Anywhere It Rains, It Can Flood.

March 11th, 2015


Winter brings with it more than just cold temperatures. Piles of snow, combined with Spring’s warmer temperatures and rain, make a perfect combination for significant flooding. Gunn-Mowery would like to warn residents to prepare now well ahead of rising waters.


Water can inflict severe financial damage and even render a property uninhabitable. Flood insurance can help alleviate that risk, but it’s important to understand its terms and conditions. Too often, people mistakenly think flood damage is covered by a homeowner’s policy. Flood coverage must be purchased separately, and there is typically a 30-day waiting period before a new flood insurance policy becomes effective.


If you’re a renter, you’re probably thinking that you don’t have to worry about flood insurance, right? Not so fast. One does not have to be a property owner to purchase flood insurance – there are also personal property policies available for renters.


In addition to insurance, one can also take simple steps to help minimize risk for large flood losses, like moving electronics and valuables to higher elevations.


Other problems we may see from this winter’s unpredictable weather include falling ice from buildings and bridges, leaky roofs, and roof collapses.


While we may not see flooding today or even this week, the risk is still high for a very wet Spring. It’s important to prepare now so you don’t suffer losses that could have been prevented.


For more information on flood, business, or personal insurance, contact a licensed Gunn-Mowery agent today. We would be happy to discuss your specific situation and work with you to determine if a flood insurance policy makes sense for you.



Lemoyne • Lancaster • Dillsburg • State College