All About Flood Insurance in The Texas Gulf Coast and Houston, TX

Posted on: February 17th, 2014

Who Should Apply For A Flood Insurance?

All of us… of course. Even if you’re not living in a risky area that has been prior subjected to floods and water overflows, you should get flood insurance. Maybe your upstairs neighbor forgot to turn down the water and, while you and he are at work, your apartment suffers serious damages. That’s when you most need a reliable insurance.

Flood Insurance Myths and Facts

“People who live on top of the hill don’t need flood insurance.” Not true, according to national authorities, and just one of the many myths surrounding the insurance field. When it comes to flood insurance, not having the facts can literally cost you your life’s savings. Owners of both homes and businesses need to know the flood insurance myths and facts.

1. Myth: You can’t buy flood insurance if you’re in a high-flood-risk area

Fact: If your community participates in the National Flood Insurance Program (NFIP), you can buy     National Flood Insurance no matter where you live.

2. Myth: You can’t buy flood insurance immediately before or during a flood.

Fact: You can buy a flood Insurance anytime – but the policy isn’t effective until a 30-day waiting period after the first premium payment.

3. Myth: Homeowners insurance policies cover flooding.

Fact: Most home and business “multi-peril” policies do not cover flooding. Homeowners can include personal property coverage in their insurance and business owners can buy flood insurance coverage for their buildings, inventory and contents.

Myth: If you do not live in a high-flood-risk area, you do not need flood insurance.

Fact: All areas are susceptible to flooding. Studies have shown that nearly 25 percent of the flooding claims come from outside high-flood-risk areas.

And the list could go on…. Though, what is the essential part of all this? Remember: Brazoria, Friendswood, Galveston, Houston, League City, Pearland, Texas gulf coast- and many other locations can be possible flooded  areas. Get your insurance and have a peaceful night!

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