Residents of Texas face the risk of flooding throughout the year. The National Weather Service has officially identified Central Texas as the United States’ most prone are in the nation for flash floods. This has made flood insurance a major issue for homeowners across the state. It is of the utmost importance that residents have the proper flood insurance coverage in case they find themselves facing damages left behind from damaging water. Protect your home from flooding with an insurance policy from https://www.texasquotes.com.
Areas of Texas that are Prone to Flooding
Before purchasing flood insurance it is important to know which areas are most at risk for flooding and where your property is located in relationship to these. All of Texas is susceptible to heavy rains which cause flooding. In fact, the particularly vulnerable Central Texas area has earned the nick name of Flash Flood Alley. In this region storms often stall out once they reach the Balcones escarpment. Central Texas residents will find that flood insurance is a must.
Texas is listed in the top four states for repeat flood loss. In the four year period from 1986 to 2000 they experienced 4,722 flash floods. According to the United States Geological Survey, Texas now holds six out of twelve world records for rainfall rates within a 24 hour period. The state is a national leader in flood related deaths and damage almost every year with 20 million acres considered flood prone. Only flood insurance can help when dealing with the after math of these destructive situations.
One of the Top Causes of Texas Flooding
Urbanization is leading to more flooding in Texas, causing an increased need for good flood insurance coverage for homeowners. As urban areas such as San Antonio and Austin experience rapid growth, the smaller towns and cities find flooding to be more frequent along their streams, small creeks, and low lying land.
As cities grow in size there is an increase in things such as impervious cover and channel rectification that is now reducing channel obstruction, channel storage, and flood plan development. For example, FEMA’s new digital flood insurance rate maps show how an increase in development along the North and South Guadalupe Tributaries has led to more run off.
What is Flood Insurance?
Flood Insurance reefers to the specific coverage a policy holder has against property loss due to flooding. Separate flood insurance needs to be purchased. Typical home owner policies don’t cover damages caused by flooding.
Flood insurance will protect the homeowner’s property and belongings. A good flood insurance policy protects your house, apartment, condo, mobile home, or even a business. There are three main types of coverage available: contents coverage, building coverage, and replacement cost coverage.
Types of Flood Insurance
Building coverage flood insurance will protect the actual physical structure of your house or business. Contents coverage flood insurance will take care of all of your belongings in the house. This can include items such as furniture, clothing, and small appliances like microwaves and grills. Replacement cost coverage will reimburse you for the amount needed to replace your house. This type of flood insurance is only available to single family dwelling owners who have their primary residence insured for 80% of their total replacement costs.
Some flood insurance coverage may help cover the expense of items such as sandbags that are used to help protect the property from the danger of an imminent flood. Content and replacement coverage isn’t automatically included with all flood insurance policies. It is important to talk to your agent about exactly what your specific flood insurance will cover.
Damages That Require Flood Insurance Coverage
Before purchasing a flood insurance policy homeowners need to be aware of all that can be damaged or lost during a flood. Texas flooding can cause damage to any structure from the foundation all the way up to the roof. Outside walls as well as floor boards and dry wall can be affected. Along with the structural damage you can see, there may be germs, mold, and other various bacteria hidden from sight. Left untouched, these disease causing culprits can germinate resulting in health problems for those living in the home.
Often after a flood Texas homeowners will find that appliances, furniture, curtains, and carpeting cannot be saved. The proper flood insurance coverage will help replace these items. Documents, books, and other paper goods can also be destroyed. Tarnishing of metal objects, bacterial odors, and strengthened household odors will all be noticeable within the first 24 hours.
Electrical systems along with appliances can become damaged during a flood. Professional help will be needed to decide which items can be reconditioned and which should be replaced. Although most piped water systems aren’t damaged by flooding, contaminants can find their way in. These should also be checked before resuming residency in the home.
Peace of Mind
The biggest benefit of flood insurance for your Texas home or business is peace of mind. With Texas ranking as one of the United States top flood prone areas you will want to know you have the proper flood insurance coverage in place before disaster strikes. Talk to your agent about the specific coverage required for your home and its belongings.