{"id":444,"date":"2016-06-23T05:30:06","date_gmt":"2016-06-23T05:30:06","guid":{"rendered":"http:\/\/www.keystoneinsurance.us\/?p=444"},"modified":"2016-06-24T04:19:05","modified_gmt":"2016-06-24T04:19:05","slug":"is-flood-insurance-required","status":"publish","type":"post","link":"https:\/\/keystoneinsurance.us\/?p=444","title":{"rendered":"Is Flood Insurance Required?"},"content":{"rendered":"

\"June_Blog_4\"<\/a><\/p>\n

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After a lot of rain, have you ever thought about flood insurance and wondered if your home is covered?<\/p>\n

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It\u2019s an important topic that\u2019s not discussed a lot!\u00a0 But there are a few things you should know, especially if you live in an area at risk for high water.<\/p>\n

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Flood insurance is offered by the National Flood Insurance Program (NFIP).\u00a0 It is a federal program and falls under slightly different rules.\u00a0 Because it is federal, the rates are the same with all companies.<\/p>\n

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Flood insurance is not automatically included in your Homeowners Insurance.\u00a0 It is a separate policy with a separate rate.\u00a0 Your basic Homeowners insurance will not cover your home from flood or rising waters.<\/p>\n

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If you\u2019re in a flood zone, flood insurance will be required by your mortgage lender.\u00a0 Maps are created to determine the risk of flooding within a community.\u00a0 If your home falls into a flood zone (an area prone to flooding), your mortgage lender will require you to carry flood insurance.\u00a0 Even if you\u2019re not in a flood zone, you may consider purchasing coverage if you\u2019ve noticed high waters after heavy rain.<\/p>\n

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Another thing to keep in mind is that it takes 30 days to start a flood policy.\u00a0 You can\u2019t call up and immediately start flood insurance, the way you might with auto or home insurance.\u00a0 Unless you\u2019re purchasing the property, there will be a 30 day waiting period until the coverage goes in force.\u00a0 This is why it\u2019s important to purchase flood insurance BEFORE you actually expect a flood!\u00a0 Don\u2019t wait until it\u2019s already on it\u2019s way.<\/p>\n

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Unsure if flood insurance is a good idea for you?\u00a0 Give us a call and we can review your flood zone and look at what the cost of coverage would be.\u00a0 You can also find answers to many frequent flood insurance questions at FloodSmart.gov<\/a> (https:\/\/www.floodsmart.gov\/floodsmart\/pages\/faqs.jsp<\/a>).<\/p>\n

Zappia Insurance and Financial Group<\/strong><\/p>\n

Toll-Free 1-800-569-2867<\/strong><\/p>\n

Du Bois (814) 371-4901<\/strong><\/p>\n

Pittsburgh (412) 265-6383\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

  After a lot of rain, have you ever thought about flood insurance and wondered if your home is covered?   It\u2019s an important topic that\u2019s not discussed a lot!\u00a0 But there are a few things you should know, especially if you live in an area at risk for high water.   Flood insurance is […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[95,10,9],"tags":[],"class_list":["post-444","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","category-homeowner-tips","category-insurance-tips"],"aioseo_notices":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5ZNiF-7a","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/444","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=444"}],"version-history":[{"count":2,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/444\/revisions"}],"predecessor-version":[{"id":447,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/444\/revisions\/447"}],"wp:attachment":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=444"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=444"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=444"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}