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Now's a Good Time To Offer Your Clients Flood Insurance

Snow melts and spring brings rain. These are two reasons to consider buying flood insurance. Large areas of the country are experiencing record-shattering snowstorms, especially...
February 17, 2010

Snow melts and spring brings rain. These are two reasons to consider buying flood insurance. Large areas of the country are experiencing record-shattering snowstorms, especially in the northeast and the south. All of that snow will eventually melt, adding to water tables as the rainy season begins, followed quickly by the start of the hurricane season.

With all this water around and more sure to follow, this is a good time to remind your clients about flood insurance, even if their property is not in a designated flood plain requiring coverage.

The standard homeowner's policy does not cover property and possessions in the event of a flood. Just a few inches of flood water can cause thousands of dollars in damage. Flood insurance covers the direct physical losses caused by floods, flood-related erosion, severe rainstorms, flash floods and mudslides. There is, however, a 30-day waiting period before the policy takes effect.

Don't Sell Flood But Want To? The Hartford and PIA have joined together to provide PIA member agents in all 50 states, the District of Columbia and Puerto Rico the opportunity to offer their customers flood insurance through The Hartford, a WYO company. The program, managed by Hartford subsidiary Trumbull, features an easy enrollment process, competitive commissions, advanced Internet services, plus a variety of programs and surplus lines. For more information or to enroll, contact Karen Piacenta of The Hartford at (860) 757-1984 or karen.piacenta@thehartford.com.

Official Site of the NFIP

PIA-Hartford Flood Insurance Program