The Rising Risk of Flooding In Texas

Flood Risks Continue For Many Homeowners
There is no question Texas has been hit hard by Harvey. We are working hard to make sure all insurance claims are settles fairly and quickly. While many work to recover it is a good reminder to consider flood and wind insurance.
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Your homeowner’s insurance does not cover the risk from flooding.  You will need to secure coverage from the National Flood Insurance Program.  This program can be secured through our office. More than 60% of the flood insurance claims that the Federal Emergency Management Agency (FEMA) receives are from flood insurance policyholders who have property outside of the mapped 100-year floodplain.

In case you have not noticed, flooding is occurring all over the country.  In addition, other conditions can alter the flood outlook, including changing climate or the effects of El Nino or La Nina.  Our community has continued risks from flooding and we want you to be informed.

Many weather experts tell us that if you are in a 100-year floodplain, or live close to waterways, you actually have about a 60% chance each year of having a flood.
“The price of insurance through the federal flood insurance program is based on standardized rates and depends on the home's value and whether or not it's in a floodplain.  While federal flood insurance pays to rebuild the structure, it only pays current value on possessions.  It doesn't cover anything in a basement (other than your heating and air-conditioning system).  It doesn't cover living expenses if you have to relocate while your home is being repaired.”  Don Griffin, vice president of personal lines for the Property Casualty Insurers Association of America. Quoted at www.bankrate.com

Striving for High Levels of Service
As our name implies, we strive to make your insurance experience positive. We understand you have many options when it comes to getting personal insurance, so we are going to strive to give you first class customer service you deserve.