Click to Call
Great Southern Agency

12111 Spring Cypress Rd
Suite A
Tomball, TX 77377

Get Directions
Featured Insurance Blog

3 Reasons Why You Need Flood Insurance

Water damage is nothing to mess with. Flooding is devastating and often hits with very little to no warning. Even those who are not living in a flood plain need flood insurance.

Why do I need flood insurance, and what does it cover?

If you live near the water, it’s an easy decision to look for good flood insurance. But, what if you are located several miles away from the threat of a hurricane or rising river, like the people of Tomball, TX?

What if I don’t even live in a flood plain. Won’t my home insurance cover flood damage?

Even if you have flood insurance, be sure to understand the terms. Not all water damage is covered. The experts at Great Southern Agency know that the truth is everyone needs flood insurance.

Here are 3 reasons why you need flood insurance.

  1. Protects Property – Your home is probably the most costly investment you have. It only makes sense to make sure it is protected from any damage including flood. Flood insurance will usually cover damage to roofs, walls, floors, and permanent fixtures.
  2. Protects Your Family – Your home should be a place that family members feel safe. If flooding wipes out the house, they will no longer have a home.
  3. Peace of Mind – Some things are more than financial worries. A flood can happen with no warning. Water damage can be devastating destroying everything inside the house. If you are covered with flood insurance, you will never have to worry.

Even if you currently have flood insurance, it may be time to go over your policy to make sure it will cover what you think it covers. Contact Great Southern Agency serving Tomball, TX to get the facts about flood insurance.

What’s NOT covered by my flood insurance?

As a resident of Texas, you aren’t required to purchase flood insurance. However, if you live in a flood zone, it may be a wise investment. It should be noted that if your property is in a high-risk flood zone, your mortgage company may require you to purchase flood insurance as a term in your mortgage. Another reason to consider Flood insurance rests on the fact that flood damage isn’t covered by homeowners or renters insurance policies. Most of us couldn’t afford to replace items that were destroyed or lost in a flood. This is why flood insurance is beneficial for recouping and repairing items that were lost or destroyed in a flood. Although it can cover many things, it’s important to have a fundamental understanding of what’s not covered. Our team at the Great Southern Agency in Tomball, TX is committed to helping people understand flood insurance. This includes understanding what’s not covered as well. 

What Is a Flood?

A flood is defined as excess or an overabundance of water on land that is usually dry. It also applies when the land is two or more acres and affects two or more properties. 

 What’s NOT Covered…

Your National Flood Insurance Program (NFIP) policy covers your physical losses, damage, and the loss of a structure, and your physical belongings within that structure. Although this coverage applies to many things, it doesn’t cover any property or belongings outside of an insured building. This can include trees and plants, as well as septic systems and wells. Walks, decks, and patios aren’t covered, just as fences, seawalls, hot tubs, and swimming pools aren’t covered. Keep in mind that flood coverage can be contextual as well. In other words, the cause of the flood is also a consideration. This means that if a flood occurs due to a human error, it won’t be covered. If you leave the water running in your bathtub and your home floods, it won’t be covered. Conversely, if your sewer backs up and floods due to direct flooding, your insurance will cover the damage. 

Texas Residents Should Note…

Disclosure is required by law. Texas residents are required to reveal information about a home or business that has flooded. This is required by law. Sellers must reveal this information to potential buyers. If you have specific questions about what’s covered or not covered by flood insurance. Give us a call. We’re here to answer all of your questions.