Hurricane season begins June 1, with the experience of Hurricane Harvey still fresh on Texans’ minds. The Texas Department of Insurance is urging homeowners to review your insurance policies and consider flood insurance if you don’t already have it. No matter where you live.
According to the department of insurance, there were more than 2.5 million residential policies in force in counties affected by Harvey, but only about half a million flood policies
Flash floods are the most common natural disaster in Texas. Most home and commercial policies do not cover flood damage. You'll need a separate flood policy, usually from the National Flood Insurance Program (NFIP). These flood insurance policies typically have a 30-day waiting period before coverage takes effect.
Make sure your insurance is ready for storm season:
· Review your existing home coverage. Make sure the policy limits would be enough to replace your home and property in the event of a disaster.
· Call us to obtain a quote or go to our website at www.getagreatquote.com/research-center/flood-insurance or CLICK HERE to see sample rates
· If you live along the Texas or Louisiana coast, review your windstorm coverage.
· Make a home inventory and a disaster preparation guide (CLICK HERE for Information) Having a detailed list of your property will help speed the process of making an insurance claim after a covered loss.
· Review your Homeowners Insurance and auto insurance. If you have comprehensive coverage it could pay for damage caused by hail or flooding.
Above all, stay safe and do not attempt to drive through running streams or creeks. It only stakes a small amount of water to cause your vehicle to lose control and be swept away by moving water. If we can help in any way, please do not hesitate to call us at 800-3620-2809.
Below is a picture of some of the ABM Team helping neighbors clean up from damage created by Hurricane Harvey - We sure hope our community never has to experience this again- but we know what can happen.......