Flood risk in Texas is real and its high. You could lose your home if you don’t have flood insurance. The problem is that most home owner’s policies don’t include flood insurance. You need to get that separately. Rick Tinker can help you with flood insurance in Pasadena TX, Webster TX, Galveston, Houston, League City or the Texas Gulf Coast.
Texas is prone to severe weather conditions and severe weather damage is a real threat. You can afford to be without special coverage that includes severe weather insurance, windstorm insurance and most importantly, flood insurance. Storms such as hurricanes are becoming more severe and more frequent. Whether you believe in climate change or not, is not the main issue. The main issue is that you need proper home insurance, including flood insurance.
Just because you have a homeowner’s policy does not mean you have flood insurance. Most insurance companies shy away from flood insurance, simply because the risk is too big. In fact the problem was already identifies many years ago when congress drafted the National Flood Insurance Program (NFIP). Currently the Federal Emergency Management Agency (FEMA) manages the NFIP, and works with almost 20,000 communities across the country to enforce floodplain management ordinances.
You can get flood insurance from the NFIP. There is a 30-day waiting period, so you don’t want to wait until the next hurricane makes landfall. Rick Tinker can help you with the right flood insurance as well related insurances solutions. They have policies that might be better than those you can get from the TWIA or other bodies.
Your home is your castle and place of safety. A severe flood can take that all away. The only way to recover and rebuild is too have reliable home insurance, windstorm insurance and flood insurance.