What to know about flood insurance/While Reason Slept

• By Scott LaMar, Executive Producer

What to look for on Smart Talk Tuesday, December 18, 2018:

The year 2018 will go down as one of the wettest on record in South Central Pennsylvania. The region received between 10-to-15 inches of rainfall above the average for the last 12 months. 

More rain and several significant rain events resulted in more homes being damaged by water. Whether it was a flooded basement, a damaged foundation or leaking roof, the rain took its toll on many structures. Unfortunately, some homeowners discovered after it was too late that their homeowner’s or renter’s insurance policies didn’t cover the damage caused by water. 

They needed flood insurance even if they didn’t live near a body of water. 

Flood insurance is one of the most misunderstood forms of insurance and with an average yearly premium of $700, it can be one of the most expensive.

We discuss what you need to know about flood insurance on Tuesday’s Smart Talk with Jim Enders, Vice President of Enders Insurance in Dauphin County.

Also, in his new book While Reason Slept, Thomas Brier Jr. (a Hershey native) tells the story of the nation’s founding principles and how the men who wrote the Constitution envisioned government for the common good.  He writes that the Constitution has been eroded by self interest, consumerism and propaganda.

Thomas Brier appears on Tuesday’s Smart Talk.