DeLuca reminds residents about spring flooding danger, urges flood insurance

PENN HILLS, April 22 – As Spring brings heavy rainfall and the threat of flooding to Pennsylvania, state Rep. Tony DeLuca is reminding residents that flood insurance is available to protect their homes, businesses and belongings.

“Allegheny County is no stranger to the threat of flooding, and it doesn’t take much water -- even as little as an inch -- to cause tens of thousands of dollars of damage to a home,” said DeLuca, D-Allegheny. “As the Democratic chairman of the House Insurance Committee, I feel it is part of my responsibility to make everyone aware flood insurance is available, even for folks who don’t live in a flood plain. I encourage homeowners, renters and business owners not to wait to explore their options so they can stay prepared for a flood emergency.”

DeLuca added that most homeowners’ insurance policies do not cover damage due to flooding. Homeowners who live in Special Flood Hazard Areas are likely required to have flood insurance, but one in four insurance claims for flooding come from outside high-risk flood areas, according to the National Flood Insurance Program.

Private insurers and the NFIP offer flood insurance policies to cover almost any building and its contents, including rental property and condominiums.

Consumers should be aware that flood insurance policies are not active immediately. In most cases, there is a 30-day waiting period before policies are active, which prevents individuals from purchasing flood insurance solely when a storm is headed towards their property. There are exceptions to this policy, including if the home was recently added to the federal government’s SFHA map, and if the lender requires flood coverage for a newly purchased home. 

Information on both the NFIP and private flood insurance is available on the PA Insurance Department's one-stop flood insurance webpage: https://www.insurance.pa.gov/Coverage/Pages/Flood.aspx.