While fire insurance is generally presumed to be part of a homeowners insurance plan, flood insurance is almost always separate. Flooding hazards cover any exterior water damage to your home, whether it’s from a light rain or a hurricane.
Texas is particularly vulnerable to unexpected weather. If you want to protect your property, you need private flood insurance in Texas. Here’s how to get it.
Is Your Home in Danger of Being Flooded?
Any home can be flooded. Floods are identified as water damage to your property from an external source. If your plumbing backs up, it’s covered under homeowners insurance. If water accumulates around your house during rain and ends up causing mold and mildew issues in your basement, that’s flood damage.
Even if you aren’t in a flood-prone area, it’s still possible that your home can flood. With weather patterns being erratic, areas that were not previously in a high flood area can be in a high flood area now. Flood plains change quickly. Your flood risk may not be what you think it is.
When a flood does occur, there’s little that you can do to protect your property. Water can rarely be rerouted, and during intense flooding, evacuations are often called for. The only way to protect your home against flooding is to have the proper insurance beforehand.
How Do You Get Flood Insurance?
You can get flood insurance through your home insurance agent, or through a separate agency entirely. First, you’ll need to make a decision: do you want to insure only your property, or your property and your possessions? Both are available; it’ll cost more to insure your possessions, too, but your homeowners policy won’t cover your possessions during a flood.
Some companies sell homeowners insurance but don’t sell flood policies. In this situation, you may need to change home insurance companies or go with a company that specializes in selling flood insurance. You don’t have to go through your homeowner’s insurance company to get flood insurance. Often, you can get a better deal with a specialized company.
From there, your floor insurance will protect you in the event that there is a flooding disaster in your area. However, policies usually take 30 days to kick in, so you should get flood insurance as early as possible. You don’t want to sign up for flood insurance when a flood is approaching, but you should sign up for it before the next flood season.
Floods cause a tremendous amount of damage. Even a minor flood can lead to having to replace your floors and drywall, as well as mitigating mold and mildew which can grow afterward. You can protect your home by obtaining flood insurance today.
About Transparity Insurance Services
Transparity Insurance Services was founded for the purpose of helping clients to ensure their property and assets with no hassle. We are committed to providing a simple, easy, efficient, and positive experience to all of our clients, and prioritize open and transparent communication with our clients. Through our excellent customer service and technology, we can help you to find the right insurance program at a competitive price. Contact us today at (855) 889-2037 to learn more about what we can do for you.