{"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":"<p><a href=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2016\/06\/June_Blog_4.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-445\" src=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2016\/06\/June_Blog_4.jpg\" alt=\"June_Blog_4\" width=\"600\" height=\"300\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2016\/06\/June_Blog_4.jpg 600w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2016\/06\/June_Blog_4-300x150.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>After a lot of rain, have you ever thought about flood insurance and wondered if your home is covered?<\/p>\n<p>&nbsp;<\/p>\n<p>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<p>&nbsp;<\/p>\n<p>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<p>&nbsp;<\/p>\n<p>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<p>&nbsp;<\/p>\n<p>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<p>&nbsp;<\/p>\n<p>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<p>&nbsp;<\/p>\n<p>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 <a href=\"http:\/\/floodsmart.gov\">FloodSmart.gov<\/a> (<a href=\"https:\/\/www.floodsmart.gov\/floodsmart\/pages\/faqs.jsp\">https:\/\/www.floodsmart.gov\/floodsmart\/pages\/faqs.jsp<\/a>).<\/p>\n<p><strong>Zappia Insurance and Financial Group<\/strong><\/p>\n<p><strong>Toll-Free 1-800-569-2867<\/strong><\/p>\n<p><strong>Du Bois (814) 371-4901<\/strong><\/p>\n<p><strong>Pittsburgh (412) 265-6383\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; After a lot of rain, have you ever thought about flood insurance and wondered if your home is covered? &nbsp; 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. &nbsp; Flood insurance is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"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"],"_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":0,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/444\/revisions"}],"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}]}}