Are You Covered if There's a Flood?

National Flood Insurance Program urges that—everybody ought to have flood protection, particularly in case you're in a territory that has a high flood risk. You may even be required to have some kind of flood protection in case you're at high risk.

Here's the reason the National Flood Insurance Program (NFIP) prescribes surge protection to everybody:

Some of the circumstances that reason flooding include — substantial rain, liquefying snow, serious waterfront climate — any of which can happen any place or time. Truth be told, one out of five flood insurance claims originates from somebody in a low—or medium-hazard territory.

If you think that your homeowners insurance will cover the damages caused by a flood, then you are wrong, as homeowners insurance just covers water tumbling from the sky. When water touches the ground and enters your house, it's a flood, and only a type of flood insurance will pay for the damages.

For instance, if a tree appendage jabs an opening in your rooftop amid a rainstorm, and water harms your roof and floor, that is secured by your homeowners insurance. Yet, in the event that substantial rain makes the river in your neighborhood flood into your house, that is secured just by flood protection.

To be more exact, the National Surge Protection Program utilizes this meaning of a surge:

"A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from overflow of inland or tidal waters, from unusual and rapid accumulation or runoff of surface waters from any source, or from mudflow."

Also, you can not rely on Government Aid, as it comes to a great extent as loans, which you should reimburse. Before you can meet the requirements for a credit, your territory must be pronounced a federal disaster area, and federal disaster assistance is announced in under portion of all flooding occasions.

To ensure that your residential properties are protected by flood insurance, contact us at 281-612-7178 and let’s discuss your plan. Our insurance services are available to properties in Houston and Cypress, Texas.