{"id":522,"date":"2026-05-28T19:38:22","date_gmt":"2026-05-28T19:38:22","guid":{"rendered":"https:\/\/edcantuinsurance.com\/blog\/?p=522"},"modified":"2026-05-28T19:38:32","modified_gmt":"2026-05-28T19:38:32","slug":"hurricane-season-is-here-does-your-home-insurance-cover-flood-damage","status":"publish","type":"post","link":"https:\/\/edcantuinsurance.com\/blog\/hurricane-season-is-here-does-your-home-insurance-cover-flood-damage\/","title":{"rendered":"Hurricane Season Is Here \u2014 Does Your Home Insurance Cover Flood Damage?"},"content":{"rendered":"<h1 class=\"western\"><span style=\"color: #000000;\"><span style=\"font-family: Liberation Serif, serif;\"><span style=\"font-size: x-large;\"><b><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-20\" src=\"https:\/\/edcantuinsurance.com\/blog\/wp-content\/uploads\/2016\/05\/flood-2016-1-300x265.jpg\" alt=\"\" width=\"300\" height=\"265\" srcset=\"https:\/\/edcantuinsurance.com\/blog\/wp-content\/uploads\/2016\/05\/flood-2016-1-300x265.jpg 300w, https:\/\/edcantuinsurance.com\/blog\/wp-content\/uploads\/2016\/05\/flood-2016-1.jpg 720w\" sizes=\"(max-width: 300px) 85vw, 300px\" \/><\/b><\/span><\/span><\/span><\/h1>\n<h1 class=\"western\"><span style=\"color: #000000;\"><span style=\"font-family: Liberation Serif, serif;\"><span style=\"font-size: x-large;\"><b>Hurricane Season Is Here \u2014 Does Your Home Insurance Cover Flood Damage?<\/b><\/span><\/span><\/span><\/h1>\n<p>Hurricane Season will officially arrive Monday, and one of the biggest financial risks facing homeowners is NOT wind damage\u2026<\/p>\n<h2 class=\"western\">It\u2019s FLOODING.<\/h2>\n<p>In fact, this week\u2019s 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.<\/p>\n<p>Unfortunately, many homeowners mistakenly believe their Homeowners Insurance or Windstorm Policy covers flood damage caused by:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Rising water<\/li>\n<li>Heavy rainfall<\/li>\n<li>Storm surge<\/li>\n<li>Overflowing drainage systems<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<h2 class=\"western\">The truth is:<\/h2>\n<h3 class=\"western\">Most Homeowners and Windstorm policies DO NOT cover flood damage.<\/h3>\n<p>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:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Floors and walls<\/li>\n<li>Cabinets and appliances<\/li>\n<li>Furniture and personal belongings<\/li>\n<li>Electrical systems<\/li>\n<li>Heating and air conditioning equipment<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<h2 class=\"western\">And here\u2019s the part many people do not realize:<\/h2>\n<p>Many flood losses occur outside designated \u201chigh-risk\u201d flood zones and from storms that never become major hurricanes.<\/p>\n<p>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.<\/p>\n<h2 class=\"western\">Why Flood Insurance Matters<\/h2>\n<p>Flood Insurance helps protect your:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Home structure<\/li>\n<li>Personal belongings<\/li>\n<li>Financial security<\/li>\n<li>Peace of mind<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<p>And in many cases, flood coverage may be much more affordable than homeowners expect.<\/p>\n<h2 class=\"western\">Don\u2019t Wait Until a Storm Is in the Gulf<\/h2>\n<p>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.<\/p>\n<p>As a trusted insurance advisor serving Texas families since 1985, I strongly encourage homeowners to review their flood protection NOW \u2014 before the next storm forms in the Gulf.<\/p>\n<h2 class=\"western\">We\u2019re Here to Help<\/h2>\n<p>Call us today at <strong>(361) 991-3575<\/strong> today for your complimentary Flood Insurance review or quote, contact Ed Cantu Insurance Agency today.<\/p>\n<p>\ud83d\udcde Call: (361) 991-3575<br \/>\n\ud83d\udce7 Email: <a href=\"mailto:ed@edcantu.com\">ed@edcantu.com<\/a><br \/>\n\ud83c\udf10 Visit: <a href=\"http:\/\/www.edcantuinsurance.com\/\">www.edcantuinsurance.com<\/a><\/p>\n<p>Because we care,<\/p>\n<p><strong><span style=\"color: #0066b3;\"><span style=\"font-family: Segoe Script, sans-serif;\"><span style=\"font-size: x-large;\">Ed Cantu<\/span><\/span><\/span><\/strong><br \/>\nEd Cantu Insurance Agency<br \/>\nHelping You Protect What Matters Most<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hurricane Season Is Here \u2014 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\u2026 It\u2019s FLOODING. In fact, this week\u2019s heavy rains here in South Texas prove that it does not take a hurricane or tropical storm to &hellip; <a href=\"https:\/\/edcantuinsurance.com\/blog\/hurricane-season-is-here-does-your-home-insurance-cover-flood-damage\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Hurricane Season Is Here \u2014 Does Your Home Insurance Cover Flood Damage?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/edcantuinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/522"}],"collection":[{"href":"https:\/\/edcantuinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/edcantuinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/edcantuinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/edcantuinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=522"}],"version-history":[{"count":1,"href":"https:\/\/edcantuinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/522\/revisions"}],"predecessor-version":[{"id":524,"href":"https:\/\/edcantuinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/522\/revisions\/524"}],"wp:attachment":[{"href":"https:\/\/edcantuinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edcantuinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=522"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edcantuinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}