Pa. Insurance Commissioner Reminds Consumers To Consider Flood-Insurance Protection

Apr 25, 2001, 01:00 ET from Pennsylvania Insurance Department

    HARRISBURG, Pa., April 25 /PRNewswire/ -- Pa. Insurance Commissioner Diane
 Koken today reminded Pennsylvanians to consider buying flood insurance to
 protect their homes and businesses.
     "Many consumers assume that, if they don't live near a creek or a stream,
 they won't experience flooding.  Unfortunately, you can't assume that,"
 Commissioner Koken said.  "And since spring showers do bring more than spring
 flowers, this is a timely reminder for people to be prepared in case waters
 rise."
     Many of Pennsylvania's communities are built on floodplains, making the
 Commonwealth more vulnerable to flooding, according to the Pennsylvania
 Emergency Management Agency.  Pennsylvania has more than 50,000 miles of
 rivers, streams and creeks.
     Excessive rain, inadequate drainage or dam failure may cause thousands of
 dollars in damage.  Commissioner Koken stressed that homeowners and business
 owners should discuss flood insurance with their agents.
     "Standard homeowner policies do not include coverage for flood damage,"
 Commissioner Koken said.  "And there's a 30-day waiting period before a policy
 becomes effective.  The sooner you get coverage, the better."
     Flood insurance is available throughout Pennsylvania to homeowners and
 businesses in communities that participate in the National Flood Insurance
 Program.  The insurance can be purchased for any insurable property, including
 rental property and condominiums, even if it is not in a floodplain.
     Flood-insurance policies insure against damages due to:
 
     -- The partial or complete flooding of normally dry land from the
         overflow of inland or tidal waters;
     -- Unusual and rapid accumulation of runoff of surface waters from any
         source;
     -- Mud slides or mudflows that are caused by flood; and
     -- The collapse or destabilization of land along the shore of a lake or
         other body of water, resulting from erosion, waves or water currents
         exceeding normal cyclical levels.
 
     Damage from sewer backup is covered only if it is caused directly by
 flooding.
     For information about flood insurance, consumers can contact the NFIP at
 1-888-CALL-FLOOD, Extension 304; access the Internet at www.fema.gov/nfip; or
 talk to a licensed insurance agent.
     Consumers also may obtain information by logging onto the Pennsylvania
 Insurance Department website, through the PA PowerPort at www.state.pa.us or
 directly at www.insurance.state.pa.us, or by calling the department's Bureau
 of Consumer Services at:
 
     -- Toll-free automated consumer hotline     1-877-881-6388;
     -- Harrisburg Regional Office               (717) 787-2317;
     -- Erie Regional Office                     (814) 871-4466;
     -- Philadelphia Regional Office             (215) 560-2630; and
     -- Pittsburgh Regional Office               (412) 565-5020.
 
     CONTACT:  Melissa Fox, Deputy Press Sec. of the Pennsylvania Insurance
 Department, 717-787-3289.
 
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SOURCE Pennsylvania Insurance Department
    HARRISBURG, Pa., April 25 /PRNewswire/ -- Pa. Insurance Commissioner Diane
 Koken today reminded Pennsylvanians to consider buying flood insurance to
 protect their homes and businesses.
     "Many consumers assume that, if they don't live near a creek or a stream,
 they won't experience flooding.  Unfortunately, you can't assume that,"
 Commissioner Koken said.  "And since spring showers do bring more than spring
 flowers, this is a timely reminder for people to be prepared in case waters
 rise."
     Many of Pennsylvania's communities are built on floodplains, making the
 Commonwealth more vulnerable to flooding, according to the Pennsylvania
 Emergency Management Agency.  Pennsylvania has more than 50,000 miles of
 rivers, streams and creeks.
     Excessive rain, inadequate drainage or dam failure may cause thousands of
 dollars in damage.  Commissioner Koken stressed that homeowners and business
 owners should discuss flood insurance with their agents.
     "Standard homeowner policies do not include coverage for flood damage,"
 Commissioner Koken said.  "And there's a 30-day waiting period before a policy
 becomes effective.  The sooner you get coverage, the better."
     Flood insurance is available throughout Pennsylvania to homeowners and
 businesses in communities that participate in the National Flood Insurance
 Program.  The insurance can be purchased for any insurable property, including
 rental property and condominiums, even if it is not in a floodplain.
     Flood-insurance policies insure against damages due to:
 
     -- The partial or complete flooding of normally dry land from the
         overflow of inland or tidal waters;
     -- Unusual and rapid accumulation of runoff of surface waters from any
         source;
     -- Mud slides or mudflows that are caused by flood; and
     -- The collapse or destabilization of land along the shore of a lake or
         other body of water, resulting from erosion, waves or water currents
         exceeding normal cyclical levels.
 
     Damage from sewer backup is covered only if it is caused directly by
 flooding.
     For information about flood insurance, consumers can contact the NFIP at
 1-888-CALL-FLOOD, Extension 304; access the Internet at www.fema.gov/nfip; or
 talk to a licensed insurance agent.
     Consumers also may obtain information by logging onto the Pennsylvania
 Insurance Department website, through the PA PowerPort at www.state.pa.us or
 directly at www.insurance.state.pa.us, or by calling the department's Bureau
 of Consumer Services at:
 
     -- Toll-free automated consumer hotline     1-877-881-6388;
     -- Harrisburg Regional Office               (717) 787-2317;
     -- Erie Regional Office                     (814) 871-4466;
     -- Philadelphia Regional Office             (215) 560-2630; and
     -- Pittsburgh Regional Office               (412) 565-5020.
 
     CONTACT:  Melissa Fox, Deputy Press Sec. of the Pennsylvania Insurance
 Department, 717-787-3289.
 
                     MAKE YOUR OPINION COUNT -  Click Here
                http://tbutton.prnewswire.com/prn/11690X46956952
 
 SOURCE  Pennsylvania Insurance Department