have liability coverage for property damage and bodily injury that you may cause to other people in an accident. A comprehensive policy also covers non-accident damage, such as from fire, vandalism and theft.

-Rental Car Insurance: Are you renting a car at all this summer? Some people don’t bother purchasing additional insurance when renting a car because of the coverage they have through their credit card and current auto policies. However, if you plan on renting a car this summer, ask yourself: if my rental is damaged, will I have to pay out of my pocket for repairs and wait for any reimbursement, or will my insurance cover the cost of the damage right away? Use the answer to this question, and how much better or worse off you’d be in either scenario, to evaluate whether or not you need to purchase rental insurance during your trip this summer.

These are five major insurance policies you should definitely review before you throw yourself into your summer plans. Even if you feel ready for some summer fun, if your insurance isn’t able to handle the risks associated with the season, then it’s too early to jump into summer just yet. Still, we understand that you’re ready to start enjoying yourself out there; that’s why we’re offering to help you evaluate your current insurance policies to get you ready for your summer adventures.

Go ahead and contact us today to set up your appointment. Everyone on our staff at the Fisher Widmann Flick Insurance Agency is a specially trained insurance expert who can make sure your insurance policies cover exactly what they need to cover, all at a reasonable cost. So go ahead and get in touch, central Pennsylvanians – we’re all that stands between you and a wonderful summer!

 

*Image Sources:

Swimming Pool: Courtesy of Flickr user dno1967b 

Red Car: Courtesy of commons.wikipedia.org

Sailing Boat: Courtesy of Pixabay

Motorcycle: Courtesy of commons.wikipedia.org

Silver Car: Image courtesy of Flickr user rp72

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Never Make A Sale Without Special Events Insurance

Home and garden shows. Expos. Farmers markets. Arts festivals.

What do events like these have in common? They all feature concessionaires and vendors, each selling their handmade wares and crafts to an excited community. For many attendees special events like these are the highlight of their spring or summer – and for the concessionaires and vendors, these events are their livelihood.

So whenever you prepare to head out, set up a booth, and start selling your homemade goods, don’t forget to ask: do I have the insurance coverage I need for this event? 

While not every small-town local event will require that their vendors purchase insurance, having insurance in place while attending an event is always highly recommended. Special event insurance can offer protection in a range of situations:

-Your goods and services are your livelihood – how much would losing one or more of them set you back? Insurance can help keep you on your feet in the event of a theft.

-A special event is a public place, which means that your business must operate in a public place. Your insurance should protect your business from any injury or property damage claims that you may face as a result of your operations.

-As a business owner your responsibility does not stop when an event ends. Should one of your products become involved in an injury or property damage case later down the line, good insurance will kick in to help you deal with that situation.

Exactly what a concessionaire or vendor needs ultimately comes down to what they sell, how long they’ll be at an event, and the environment the event will take place in. This makes finding the right insurance for each event you go to incredibly important. Our staff at the Fisher Widmann Flick Insurance Agency understand this – that’s why we’ve taken steps to ensure that you’re always properly insured at the special events you attend. 

To make this happen we’ve partnered with the United States Liability Insurance Group, who’s known for specializing in underwriting low premium, low hazard specialty insurance products. Together we’re offering specifically designed insurance packages that accommodate the coverage and pricing needs for a wide variety of concessionaires and vendors. Through this partnership we now offer general policies and packages alike for special events that include things such as auto liability coverage, Inland Marine coverage and more.

Whether your booth will be located indoors, outdoors, in a lot, under a tent, or at a local market or fair, you can count on us to protect your operation. If you’re preparing to attend an event in Johnstown or central Pennsylvania, go ahead and make an appointment with one of our staff members to prepare your special event insurance package. Our representatives in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties are all ready to work with you so that you can continue doing what you love knowing that you’re good to go, no matter what might happen during your day at work!

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Contractors: Don’t Forget To Double-Check Your Insurance Coverage!

If there’s one thing we can expect every spring, it’s that the warming weather will always bring a flurry of new work to contractor’s doors as homes and businesses alike look to repair, replace or even build any number of desired systems, structures and appliances.

While the spring season is good for a contractor’s bottom line, we urge contractors to pause before they rush to work on their latest incoming projects. Because contractor jobs by definition often carry unique and fairly dangerous risks, now is the time to ensure your business will continue to run smoothly by checking and confirming that your insurance comprehensively covers any likely worst-case scenarios you’d see in your line of work.

As with any type of insurance, different contractors insurance plans cover different levels of risk regarding possible accidents, injuries, or even property damage caused during your work. Contractors insurance usually falls into one of three major categories:

General liability insurance: Typically included in most contractors insurance packages, general liability coverage protects against things like lawsuits and other financial liabilities.

