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Flood Insurance

Understanding Flood Insurance

If you are a resident of Houston Texas, then you understand that flooding can occur at any time. The truth is, anywhere it rains, it can flood. Hurricanes and heavy rainfall could easily become a homeowners worst nightmare, but other seemingly less harmful items such as outdated drain systems or fast melting snow and hail could also result in flooding. Protecting your family and home with a flood policy is the only way you can assure your biggest asset can recover after the storm.

Defining your flood risk

Did you know that floods are the #1 natural disaster in the United States? In high-risk areas, there is at least a 1 in 4 chance of flooding during a 30-year mortgage. In moderate-to-low risk areas, the risk of flooding is reduced but not completely removed. You should always keep in mind that even if your area has no history of flooding, changes in the environment, clogged drains, and aging levees could change your circumstances overnight.

Since there is typically a 30-day waiting period on a new flood insurance policy it is wise to contact your agent before bad whether occurs to ask about flood coverage. Some questions you may want to ask your agent in regards to your flood coverage are:

  • Am I in a high risk flood zone?

  • Should I consider flood coverage if I am a condo owner or renter?

  • Does flood coverage protect my vehicles as well?

  • Will flood insurance cover my entire home?

  • Will my policy pay replacement cost?

We are here to answer your questions and help you understand the fine print. Talk to your XpressQuote agent today about a flood policy.

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