Flood Insurance
Texas Flood Insurance
Many homeowners are surprised to learn their homeowners insurance policies don’t cover flooding events. That’s right: Most homeowners policies won’t cover flood damage.
This fact puts Texas residents—so many of whom live on or near Gulf Coast floodplains—in a tricky position. For such homeowners, adequate flood insurance isn’t optional; it’s a necessity.
How Does Typical Home Insurance Define ‘Flooding?’
If a pipe in your home busted and flooded your floor, would it be considered a “flooding event” and thus, not reimbursed by your homeowner’s policy? Or would it be covered?
If you answered, “Yes, this event should be covered under my home insurance policy” (or something similar), you’re correct. A flooded floor or other water damage to the home caused by a busted pipe (or even a malfunctioning appliance) would likely be covered by a typical homeowners insurance policy.
What kinds of events then, are classified as “flooding” and are thus not covered under a standard home insurance policy? Obviously, a heavy rainfall event wherein water rose into your home would be considered flooding.
However, other kinds of damage classified as “flood damage” under standard home insurance and flood insurance policies aren’t quite so obvious. In other words, your house doesn’t need to flood with rainwater to sustain “flood damage.” As specified in typical homeowners and flood insurance policies, flood damage also includes:
- • Rain damage
- • Storm surge damage
- • Mud damage
It’s a guarantee that your existing home insurance (or any home policy you’re considering for purchase) won’t cover the above events.
What type of Flood Insurance Do I Need?’
NFIP flood insurance policies come in two types:
Standard Flood Insurance
These policies are designed for residents who live in communities with an active and ongoing flood management plan. Such communities must also be able to demonstrate that they have enacted certain NFIP guidelines to reduce flood-based damages.
Preferred Risk Flood Insurance
These flood policies are designed for residents living in low-to-moderate risk zones. Such residents aren’t necessarily required to purchase flood insurance, but have this option in case they experience a small flood or even an unexpectedly large one.
Your Auto Insurance Agency for Multiple Coverage Types
In addition to standard and non-standard car insurance, at David Coufal, we also offer coverage for:
- • Classic cars
- • RVs
- • Motorcycles
- • Boats & other watercraft
David Coufal Insurance Agency: Making Comprehensive Coverage Comprehensible
If you already carry coverage from another auto insurance agency, you may not be sure what coverages you have, in what amounts, or about how those coverages work. Your current auto policy may not provide you with the best or most appropriate coverages for your situation.
At David Coufal Insurance, we believe that a truly comprehensive car insurance policy is 100% comprehendible to the policyholder. We write each policy from that philosophy, but if you’re unsure about something, ask us. We’d even be happy to take a look at your current policy and see if you have appropriate coverage.
We’re here to answer your questions—all of them—because we want you to make informed decisions about car insurance. We won’t finalize any policy until we’re certain everything’s crystal clear.
David Coufal Insurance Agency Sells FEMA Flood Insurance
If you’re shopping for flood insurance, we’d love to hear from you! As an NFIP-Direct-affiliated agency, we can help you find and purchase an appropriate flood insurance policy.
We’re glad to speak with you about flood insurance and to answer all your questions too. For a free flood insurance quote, call David Coufal Insurance Agency today at 254-986-2448! Or go to our contact page for free online flood insurance quote.
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