Commercial vehicle insurance: Does your work require use of a commercial vehicle? If so be sure to look into commercial vehicle insurance, whether you use a car, truck, van or even trailer, to make sure this important business asset isn’t neglected from a coverage standpoint.

Business owners insurance: Business owners insurance is perfect for contractors who own business-related properties, such as garages or warehouses. These policies usually include general liability insurance with other business related coverages, including but not limited to loss of income, property, and commercial vehicle insurance.

 

Depending on the type of contract work you do, you may also want to include additional coverage options in your insurance policy. For example, some contractors find that comprehensive liability coverage works better than a general liability policy. Where you work on your contracting jobs – such as a construction sites, riverside projects, and so forth – can also impact your coverage needs.

Don’t think you have the time to evaluate all of this yourself? Not sure what coverage you actually need to succeed? Go ahead and make an appointment with one of our Fisher Widmann Flick Insurance Agency staff members to evaluate your contractors insurance policies. Whether you’re in Johnstown or any other area in central Pennsylvania, and whether you need an entirely new policy or to just update the one you already have, we’re here to help you make sure that your business is fully covered for a reasonable price. Our representatives in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties are all ready to work with you so that you can concentrate on staying safe on the job, rather than worrying about what would happen if things went wrong while working.

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Don’t Forget About These 5 Insurance Policies During Your Spring Cleaning!

After a long and bitter winter spring has finally begun to appear in central Pennsylvania; and with the change in season comes that annual tradition of spring-cleaning, a time when we clean our homes and try to catch up on the things we lapsed on during the winter months. This year, though, instead of just cleaning your home, we recommend taking some time to clean up your insurance policies, too.

We know that the last thing you want to think about is insurance, but consider this: ignoring your insurance needs now could quickly become a major issue later thanks to the problems that arise during the changing seasons. So as the spring season begins knocking on our doors we recommend reviewing five extremely important insurance policies this month:

1. Auto Insurance: We’ve talked before about the importance of having car insurance that goes above and beyond basic legal requirements; with spring in air, going beyond those minimum requirements is more important than ever. With spring comes potholes, and with potholes come potentially expensive repairs. Fortunately pothole damage is typically covered by collision coverage – but if your policy doesn’t include this, springtime may have a very unpleasant welcoming gift waiting on the roads for you.

2. Flood Insurance: The state of Pennsylvania deals with its fair share of rain and snowfall – many areas experience over 50 inches of precipitation each year. Combine this precipitation with Pittsburgh’s geography – hills, mountains, and rivers and creeks abound – and you have the potential for flooding. Even residents in low risk areas are encouraged to prepare for potential flooding; however, a standard home insurance policy does not cover spring flooding damages. Fortunately there are plenty of affordable flood insurance policies out there – so if you haven’t invested in this insurance yet, now is the ideal time to do so.

3. Homeowners Insurance: That winter weather doesn’t just take its toll on the local roads – it can also cause major damage to your driveway. Unfortunately, winter weather cracks usually aren’t covered under a basic homeowners policy. So if your driveway is getting older or is prone to cracking, now is an ideal time to talk to an insurance agent about how to cover the costs of a potential repair in the near future. This is also a good time to make sure that your homeowners policy will cover any likely possible damages, such as those caused by weather – remember, spring storms are often unkind to your home’s roof and sidings!

4. Health Insurance: Health insurance can be tricky to navigate any year; with market changes due to the Affordable Care Act officially in place, it’s more important than ever that individuals take the time to look into their health insurance coverage and options. While open enrollment under the ACA is currently closed, individuals can still get 2014 coverage under the ACA in select situations; you can also see if any plans could offer you great coverage for a smaller cost down the line.

5. Life Insurance: While thinking about life insurance can be unpleasant, a lot can change in a year, which makes checking in on your policy on a regular basis incredibly important. Are your beneficiaries up to date? Is the amount in and cost of your policy appropriate for your needs? Only you can answer those questions – and only by reviewing your policy can you be sure that it currently matches and covers your final wishes.

These five insurance policies deserve your full attention during your spring cleaning sessions. But important as reviewing these insurance policies is, we know that thinking about insurance can become frustrating and confusing. That’s why we’re offering to help you evaluate your current insurance policies this spring.

You can make sure that you’re ready for 2014 by contacting us today and setting up your appointment. Everyone on our staff at the Fisher Widmann Flick Insurance Agency is a specially trained insurance expert who can make your  insurance policies cover exactly what they need to cover, all at a reasonable cost. So go ahead and get in touch, central Pennsylvanians – this is one part of your spring cleaning errands that we can definitely handle!

