Why Do I Need Texas Flood Insurance?
Texas Flood Insurance is often overlooked by many people in protecting their home. Floods are the most common and most destructive natural disaster in the United States! Of all of the natural disasters in the United States ninety percent of them involved flooding. Many people make the mistake that their homeowners insurance would cover them in the event of a flood. That is simply not true. Texas Flood Insurance is a specialty policy that needs to be purchased separately.
Who Needs Texas Flood Insurance?
Texas flood insurance is needed if your home is in a high-risk flood zone, generally flood insurance coverage would most likely be required by your mortgage lender at the time of purchase. For those outside high-risk flood zones, coverage is optional.
Floods can occur anywhere and at anytime, surprisingly a high number of flood claims come from homeowners who live outside of designated high-risk flood areas. In fact, most recently a majority of the Houston-area homes that were damaged by the floods in the wake of Hurricane Allison were outside of the FEMA-designated flood zones.
What Does Flood Insurance Cover?
Purchasing flood insurance will help protect the things you value. The NFIP offers two types of coverage – building coverage and contents coverage – to protect your home and belongings. Here are examples of what’s covered with NFIP flood insurance:
Building Items
- Foundation walls, anchorage systems, and staircases.
- Water tanks and pumps
- Electrical and plumbing systems
- Furnaces and water heaters
- Refrigerators, cooking stoves, and built-in appliances like dishwashers
- Permanently installed carpeting
- Permanently installed cabinets, paneling, and bookcases
- Window blinds
- Detached garages
- Fuel tanks well
- solar energy equipment
Personal Contents Coverage
- Clothing
- Portable and window air conditioners
- Furniture, and electronic equipment
- Curtains
- Washer and dryer
- Microwave oven
- Carpets not included in building coverage (e.g., carpet installed over wood floors)
- Valuable items such as original artwork and furs (up to $2,500)
Texas Flood Insurance Resource
Your Texas flood policy is about financial protection. For most people this the purchase of their home represents the single largest personal investment that a family will make. It only makes sense to protect your investment and memories with a Texas Flood policy. Protect the home that you worked so hard for with a Texas Flood Policy. Having the right flood policy will not only give you financial security but will all you to be confident that should something happen you will have coverage for the occurrence. ConXis Insurance Services is happy to review your coverage. If you would like to schedule a free consultation please contact us at 469-844-7777.
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