If you have ever experienced flooding, you know how devastating it can be, especially if you live in Houston, TX. Over the years, Houston has seen a steep increase in flooding, making the city the unofficial Rainfall Flooding Capital of the United States. Relentless torrential rain can make its way into the forecast anytime, particularly during hurricane season. In a matter of minutes, your property can end up completely underwater. This can cause significant damage to everything on your property, destroying everything in its path. But before this happens, you need to make sure that you know what items could be covered and replaced by insurance in this scenario.
Did you know that your flood insurance may not cover your outdoor possessions? Many policies do not protect outdoor items such as patio furniture and any destruction to swimming pools. Trees, bushes, plants, and other foliage are also not covered. Walkways, fences, and patios are also typically not included in the policy. That means you have no choice but to pay out-of-pocket for any damages. This does not mean that flood insurance is not imperative, however. You will need to reach out to a professional for more information.
If you are currently living in or near the unofficial Rainfall Capital of the US, you need to insure your property and protect it as much as possible. Insurance Over Texas in Houston, TX will help you purchase your new flood insurance policy without confusion or inadequate coverage. Call Insurance Over Texas today or stop by the office if you are nearby. Obtaining flood insurance is not something that should be delayed. Make sure you are prepared before the storm begins.