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Now Is The Time To Talk About Life Insurance

At the Fisher Widmann Flick Insurance Agency, we understand that talking about insurance is not typically a pleasant experience. This is especially true when it comes to purchasing one of the most important types of insurance of all: life insurance.

Life insurance is designed to offer a source of financial stability to friends or family listed in your policy as beneficiaries upon your passing. Needless to say, talking about what to do in the event of our passing is not an easy task. Discussing life insurance policies can be one of the most difficult things any of us has to do – so difficult, in fact, that many of us would rather talk about any other topic instead of life insurance!

Unpleasant as the idea of passing on may be, discussing and purchasing life insurance is especially critical if you have a family that would be affected by your passing. And since we’re encouraged to insure anything else of value to us, why put off insuring ourselves? This is especially true if you’re healthy and entering a point in your life where life insurance would greatly benefit a family that relies on you; by looking into life insurance while you’re healthy and young, you have ample opportunity to save money on your policy, as well as to do any necessary research that will help you find the perfect policy.

When you do decide to purchase life insurance, your next step is to ensure that you purchase a policy that meets your needs. According to money.usnews.com, “Financial experts often recommend that people take out insurance policies worth at least seven times their annual household income, but specific needs vary.

This, however, is not a requirement, as the worth of your life insurance is ultimately dependent on your needs as an individual. Foxbusiness.com said it best: “How much life insurance do you need? The answer depends on several factors, including your age, the ages of your spouse and children, your income, your mortgage and other debts, college expenses for your children and/or spouse, and the size of the last bill you’ll ever incur: your funeral expenses.”

Of course, like any other type of insurance, life insurance coverage varies from policy to policy, and may need to be changed or replaced depending on your changing needs from year to year. Our staff at the Fisher Widmann Flick Insurance Agency understands this need. That’s why we are all specially trained and ready to help evaluate your policy options to ensure that you obtain an affordable policy that will ensure your loved ones will be supported in the event of your sudden passing. So go ahead and schedule your appointment with us today; our representatives are ready to help you begin the long-term planning process that will result in the best life insurance plan for you.

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Equipment Breakdown Insurance Will Truly Protect Your Business

A lot of effort goes into making any business successful. So after owners and employees alike put lots of time, talent, energy and even financial support into operating a business, doesn’t it make sense that those investments and efforts would be protected?

As we’ve discussed in the past, disaster can strike any business at any time; that’s why commercial property insurance is usually considered the must-have protection policy for businesses. However, even if your business does have commercial property insurance, there are still many more parts of the business that you should look into protecting.

Consider, for example, your business’ equipment. Most (but not all) property insurance policies will cover damaged or stolen equipment in the case of fire, a break-in, and other disasters of that nature. But what happens if your equipment stops working during a normal business day?

In that case, property insurance offers no protection or assistance with that particular problem whatsoever. This means that a single power surge, short circuit, or general malfunction could potentially cause a major problem, and depending on the equipment could even bring your entire business to a standstill.

Equipment is exactly what allows a business to continue to operate normally. But inevitably, breakdowns and malfunctions will interrupt the work process; that’s exactly why a business needs to be prepared to deal with them and ensure that their business will begin running smoothly once more as soon as possible.

Fortunately, in addition to commercial property insurance, many insurance companies also offer Business Equipment Insurance and Equipment Breakdown Insurance that can be tailored specifically to your business’ needs. Just a few examples of types of equipment that can be insured are*:

 ·Refrigeration and air-conditioning equipment

·Boilers

·Electrical equipment

·Computers

·Diagnostic equipment

·Mechanical equipment

·Pressure vessels

·Telecommunications systems

·Production machinery

Whether your concern is protecting a fleet of computers or covering the potential repair bill of a massive work vehicle, one insurance policy could ensure that your business is up and running after a malfunction, for a minimal financial hassle, within no time. Plus, as an added level of protection, often business equipment insurance offers coverage for a loss of income experienced during a repair, so that your business is minimally set back after lost time on the job.

Equipment breakdown insurance is an essential tool to prevent major losses at your business. That’s why now is the perfect time to review your business’ commercial property and equipment insurance policies. We strongly encourage you to schedule a personal assistance meeting with one of our Fisher Widmann Flick Insurance Agency staff or representatives to go over one, the other, or both. We are all specially trained and ready to help evaluate your policy options to ensure that the equipment at any business, big or small, is covered and insured. So whether you’re in Johnstown or any other area in central Pennsylvania – and whether you need an entirely new policy or to update the one you already have – we’re here to help you.

Go ahead and schedule your appointment now; our representatives in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties are all ready to help you so that you can go into work tomorrow knowing that even a malfunction in your equipment won’t slow your business down this year.

