Do you need flood insurance?

Have you ever checked your home insurance policy to see if you are covered, if there is flood. Chances are, probably not right? You might be thinking you never get that much water for a flood to happen. However, if it rains, it can flood too. The biggest example are – homes that were flooded by Hurricane Harvey were actually outside the elected flood zones.

State of Texas is mainly disposed to floods. Almost every major city is the state of Texas is an area at high risk of flooding. The National Flood Insurance Program(NFIP) provides insurance to property owners and businesses at affordable rate. An NFIP policy in Texas covers- Standard home system, Personal Property, foundation and detached garage. However, you do want to make sure to read all the exclusions. Another important factor is the 30- day waiting period before kicking in – hence it’s better to not wait for a disaster to occur.

Talk to your home insurance agent today and get your policy reviewed for flood. If your agent does not sell flood insurance, you can call 1-800-427-4661 for assistance.

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