The last thing that you want to be worrying about in the aftermath of a storm is….. flood insurance, or rather any personal insurance, if you have it and if you have enough. However, flooding is becoming increasingly common, leading many Galveston County homeowners to seek help and support. The absolute best thing that you can do for your home’s protection, and your own stress levels during a storm, is to have protection – yes that includes flood insurance.
Being in a coastal area of the South, we are below the sea level and face many times of strong and long raining periods which can flood many areas. Be covered!
Perks of Knowing Your Insurance Agent
Do you know those commercials that say they can give you an insurance quote in just ten minutes? As nice as it sounds to have this task of finding insurance over and done with as quickly as possible, this is not the most helpful way to get insurance when you actually have a claim. Most people do not find having to search for the right claim coverage they are looking for very enjoyable. Whether it is home, renters, flood, windstorm, or auto insurance, many people get lost in all of the details.
Though it may seem convenient to quickly enter some information online and get a quote, it often times is not the specific coverage you may need. It may be more or less than you actually need. By not taking the easy way out and actually using a real insurance agent, one that you can build a relationship with, you will be less likely to get a headache when you need to file a claim. This is really the whole point of having insurance in the first place—for all of the unexpected life events and having someone you know and trust to help take care of your situation.
Does Your Texas Residence Need Flood Insurance?
League City has two flood plains, the 100 year and the 500 year. Even if your home is located in the 500 year flood plain, acts of nature are unstoppable.
In April of 2009 heavy rains caused flooding in areas of League City that were located in the 500 year flood plain. Heavy downpours, stopped up rainwater drainage systems or tidal surges can all contribute to rising water.
Homeowners Insurance Can Have Special Challenges
Home Insurance in places such as Kemah, Tx can be challenging because of the specialized risk that comes with living in this beautiful coastal community. Most Home Insurance policies will NOT cover you for Windstorm, Hurricane, Hail or Flood which are all needed coverages in this bayside area.
Be sure you are working with a local agent who is familiar with the area and has the knowledge to navigate and simplify the policies you need for Kemah.
Flood Insurance Necessity in Galveston County
Flood insurance for North Galveston County areas like League City, Dickinson, Kemah and Bacliff can be confusing. Some areas along Galveston Bay are in the dreaded 100 year flood plain because they are close to the water or subject to the possibility of tidal surge flood.