Floods are the most common type of natural disaster. New York state and Pennsylvania are certainly not exempt from them!
Flood and similar causes of loss are excluded from most policies such as your homeowners and business insurance policies. Therefore, it is recommended that you look into getting flood insurance to cover a range of water related causes of loss.
We represent insurers that offer WYO flood insurance policies so that you have choices. Even though the government regulates the basic flood policies, not all insurers are created equal. So, it does pay to shop and get this important coverage from an insurer that you are comfortable with.
We can also help you with private and excess flood insurance options that provide more coverage than you can get in a standard NFIP flood insurance policy. There are many options to choose from. We suggest that you contact us to help you through choosing the best coverage to fit your needs. You may use the Shop Flood Insurance link below to get a sample premium indication. Then contact DRickard Insurance and we can explore even more options for you.
Sometimes the way your flood insurance coverage has been configured may decrease your benefits. Please contact us at 607-843-8860 or insurance@drickardinsurance.com so that we may review your need and design an insurance package to fit you. Keep in mind that businesses, renters, and homeowners all need flood insurance.
Contact us at insurance@drickardinsurance.com or 607-843-8860 for more information.