Flood insurance is critical if you live in a flood zone. Rick Tinker can help you with flood insurance in Pasadena TX, Webster TX, Galveston, Houston, League City and the Texas Gulf Coast. Even if you don’t live in a flood plain, does not mean you are not at risk. Weather patterns are changing, and storms are becoming more severe. What might not have been a big risk some years ago, might well be one now.
When it comes to flood insurance, you don’t want to wait till it too late. Just because you have a home insurance policy does not mean you have flood insurance. Most home insurance policies specifically exclude flood insurance. Most insurance companies perceive the risk of flood damage to be too pervasive and too great. That is why they shy away from flood insurance. If insurance companies see the risk, shouldn’t you?
Flooding is a real and on-going problem in the Texas Gulf Coast region. Hurricanes and storm surges can inflict massive damage over large areas. Not only can a category 5 hurricane destroy your home, it can destroy your business. Rick Tinker can help you with the right flood insurance to cover your home and your business. Even if you live inland you still face risks in the form of flash floods, heavy downpours, windstorms and hail. Flash floods cn be just as damaging as storm surges.
You need to get separate flood insurance. It is not part of your standard homeowner’s policy. One option is the NFIP (National Flood Insurance Program). This program is managed by FEMA and they enforce flood plain ordinances. There is a 30-day waiting period, so you don’t want to leave it to the last minute. Rick Tinker can help you with the right flood insurance as well as related windstorm and hail insurance.