Hurricanes are extremely damaging forces that are not uncommon in Texas.
When purchasing homeowners insurance, many owners worry about the more obvious damage that could happen to their homes while often ignoring the possibility of flooding.
In some parts of the state, every home insurance policy should include flood protection, as well.
An inexpensive flood policy through the National Flood Insurance Program of NFIP can protect private residences when standard homeowners insurance does not coverage this peril.
Flooding Is Unpredictable In Texas
The first place that many people look to predict flooding when purchasing a homeowners insurance policy is the local flood maps.
What they may not realize is that these maps are often quite outdated, making them almost worthless for safely predicting flood zones.
Flooding after Texas hurricanes can happen almost anywhere these days if there is a body of water nearby, including places that are marked as being safe from flooding.
To avoid the possibility of flood damage, home insurance agents recommend that homeowners protect their houses by purchasing supplemental flood insurance through the National Flood Insurance Program.
Homeowners Insurance Policies Exclude Flooding
Another common mistake that property owners make when purchasing homeowners insurance is believing that the standard policy will cover them if their houses are damaged by flooding under any circumstance and especially after a hurricane.
Unfortunately, this is not only incorrect, but it has left many Texas homeowners holding the bill for massive losses to their residences after flooding has occurred because standard home insurance policies specifically exclude flooding.
Regardless of the location of the home, separate flood insurance policies from the National Flood Insurance Program or NFIP are required to protect Texas homes against the damages caused by storm surge flooding or any type of rising water situation.
Watch This Video For More Flood Insurance Information
In this short video Brad Hurt, partner at Service Insurance Group, discusses homeowners insurance and how many homeowners affected by Hurricane Harvey lost everything due to their misunderstandings about flooding and flood insurance.
Supplement Homeowners Insurance For Flood Protection!
Flooding after hurricanes can be devastating for homeowners in certain parts of Texas.
It can be even more so when homes have not been protected with homeowners insurance that excludes flood protection.
For as little as a few hundred dollars per year, any standard home insurance policy can be supplemented with flood insurance that provides coverage should a house be flooded, whether in or out of a known flood zone.
An experienced Texas homeowners insurance agency can help local homeowners make sure they have all the coverage needed, including flood insurance, to protect their home investment should the worst happen!
