Hurricane Season Is Here — Does Your Home Insurance Cover Flood Damage?

Hurricane Season will officially arrive Monday, and one of the biggest financial risks facing homeowners is NOT wind damage…

It’s FLOODING.

In fact, this week’s heavy rains here in South Texas prove that it does not take a hurricane or tropical storm to create dangerous flooding, overwhelmed drainage systems, or flooded streets throughout our community.

Unfortunately, many homeowners mistakenly believe their Homeowners Insurance or Windstorm Policy covers flood damage caused by:

- Rising water
- Heavy rainfall
- Storm surge
- Overflowing drainage systems

The truth is:

Most Homeowners and Windstorm policies DO NOT cover flood damage.

That means just a few inches of water entering your home could result in tens of thousands of dollars in uncovered losses, including damage to:

- Floors and walls
- Cabinets and appliances
- Furniture and personal belongings
- Electrical systems
- Heating and air conditioning equipment

And here’s the part many people do not realize:

Many flood losses occur outside designated “high-risk” flood zones and from storms that never become major hurricanes.

We saw this during Hurricane Harvey and during many heavy rainfall events across South Texas where neighborhoods flooded simply because drainage systems could not handle the amount of water in a short period of time.

Why Flood Insurance Matters

Flood Insurance helps protect your:

- Home structure
- Personal belongings
- Financial security
- Peace of mind

And in many cases, flood coverage may be much more affordable than homeowners expect.

Don’t Wait Until a Storm Is in the Gulf

Most Flood Insurance policies have waiting periods before coverage becomes effective. Once a tropical system is approaching the Texas coast, it may already be too late to protect your property.

As a trusted insurance advisor serving Texas families since 1985, I strongly encourage homeowners to review their flood protection NOW — before the next storm forms in the Gulf.

7122 S STAPLES ST STE C Corpus Christi, TX 78413

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Author: edcantui