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.
Get a Home Insurance Quote BEFORE the Offer
Purchasing a Home? The cost of insurance can be a big factor in the affordability of buying a home and eliciting a positive experience. First thing we like to do with our clients is to get a homeowner’s insurance quote before they make an offer on a home.
This will provide a little more insight on the house. For example:
August and September are the Atlantic Hurricane Season when the waters really heat up and we see the bulk of storm activity. We never know the exact location of where the most damage will be seen but the point is to know what to do in the situation and be as prepared as you possibly can. Here are some helpful tips to assist you in being prepared.
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.