A flood can cause devastating damage to a home. Flood damage isn't covered under home insurance policies, which is why flood insurance is essential. Jagwan Insurance & Financial Services can help you find a policy that's right for you.
Texas doesn't mandate that homeowners carry flood insurance, but mortgage companies may require borrowers to obtain insurance if they're purchasing a home in a flood zone. However, even homeowners that aren't required to have flood insurance need a policy that protects their home.
Why You Need Texas Flood Insurance
Flooding is unfortunately common in Texas, even for homes that aren't within a flood zone. It can happen suddenly, and a home can flood even if it's not near a body of water. Even a few inches of water can cause structural problems, electrical damage, mold, and other problems.
While you can't control the weather, you can ensure that your home has the protection it needs. Flood policies typically have a 30-day waiting period, so you shouldn't wait to buy coverage.
What Does Flood Insurance Cover In Texas?
Flood insurance can provide coverage for damages and losses directly caused by flooding. This includes direct damage to your home and belongings inside the house that were destroyed in a flood. A policy may cover damage to:
- Kitchen Appliances
- Washer & dryer
- Plumbing systems
- Water heaters
- Foundation walls
- Kitchen cabinets
- Personal items and valuables
When you purchase flood insurance, you'll be able to decide on the level of coverage that you need. Without coverage, you'll be fully responsible for any damage during a flood. Flood coverage is a wise investment even if you're not in a flood zone.
Flooding is a severe risk to homeowners in Texas. Any flooding can be extremely damaging to your home, so you should ensure your household is protected. Contact Jagwan Insurance & Financial Services today for a free flood insurance quote.