Flood insurance is a separate policy, and it is not a part of what is offered on your homeowners’ coverage. Unfortunately, not everyone realizes that. They end up without the coverage they need when a flood takes place, and it is only after the problem occurs that they find out they are not covered. Even if you have a flood policy, though, it may not be giving you what you need. By working with The Shay Agency in Wilkes-Barre, PA, you can find out if you are properly covered, and get the guidance you need to find the right flood policy or make changes to the one you have.

A policy for flood insurance should be based on the risk you have in your location. Not everyone who has flood insurance is in a flood zone, but it can flood anywhere it can rain. What you need from a policy will generally be a little bit different if you are in a designated flood zone, so you want to make sure you are working with an agency and an agent who understands your needs and the location of the property you are getting insurance on. Flood zone maps and designations change periodically, as well, so it is a good idea to have your insurance policy reviewed at least once a year.

When you work with The Shay Agency in Wilkes-Barre PA, you will have the representation you need, along with a flood policy that offers you what you actually require for your location. You can feel safe in the knowledge that you will be protected in case of a flood, and you can also reduce your worry about whether your policy is the right one for you. Having the right agency on your side is a great feeling.