FROM THE PENNSYLVANIA EMERGENCY MANAGEMENT AGENCY
ABOUT FLOOD INSURANCE
BUILDING COVERAGE PROTECTS YOUR:
- Electrical and plumbing systems
- Furnaces and water heaters
- Refrigerators, cooking stoves, and built-in appliances like dishwashers
- Permanently installed carpeting
- Permanently installed cabinets, paneling, and bookcases
- Window blinds
- Foundation walls, anchorage systems, and staircases
- Detached garages
- Fuel tanks, well water tanks, pumps, and solar energy equipment
CONTENTS COVERAGE PROTECTS YOUR:
- Personal belongings such as clothing, furniture, and electronic equipment
- Curtains
- Washer and dryer
- Portable and window air conditioners
- Microwave oven
- Carpets not included in building coverage (e.g., carpet installed over wood floors)
- Valuable items such as original artwork and furs (up to $2,500)
Items not covered by building or contents coverage:
- Temporary housing and additional living expenses incurred while the building is being repaired or is unable to be occupied
- Property outside of an insured building. For example, landscaping, wells, septic systems, decks and patios, fences, seawalls, hot tubs, and swimming pools
- Financial losses caused by business interruption
- Currency, precious metals, stock certificates and other valuable papers
- Cars and most self-propelled vehicles, including their parts
- Personal property kept in basements
Common Flood Insurance Myths
- You can’t buy (or you only need) flood insurance if you are located in a high-risk flood area
- Homeowners' insurance policies cover flooding (Not unless you purchased a separate rider)
- You can’t buy flood insurance if your property has been flooded
- Flood insurance can only be purchased through the NFIP directly
- The NFIP does not offer any basement coverage
- Flood insurance is only available for homeowners (renters can buy contents policies)
- You can purchase flood insurance immediately before or during a flood.
- Federal disaster assistance will automatically pay for flood damage. (Average payout $4,500)
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CUMRU TOWNSHIP IS A MEMBER OF THE
BERKS COUNTY MS4 STEERING COMMITTEE
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What is an illicit discharge?
- Illicit discharge is any flow of pollutants or non-stormwater material allowed to enter the storm sewer systems (including swales) from overland flows or direct dumping of materials into a catch basin.
- Examples of illicit discharge include: chemicals, dirt from construction, overuse of fertilizers and peticides.
If you see an illicit discharge, you may fill out the form at this link and send it to the Township.
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