We have flood insurance coverage on our minds. Yesterday, we felt the anxiety rising up from the coast of Texas along with all the evacuating vehicles headed north on 45. Today, we see what the daylight brought in the aftermath of rising water.
As the hurricane approached, we wondered how many have proper flood insurance due to their mortgage lender requiring it. We also wondered how many took advice to get proper flood insurance even if their home does not sit in a flood plain.
Covering Hurricanes and More
You don’t need an impending hurricane bearing down on you in order to think about flood insurance. Separate from home and dwelling insurance, flood insurance protects against rising water from rivers, lakes, streams and ponds during high rainfall. Since 1 out of 5 (20%) of flood insurance claims (not counting those without flood coverage) come from low to moderate flood zones, it’s safe to assume you don’t need to live on the coast in order to make a case for coverage.
Better Late Than Never
Because of a 30-day waiting period before your flood policy takes effect, if you don’t have proper coverage, you have to ride out the storm and hope for the best. We’re here to make certain the next time a hurricane or tropical storm makes landfall, you can rest easy knowing you can rise above any potential flood. We also want to make certain you are covered for other potential flood situations.
Get Flood Insurance Coverage
Let Insurance For Texans help you with questions about flood insurance. You want to know what protected property you have in case the water rises. You’ll also want to know the difference between what qualifies as flood damage vs. storm damage in the event you need to file a claim.
Stay safe, Texas.