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Flood Insurance

McClure knows how to protect your property with Flood Insurance in West Springfield, Wilbraham, Chicopee and throughout Western MA.

At McClure Insurance we have offered flood insurance to individuals and families in the Western Massachusetts region for nearly 90 years. We pride ourselves on our comprehensive knowledge of our region, and thus being able to better serve and protect our clients with the appropriate flood insurance options for their needs.

As residents of Springfield MA and the Pioneer Valley, you know how unpredictable it can be to live along the banks of the Connecticut River near it’s confluence of three rivers, the Westfield, Chicopee and Mill Rivers. Our personal insurance specialists will help you understand your flood risk by utilizing FEMA flood determination software.

Here are some of the reasons that you, as a homeowner, should invest in the proper flood insurance:

  • Across the Western part of Massachusetts, there is a greater potential for flooding as a result of both rain and snowmelt.

  • Midwinter or early spring thaws are common in this area, and they are notorious for producing large amounts of runoff that cannot penetrate or be reabsorbed into the still hard, frozen ground.

  • Overflow water from heavy rains or snowmelt often runs into our area’s many lakes, streams and rivers, causing excess water to spill over their banks and into our communities.

  • According to the Federal Emergency Management Association (FEMA), 20% of all flood claims are from moderate to low risk areas.

  • Don’t wait until it’s too late; the standard homeowners insurance policy will not cover flood-related damages.

To have a discussion today with your McClure Insurance agent about adding flood insurance to your homeowners policy, please call us at (800) 982-0929 or fill out the contact form.

What is and is not covered by Flood Insurance?

Generally speaking, here are coverages and gaps in a basic flood insurance policy for your home:

Covered

  • Personal belongings, such as clothing, furniture and electronic equipment

  • Curtains

  • Portable and window air conditioners

  • Portable microwave ovens and portable dishwashers

  • Carpets that are not included in building coverage

  • Clothing washers and dryers

  • Food freezers and the food in them

  • Certain valuable items such as original artwork and furs (up to $2,500)

Not covered

  • Damage caused by moisture, mildew or mold that could have been avoided by the property owner

  • Currency, precious metals and valuable papers such as stock certificates

  • Property and belongings outside of an insured building such as plants, wells, septic systems, walks, decks, fences, seawalls, hot tubs and swimming pools

  • Living expenses such as temporary housing

  • Most self-propelled vehicles such as cars, including their parts

For more information about flood insurance and to ensure you are prepared in the case of a flood emergency, please contact the team at McClure Insurance, (800) 982-0929. Now is the time to ask questions and determine your policy needs.

McClure Insurance is here for you for the long-term.