*Source: Partner Liberty Mutual

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Why The Polar Vortex Should Have You Thinking About Your Homeowners Insurance

The holiday season may have come and gone, but the weather has remained quite frightful across the country as state after state deals with the residual effects of last week’s Polar Vortex storm. As a direct result of last week’s nationally awful weather, many insurance companies have already seen or expect to see an increase in the number of insurance claims made because of the damages caused by this year’s winter storms.

Last week highlighted that while there are things you can do to prevent major damage to a home in the cold, when extreme weather strikes, even the most prepared of us are at risk for winter weather-related problems in our home; once those accidents or disasters strike, we’ll often find ourselves looking to our insurance plans for help and assistance.

In the case of winter weather, we must rely heavily on policies such as our homeowners insurance, which protects our private property and offers financial assistance when something disastrous happens to said property. A typical homeowners insurance policy will cover damage to a home (and other structures) if the damage was caused by falling trees, wind, or frozen pipes. If heavy snow causes a roof, porch or other structure on the property to collapse, then that damage is often covered as well.

However, as with any insurance policy, depending on what exactly is listed as covered, some damages may not actually be covered by your policy. As highlighted on MSN.com, a few situations that are usually not covered include pipes that have burst as a result of the property owner taking no precautions, seeping water or snow, and damage as a result of backed up storm drains.

So what can a homeowner do to keep these situations from becoming a problem this season? In addition to weatherproofing their home to prevent prevent major damage, as well as taking other winter weather precautions where necessary, homeowners should know exactly what their homeowners policy covers. That’s why the staff at our very own Johnstown-based the Fisher Widmann Flick Insurance Agency (F.W.F Insurance Agency), as well as at our partner Safeco Insurance, are urging you to schedule an appointment now to have your homeowners insurance policy reviewed before another winter storm terrorizes your area.

Work with staff at one of our two companies, and we promise that you’ll leave knowing exactly what is covered in your home and what is not. Plus, if you’re unhappy with your homeowners insurance after speaking with us, we’re happy to work with you to help you find an affordable but still comprehensive insurance plan that won’t leave you out in the cold during this very chilly season.

So whether you’re located in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties, we’re ready to work with you! Contact us now to set up a meeting with one of our local representatives in central Pennsylvania! Our representatives will use their connections to 15 other major insurance companies, like Safeco, to ensure that your homeowners policy is just what you need to protect you from damage caused by severe weather this winter.

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Why Even Low-Risk Area Residents Should Consider Flood Insurance

As the state of Pennsylvania prepares for weather forecasts ranging from snow to cloudy to pouring rain, we want to take the time to urge all homeowners to evaluate how protected they would be in the case of a flood.

Each year, flooding is caused by heavy rains, melting snow, inadequate drainage systems, failed protective devices such as levees and dams, and tropical storms and hurricanes. While people living in the areas most likely to experience a flood are legally obligated to purchase flood insurance, lower-risk areas are often left believing that they don’t need flood insurance at all.

The reality, though, is that the Federal Emergency Management Agency (FEMA) recommends that even houses in low flood risk areas have flood coverage. This is because – as highlighted by stats on FloodSmartnearly 25% of all flood losses occur in low-to moderate-risk zones.

This means that while some areas are at a higher risk than others, the truth is that in the United States, everyone lives in a potential flood zone – floods and flash floods can happen in all 50 states, in any area, at any time. And they do occur more often than we might realize; statistics from the National Flood Insurance Program (NFIP) reveal that within an average 30-year mortgage timeline, a homeowner has a 9 percent chance of making a claim for fire damage, compared with a 26 percent chance of making a flood damage claim.

But despite the risk of flooding across the nation, and although it only takes one-inch of water to potentially cause thousands of dollars in damages, the majority of homeowner insurance policies don’t cover flood damage at all. This means that for many people living outside of high-risk zones, a single faulty drainage system or heavy downpour could potentially result in massive out-of-pocket expenses.

So this year, as the snow begins to melt and the rain begins to roll in, be prepared: make sure that you’re not left to pay for these potential damages out of pocket should disaster strike. And if flood insurance is a new area for you, then we strongly encourage you to schedule a personal assistance meeting with one of our Fisher Widmann Flick Insurance Agency staff or representatives.

We are all specially trained and ready to help evaluate your policy options to ensure that what you select will keep you on your feet in the event of flooding. Whether you’re in Johnstown or any other area in central Pennsylvania – and whether you need an entirely new policy or to update the one you already have – we’re here to help you. Our representatives in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties are all ready to work with you so that you can go about your day knowing that in the event of the unusual, your insurance will keep you high and dry.