Texas Flood insurance coverage

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Flood insurance coverage

Flood Insurance

If you are flood smart, then you probably know that we all are at risk of a disaster. You also understand that homeowners' insurance does not cover damage made by floods. In Texas, you don't have to be close to a water body to face the wrath of floods. Floods are caused by a wide range of elements like hurricanes, storms, overloaded water backups, dam & levee failure, and melting snow. At Kathye Carpenter Agency, LLC, we help Texans prepare themselves in case of floods by buying flood insurance.

What is flood insurance, and do I need it?

Flood insurance is a unique type of coverage that protects your dwelling and contents from loss or damage by floodwater after a flooding event. You can purchase flood insurance for both residential and commercial properties. Floods, including flash floods, inland flooding, and storm floods, occur in every region across the United States, according to the Federal Emergency Management Agency (FEMA). So, whether you live in the upper or lower Texas, you are still at risk of getting flood damage.

What is covered?

Like we mentioned earlier, flood insurance protects your home and its contents from damage caused by floodwater. It is a dwelling coverage and contents coverage.

Building coverage includes:

  • Water heaters and furnaces
  • Appliances like dishwashers and refrigerators.
  • Permanent carpet
  • Permanent cabinets, and paneling
  • Detached garage
  • Plumbing and electrical systems

Content coverage includes:

  • Washer and dryer
  • Personal items like clothes, shoes
  • Furniture and electronics
  • Air conditioners and carpets
  • Valuable items like artwork
  • Curtains

It is essential to note that flood insurance only covers damage caused directly by floods. So, if you left your taps open and the water flooded your home, flood insurance may not include the damage that this water may cause. The damage caused by a sewer back up is only covered if the backup is directly resulting from floods.

Are you looking to buy flood insurance? Kathye Carpenter Agency, LLC can help you find coverage that best fits your needs and budget. Try us today!

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