Flood Insurance in Texas

Flooding in some areas can be pretty well expected. Large patches of flat land with clay in the ground will puddle rapidly during constant rain. A consistent downpour can make a creek’s increasing water level almost steady enough to watch like a sunrise. However, it’s the way flooding can happen in places where it is unusual that it will catch most people off guard. The Integrity Advisors Agency, LLC, of the San Antonio, TX area, can help Texas residents be protected from the damage of a surprise flood.

Is Flood Insurance Required of a Texas Policy?

No. This is why so many renters and homeowners experience a total loss if a flood strikes. Once flooding hits the interior of a home, it isn’t a matter of just what possessions get ruined, but the foundation of the entire property can be compromised. A flood can render a new house uninhabitable, with repair and renovation costs that rival building a new home.

Note - flooding doesn’t void a mortgage just because the house is no longer inhabitable. This is only one way a flood can devastate a homeowner.

What Does Flood Insurance Cover?

First and foremost, Flood Insurance is specific to damage caused by a natural flood. A renovation resulting in a burst pipe that floods the bathroom does not count. A Texas policy can be customized to add extra protection, but the basics usually covered include:

  • Standard Home Systems. Electric systems, plumbing, HVAC, etc.
  • Appliances and Personal Property. This covers non-attached items that are purchased and kept in the house, such as clothing, furniture, and electronics.
  • Foundation and Support. Foundation as well as the solid structures such as staircases that are built into the house.

Should I Get Flood Insurance?

If you are wondering whether or not Flood Insurance coverage might be right for your needs, our professionals at the Integrity Advisors Agency, LLC, of the San Antonio, TX area, can help. Please contact us for an appointment today!

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