Houston Insurance | Houston Flood Insurance
Is Your Coverage all wet? Hurricane Season in Texas June 1st-November 30th
If your homeowners or renter's insurance was written without a separate flood policy then you are unprotected.
Anytime, Anywhere...Damage from rising water can happen any time of the year. And June 1st starts hurricane season on the Texas Gulf Coast. You can't turn on the TV without seeing huge losses due to flooding throughout our nation. Will you be next?
If you say, "But I've never been flooded-not even in Ike or Allison" you may still see a future loss. You may also be thinking, "I don't live in a flood zone." With over 25% of all flood losses to homes in the low to moderate risk Zone X, no one is safe from flooding. Afterall, there is no such thing as a "NO FLOOD ZONE." And that is why flood insurance is so important.
Much of the greater Houston area including Pasadena and Deer Park were rezoned by the Army Corps of Engineers and you may have a change in your flood zone determination. There are steps to take with a flood insurance specialist that can ensure you grandfather your previous Zone X (low-to-moderate risk) rates. Without a grandfather clause on your flood insurance, you may be faced with acquiring an elevation certificate from an engineer as well as paying higher rates for flood protection.
Why should I buy flood insurance, FEMA will take care of me? Flood insurance is the only protection against the devastation of rising water. Major disaster assistance only comes once the Governor makes a request and the President declares an area is eligible for federal disaster assistance from FEMA. By buying flood insurance, you are ensuring that your family is protected against flood losses, regardless of their severity.
The cost of flood insurance depends on a number of factors: flood zone determination, base flood elevations, your home's elevation as well as limits of coverage to properly protect you.
We can pinpoint your home on the National Flood Insurance maps and provide a personalized proposal based on replacement values of your home. be sure that the amount of structure protection in a flood policy is written at least 80% of the home's replacement value on your homeowners policy. Without meeting that minimum you won't have replacement protection on the structures in a flood loss.
Flood protection for most HOMES (house and contents) starts at $119 a year with RENTERS (contents only) protection starting at $58 annually.
Remember, flood insurance has a 30-day writing period from the time of your annual payment. And, if there is a storm in the Gulf of Mexico, you may be unable to acquire coverage until the storm passes. So don't wait for the weather report to call your insurance agent about flood insurance.
Don't get soaked when the rains begin...call our flood insurance specialist at Philibert Insurance for this important protection.
