Is Flood Covered by Home Insurance?
Flood can be caused by torrential rain often associated with spring thunderstorms in Texas. Recent road construction, a creek coming out of its banks, slow steady rain over several days, recently built commercial developments, new home construction or simply a clogged street gutter backing up from the street into your yard are some other culprits of flooding.
A Texas homeowners insurance policy usually does not cover flood or the resulting damage by flood waters. Flood insurance is a separate policy that we can quote for you through the National Flood Insurance Program (NFIP). NFIP works with FEMA; its emergency management partner.
What is considered a flood?
A flood is a temporary condition where normally defined dry land areas are inundated by water.
Is my home in a flood zone or flood plain?
Flood zones are identified as hazard areas that will likely be inundated by a flood event. All homes are in a flood zone, however, some are in preferred areas that are less frequent to have a flood incident. If your dwelling is in a preferred flood zone then quotes are usually more affordable since you are at lower risk. Contact us to obtain a quote.
Will my homeowner’s policy cover rain or water damage?
Flood is often considered “rising water” and is excluded from coverage on a home policy. However, an all perils home insurance policy may help repair water damage if there is first a covered peril. For example a windstorm creates a hole in the roof resulting in rain water entry, or a pipe burst causing sudden and accidental discharge of water. Coverage limits and options vary and it is important to read your policy documents to confirm what coverages are afforded to you.
As a reminder many conditions can result in a flood scenario: hurricanes, outdated drainage systems, new construction, and rapid or slow accumulation of rainfall. High water rescues, hail, reports of tornadoes, widespread damage and evacuations can also accompany severe Texas storms – take necessary safety precautions this spring.
Flood and hurricane resources to help organize, plan or prepare your family, home and pets: