Homeowner, condo and renter policies do not cover losses to your home or belongings in the event of flooding.
Floods don’t just happen in flood-designated areas. In fact, 20% of property losses occur outside a flood zone. Don’t take the risk of losing your property to this common threat. Just a few inches of water in your home can cause damage that will cost thousands of dollars to repair. Talk to your Policy Agent flood insurance expert about flood insurance today.
Call us for a quote or questions regarding flood Insurance at 713.369.0997
WHY FLOOD INSURANCE ?
- A homeowner or renter insurance policy does not cover flood damage.
- You don’t have to live near a body of water to get flooded—heavy rains are often the cause of flooding.
- Floods and flash floods happen in all 50 states.
- Flood insurance costs less than you think.
- Just an inch of water can cause more than $25,000 of damage to your property.
- If you don’t live in a designated flood zone, your rates will be lower.
WHAT’S INCLUDED IN FLOOD INSURANCE
Home coverage
Personal property
- Your home and its foundation
- Electrical and plumbing systems
- Air conditioning, furnaces and water heaters
- Kitchen appliances
- Flooring
- Bookcases and cabinets
- Window blinds
- Debris removal
- Clothing, furniture and electronic equipment
- Window coverings
- Window AC units
- Portable microwaves and dishwashers
- Carpets not covered by your building policy
- Dishwasher, washer, dryer and microwave ovens
- Freezer and food spoilage
- Up to $2,500 in art, jewelry and furs
THE NATIONAL FLOOD INSURANCE PROGRAM AND FEMA
The definition of a flood per the National Flood Insurance Program and FEMA is:
A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least one of which is the policyholder’s property) from:
- Overflow of inland or tidal waters
- Unusual and rapid accumulation or runoff of surface waters from any source
- Mudflow
Source: floodsmart.gov
