Flood Insurance Quote Forms
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Flood Insurance Information
Did you know that just an inch of standing water in your property can cost more than $25,000 in damage? What’s more, damages caused by flooding are typically not covered under an existing homeowners insurance or commercial property policy. If you live in a Texas community prone to flooding, it may be wise to consider purchasing a flood insurance policy.
Reach out to the Ed Weeren Insurance Agency today to learn more about how flood insurance could help you.
What Is Flood Insurance?
Flood insurance is a type of insurance policy that provides coverage for damages caused by flooding. This type of insurance is essential because most homeowner’s insurance policies do not cover flood damage. Flood insurance can help protect you financially if rising water, flash floods, mudflows, and other flood-related disasters damage your property.
What Does Flood Insurance Cover?
Flood insurance can cover a range of damages caused by flooding. Although policies vary, the standard flood insurance policy may include the following coverages:
It is important to note that flood insurance policies have certain limitations and exclusions. For example, they typically do not cover damages caused by sewer backups or negligence. Additionally, there may be a waiting period (usually 30 days) before your flood insurance policy becomes effective, so purchasing flood insurance well before any potential flooding event is essential. Generally, if you wait until a storm is forecasted, it’s typically too late to get coverage.
- Building coverage—This may provide repair or replacement payments if your building, its permanent fixtures or other vital structural elements (e.g., the plumbing and electrical infrastructure) are damaged or destroyed by a covered flooding event.
- Contents coverage—This may provide financial assistance if a covered flooding event damages or destroys the movable items inside of your home (e.g., furniture, clothing, electronics and portable applicable).
How to Get Flood Insurance
If you’re in need of a flood insurance policy or want to explore if you have the maximum flood insurance coverage possible for your situation, Ed Weeren Insurance Agency is here to help. Reach out to us today to discuss your flood insurance needs and what your insurance options may be.