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Flood-Insurance

Flood Insurance from GMG Insurance

How many times have you seen it—the news coverage of families whose homes have been destroyed and possessions have been swept away or ruined by floodwaters?

Flooding isn’t limited to the overflow of a nearby body of water. It includes torrential rains that overwhelm drainage system, as well as and sewer/drain backups caused by flooding.

What Flood Insurance Covers

A residential flood policy through GMG Insurance will insure your building’s structure, and there is optional contents coverage available. Coverage includes the foundation, structure, central air, furnace, water heaters and other big appliances. It also covers flooring, walls, blinds, built-in cabinets and bookcases, and detached garages.

You can also opt to insure curtains, furniture, window air conditioners, microwaves, area rugs, clothing washers and dryers, and certain high-value items like art or furs.

Coverage for Renters and Condo Owners

All homeowners and renters should consider flood insurance. If you own a condominium unit, you should look at the role flood insurance could play in protecting the value of your possessions. If your condo is damaged by flood, your association won’t usually cover anything inside the walls of your unit. You would need your own flood policy to pay for damage to your possessions and even built-in things like carpets and cabinetry. Renters can also usually get very affordable policies for their contents.

Going Beyond Homeowners Insurance

At GMG Insurance, we will help you understand what is and isn’t covered by your homeowners policy. Even if you have sewage and drain or sump pump coverage, you should still consider flood insurance, since those policy clauses won’t apply if the backup is caused by flooding.

Our professional staff will help you determine how much coverage you need, what your flood risk is, and what kind of contents coverage would help you. We will also talk to you about restrictions on coverage for below-ground levels of your home.

Floods occur all year round and in every part of the nation.

Turn to GMG Insurance for personalized attention on managing your assets and securing products that accommodate your lifestyle, now and as it changes over time. Contact us at (215) 497-9240; (800) 540-7900; or email at info@gmgins.com.