As Seen on KIII-TV News… Often Overlooked Necessity: Flood Insurance for Coastal Bend Homeowners!

Picture this: It’s a calm, sunny day in the Coastal Bend. You just paid your homeowners insurance premium, which is already one of the highest in the country. You might be feeling a little frustrated, maybe even cheated, by the cost of living in such a beautiful, yet risky, area. But hold on a minute – there’s something even worse than overpaying for protection: underpaying.

Yes, you read that right. Underpaying for insurance can be a disastrous mistake, especially when it comes to protecting your most valuable asset – your home. You see, while homeowners insurance covers a multitude of perils, there’s one lurking danger that it typically doesn’t cover: floods.

That’s right. Flooding is not included in your standard homeowners insurance policy. Surprising? Maybe. Alarming? Absolutely. Especially when you consider that flooding can happen anywhere – not just in designated high-risk zones. Mother Nature doesn’t discriminate. Whether it’s a hurricane, a tropical storm, or just an unusually heavy downpour, the Coastal Bend is highly susceptible to flooding.

So, what’s the solution? A separate flood insurance policy. This is not just a recommendation; it’s a necessity. Here’s why:

1. The Cost of Flood Damage is Astronomical

Imagine your beautiful living room turned into a wading pool. The water seeps into your walls, your floors, your precious belongings. The aftermath? Repair costs that could easily bankrupt you. According to FEMA, just one inch of water can cause up to $25,000 in damage to your home. Without flood insurance, you’re left footing that hefty bill all by yourself.

2. Federal Aid is Not a Surefire Solution

Some homeowners mistakenly believe that federal disaster assistance will cover their losses. The truth? Federal aid is often limited and comes in the form of loans – loans that must be repaid, with interest. Flood insurance, on the other hand, provides the funds needed to repair and rebuild without adding financial strain.

3. Peace of Mind is Priceless

Imagine the relief of knowing you’re fully covered. No more sleepless nights worrying about the next big storm. No more frantic checks of the weather forecast. With flood insurance, you can rest easy knowing that you’ve taken the necessary steps to protect your home and your family’s future.

4. It’s More Affordable Than You Think

Yes, flood insurance is an additional expense, but consider the alternative. The cost of a flood insurance policy is a fraction of what you’d pay out-of-pocket for repairs. In fact, many homeowners find that the peace of mind it brings is worth every penny.

5. Protect Your Investment

Your home is likely your largest investment. Why leave it vulnerable? Just as you wouldn’t drive your car without auto insurance, you shouldn’t live in a flood-prone area without flood insurance. It’s that simple.

The Bottom Line

In the Coastal Bend, where the threat of flooding is ever-present, securing a separate flood insurance policy isn’t just a smart move – it’s an essential one. Don’t fall into the trap of underpaying for protection and risking everything. Be proactive. Safeguard your home. Because when the next flood hits – and it will – you’ll be glad you did.

Remember, the only thing worse than paying too much for your protection is paying too little. Make the right choice today and protect your home with flood insurance. Your future self will thank you if you call our office today at 361 991-3575 and secure your protection before it’s too late.  Do it now because there is a 30 day waiting period before this vital protection kicks in.

Because we Care,

Ed Cantu

Famous Last Words From Recent Texas Flood Victims!

Famous last words from recent Texas flood victims! “It’s Never Flooded in My Neighborhood so I Didn’t Need Flood Insurance”.

Floods, the silent giants of natural disasters, spare no one. Despite the tranquility of droughts, the looming threat of torrential downpours and menacing tide surges during hurricane season remains. Recent devastating rampage throughout Texas is a grim testament to this reality, catching thousands of Texans off guard and leaving a trail of heartache in their wake.

Consider this: while you may feel safe today, the next rain deluge could wash away that sense of security in an instant. Hurricane Harvey was further proof of this, with flood claims surpassing $9 billion and an average damage cost of $112,000 per claim. These rains serve as a stark reminder of the financial havoc that rising water can wreak.

Here’s the bitter truth: your homeowner’s policy won’t bail you out when the waters rise. It’s an inconvenient reality that many only come to grasp when it’s too late. But it doesn’t have to be that way for you. Flood insurance isn’t a luxury; it’s a lifeline to protect your home and precious belongings. Here are three crucial facts you need to know:

    1. Hurricane Harvey’s flood claims soared to unprecedented heights, leaving a trail of financial ruin. How would you cope if faced with such devastation?
    2. Floods rank as the top natural disaster, and your current policy won’t shield you from their fury. We all dwell in flood zones; it’s not a matter of if but when the waters will rise. This is why insurance is a necessity!
    3. Contrary to popular belief, flood insurance isn’t exorbitant—especially if you’re not situated in a high-risk area. It’s a wise investment in safeguarding your home and cherished possessions.


So, what are your chances of suffering flood damage? Statistically; during your 30-year mortgage, you’re four times more likely to sustain flood damage than a fire. And don’t be fooled by geography; 55% of Hurricane Harvey’s flood claims originated from areas deemed low risk.

Hurricane Season is just weeks away so Act now before the storm clouds gather. With a 30-day waiting period for flood protection to take effect, every moment counts. Call us today at (361) 991-1493, and let’s fortify your defenses against nature’s wrath.

Because we care

Ed Cantu